New York Insurance Law

Every section of the New York Insurance Law, in order — 1,072 sections. Source: NY Senate Open Legislation, current through November 4, 2026.

• N.Y. Ins. Law § 2108 — Adjusters; licensing and duties
• N.Y. Ins. Law § 2109 — Agents and brokers; temporary license in case of death, service in armed forces or disability
• N.Y. Ins. Law § 2110 — Revocation or suspension of license of insurance producer, insurance consultant, adjuster or life settlement broker
• N.Y. Ins. Law § 2111 — Revoked licensees
• N.Y. Ins. Law § 2112 — Certificate of appointment of an insurance producer to act as an agent and notice of termination of an insurance producer
• N.Y. Ins. Law § 2113 — Title insurance agent commissions; disclosure
• N.Y. Ins. Law § 2114 — Life, accident and health insurance agents; commissions
• N.Y. Ins. Law § 2115 — Property/casualty insurance agents; commissions
• N.Y. Ins. Law § 2116 — Insurance brokers; commissions
• N.Y. Ins. Law § 2117 — Acting for or aiding unlicensed or unauthorized insurers or health maintenance organizations
• N.Y. Ins. Law § 2118 — Excess line brokers; duties
• N.Y. Ins. Law § 2119 — Insurance agents, brokers, consultants, life settlement brokers, and title insurance agents; written contract for compensation; excess ch...
• N.Y. Ins. Law § 2120 — Fiduciary capacity of insurance agents, title insurance agents, insurance brokers and reinsurance intermediaries
• N.Y. Ins. Law § 2121 — Broker authorized to receive premium, when
• N.Y. Ins. Law § 2122 — Advertising by insurance producers
• N.Y. Ins. Law § 2123 — Misrepresentations, misleading statements and incomplete comparisons
• N.Y. Ins. Law § 2124 — Stay or suspension of superintendent's determination
• N.Y. Ins. Law § 2125 — Marine insurance; acting as agent, broker or insurer of persons without insurable interest
• N.Y. Ins. Law § 2126 — Impersonation at examinations prohibited
• N.Y. Ins. Law § 2127 — Penalties for violations
• N.Y. Ins. Law § 2128 — Commission and fee sharing prohibited
• N.Y. Ins. Law § 2129 — Duty to have an agent or broker at each place of business
• N.Y. Ins. Law § 2130 — Excess line association
• N.Y. Ins. Law § 2131 — Limited license for rental vehicle companies, peer-to-peer car sharing program administrators, wireless communications equipment vendors ...
• N.Y. Ins. Law § 2132 — Continuing education
• N.Y. Ins. Law § 2133 — Forged insurance identification cards
• N.Y. Ins. Law § 2134 — Change of address
• N.Y. Ins. Law § 2135 — Administration of certain functions
• N.Y. Ins. Law § 2136 — Reciprocity
• N.Y. Ins. Law § 2137 — Life settlement brokers; licensing
• N.Y. Ins. Law § 2138 — Health benefit exchange navigators
• N.Y. Ins. Law § 2139 — Title insurance agents; licensing
• N.Y. Ins. Law § 2140 — Restrictions on insurance producers procuring immigration bonds
• N.Y. Ins. Law § 2201 — Certification
• N.Y. Ins. Law § 2202 — Prerequisites
• N.Y. Ins. Law § 2203 — Issuance and duration
• N.Y. Ins. Law § 2204 — Revocation or suspension
• N.Y. Ins. Law § 2205 — Prohibitions
• N.Y. Ins. Law § 2206 — Termination of services
• N.Y. Ins. Law § 2207 — Transfer
• N.Y. Ins. Law § 2208 — Misleading statements
• N.Y. Ins. Law § 2209 — Stay or suspension of superintendent's determination
• N.Y. Ins. Law § 2301 — Purpose
• N.Y. Ins. Law § 2302 — Applicability
• N.Y. Ins. Law § 2303 — Standards for rates
• N.Y. Ins. Law § 2304 — Rate making and supporting information
• N.Y. Ins. Law § 2305 — Rates or rating plans; no prior approval; prior approval
• N.Y. Ins. Law § 2306 — Delegation of rate filing obligation
• N.Y. Ins. Law § 2307 — Rating classifications or territories; policy forms
• N.Y. Ins. Law § 2308 — Imposition of prior approval
• N.Y. Ins. Law § 2309 — Excess rate
• N.Y. Ins. Law § 2310 — Informational filings
• N.Y. Ins. Law § 2311 — Suspension of filing requirement
• N.Y. Ins. Law § 2312 — Immigration bond premium
• N.Y. Ins. Law § 2313 — Rate service organization; defined
• N.Y. Ins. Law § 2314 — Charging of rates
• N.Y. Ins. Law § 2315 — Recording and reporting of experience; statistical plans
• N.Y. Ins. Law § 2316 — Prohibition of anti-competitive behavior
• N.Y. Ins. Law § 2317 — Joint underwriting or joint reinsurance
• N.Y. Ins. Law § 2318 — Risk sharing plans
• N.Y. Ins. Law § 2319 — Information to be furnished insureds; aggrieved person
• N.Y. Ins. Law § 2320 — Enforcement and penalties; where prior approval is not required
• N.Y. Ins. Law § 2321 — Enforcement and penalties; where prior approval is required
• N.Y. Ins. Law § 2322 — Final determination; procedure on orders without hearing
• N.Y. Ins. Law § 2323 — Profitability and rates of return; where prior approval is not required
• N.Y. Ins. Law § 2324 — Rebating and discrimination
• N.Y. Ins. Law § 2325 — Accounts and statistics
• N.Y. Ins. Law § 2326 — Evaluation of competitive rating provisions
• N.Y. Ins. Law § 2327 — Verification of driving history
• N.Y. Ins. Law § 2328 — For hire motor vehicle insurance rates; flexible rating; prior approval
• N.Y. Ins. Law § 2329 — Motor vehicle insurance rates; excess profits
• N.Y. Ins. Law § 2330 — No fault motor vehicle insurance rates; reflection of reduced exposure to loss
• N.Y. Ins. Law § 2331 — Motor vehicle comprehensive insurance rates; age, sex or marital status
• N.Y. Ins. Law § 2332 — Non-commercial private passenger automobile insurance rates; experienced and inexperienced principal operators
• N.Y. Ins. Law § 2333 — Non-commercial private passenger automobile insurance rates; apportionment of expenses
• N.Y. Ins. Law § 2334 — Non-commercial private passenger automobile insurance rates; merit rating plans
• N.Y. Ins. Law § 2335 — Motor vehicle liability insurance rates; prohibition of surcharges for certain accidents and traffic infractions
• N.Y. Ins. Law § 2335-a — Prohibition of rate increases for persons involved in emergency use of vehicles
• N.Y. Ins. Law § 2336 — Motor vehicle liability, comprehensive and collision insurance rates; premium reductions in certain cases
• N.Y. Ins. Law § 2336-a — Snowmobile liability insurance rates; premium reductions in certain cases
• N.Y. Ins. Law § 2336-b — Boat liability insurance rates; premium reductions in certain cases
• N.Y. Ins. Law § 2337 — Private passenger automobile physical damage insurance; statistics on use of anti-theft devices and the maximum discount for all anti-the...
• N.Y. Ins. Law § 2338 — Appeal from rate service organization action
• N.Y. Ins. Law § 2339 — Charging or receiving of rates; deviations
• N.Y. Ins. Law § 2340 — Credit property insurance
• N.Y. Ins. Law § 2341 — Prohibition against the use of employment, education, homeownership, and zip code for private passenger motor vehicle insurance rates
• N.Y. Ins. Law § 2342 — Expiration of certain provisions
• N.Y. Ins. Law § 2343 — Medical malpractice insurance rates; special additional provisions regarding such rates
• N.Y. Ins. Law § 2344 — Flexible rate limitations in problem markets
• N.Y. Ins. Law § 2345 — Disclosure of premium reductions and surcharges
• N.Y. Ins. Law § 2346 — Reduction in rates of fire insurance, homeowners insurance or property/casualty premiums for residential property
• N.Y. Ins. Law § 2346-a — Reduction in rates of certain commercial risk insurance premiums for real property
• N.Y. Ins. Law § 2347 — Workers' compensation rate changes
• N.Y. Ins. Law § 2348 — Anti-theft and fraud savings
• N.Y. Ins. Law § 2349 — Multi-tier program
• N.Y. Ins. Law § 2350 — Flexible rating for nonbusiness automobile insurance policies
• N.Y. Ins. Law § 2351 — Homeowners' insurance policies
• N.Y. Ins. Law § 2352 — Multiple rating programs
• N.Y. Ins. Law § 2353 — For-hire motor vehicle safety program; reduction in rates of certain commercial risk insurance premiums for motor vehicles
• N.Y. Ins. Law § 2356 — Premium change explanations
• N.Y. Ins. Law § 2401 — Purpose
• N.Y. Ins. Law § 2402 — Definitions
• N.Y. Ins. Law § 2403 — Unfair methods of competition or unfair and deceptive acts or practices prohibited
• N.Y. Ins. Law § 2404 — Power of superintendent
• N.Y. Ins. Law § 2405 — Hearings and reports on defined violations and determined violations
• N.Y. Ins. Law § 2406 — Procedure after report; defined violation
• N.Y. Ins. Law § 2407 — Procedure after report; determined violation
• N.Y. Ins. Law § 2408 — Judicial review by intervenor
• N.Y. Ins. Law § 2409 — Effect on other powers and laws
• N.Y. Ins. Law § 2502 — Designation of particular insurer, agent or broker in property financing transactions and other unfair practices
• N.Y. Ins. Law § 2503 — Designation of particular insurer, agent, broker or fund for insurance provided to discharge statutory requirement
• N.Y. Ins. Law § 2504 — Designation of particular insurer, agent or broker for insurance in certain public construction contracts
• N.Y. Ins. Law § 2505 — Designation of particular insurer, agent or broker for construction contracts generally
• N.Y. Ins. Law § 2601 — Unfair claim settlement practices; penalties
• N.Y. Ins. Law § 2602 — Rebates on life insurance; witnesses' immunity
• N.Y. Ins. Law § 2603 — Issue or circulation of false literature
• N.Y. Ins. Law § 2604 — False statements as to insurers
• N.Y. Ins. Law § 2605 — Penalty for violating workers' compensation law
• N.Y. Ins. Law § 2606 — Discrimination because of race, color, creed, national origin, or disability
• N.Y. Ins. Law § 2607 — Discrimination because of sex or marital status
• N.Y. Ins. Law § 2608 — Discrimination because of treatment for a mental disability
• N.Y. Ins. Law § 2608-a — Discrimination in enrollment against certain children
• N.Y. Ins. Law § 2609 — Discrimination in the issuance of performance or surety bonds
• N.Y. Ins. Law § 2610 — Collision or comprehensive coverage on motor vehicles; claims; repairs
• N.Y. Ins. Law § 2610-a — Rental vehicle reimbursement coverage
• N.Y. Ins. Law § 2611 — HIV written informed consent
• N.Y. Ins. Law § 2612 — Discrimination based on being a victim of domestic violence
• N.Y. Ins. Law § 2613 — Eligibility for life and disability insurance for persons with a history of any type of cancer
• N.Y. Ins. Law § 2614 — Discrimination because of past lawful travel
• N.Y. Ins. Law § 2615 — Genetic testing written informed consent
• N.Y. Ins. Law § 2616 — Discrimination because of status as a living organ or tissue donor
• N.Y. Ins. Law § 2617 — Unfair discrimination for the use of prescriptions to block the effects of opioids
• N.Y. Ins. Law § 2618 — Standards for prompt investigation and settlement of claims
• N.Y. Ins. Law § 2701 — Definitions
• N.Y. Ins. Law § 2702 — Holocaust claims assistance
• N.Y. Ins. Law § 2703 — Insurer claims handling
• N.Y. Ins. Law § 2704 — Rights of action
• N.Y. Ins. Law § 2705 — Reports from insurers
• N.Y. Ins. Law § 2707 — Penalty
• N.Y. Ins. Law § 2708 — Application of section four thousand two hundred twenty-four
• N.Y. Ins. Law § 2709 — Substantial compliance
• N.Y. Ins. Law § 2710 — Rules and regulations
• N.Y. Ins. Law § 2711 — Severability
• N.Y. Ins. Law § 2801 — Definitions
• N.Y. Ins. Law § 2802 — Use of credit information
• N.Y. Ins. Law § 2803 — Dispute resolution and error correction
• N.Y. Ins. Law § 2804 — Initial notification
• N.Y. Ins. Law § 2805 — Adverse action notification
• N.Y. Ins. Law § 2806 — Filing
• N.Y. Ins. Law § 2807 — Sale of information by consumer reporting agency
• N.Y. Ins. Law § 2808 — Indemnification
• N.Y. Ins. Law § 2809 — Severability
• N.Y. Ins. Law § 2901 — Definitions
• N.Y. Ins. Law § 2902 — Acting without a registration
• N.Y. Ins. Law § 2903 — Registration requirements for pharmacy benefit managers
• N.Y. Ins. Law § 2904 — Reporting requirements for pharmacy benefit managers
• N.Y. Ins. Law § 2905 — Acting without a license
• N.Y. Ins. Law § 2906 — Licensing of a pharmacy benefit manager
• N.Y. Ins. Law § 2907 — Revocation or suspension of a registration or license of a pharmacy benefit manager
• N.Y. Ins. Law § 2908 — Penalties for violations
• N.Y. Ins. Law § 2909 — Stay or suspension of superintendent's determination
• N.Y. Ins. Law § 2910 — Revoked registrations or licenses
• N.Y. Ins. Law § 2911 — Additional obligations
• N.Y. Ins. Law § 2912 — Change of address
• N.Y. Ins. Law § 2913 — Applicability of other laws
• N.Y. Ins. Law § 2914 — Assessments
• N.Y. Ins. Law § 3101 — Simplified comprehensive policies of insurance
• N.Y. Ins. Law § 3102 — Requirements for the use of readable and understandable insurance policies
• N.Y. Ins. Law § 3103 — Non-conforming contracts
• N.Y. Ins. Law § 3104 — Contract provisions required by laws of other jurisdictions
• N.Y. Ins. Law § 3105 — Representations by the insured
• N.Y. Ins. Law § 3106 — Warranty defined; effect of breach
• N.Y. Ins. Law § 3107 — Sale of insurance policies by vending machine
• N.Y. Ins. Law § 3108 — Reinsurance contracts excepted
• N.Y. Ins. Law § 3109 — False statements in applications for membership in fraternal benefit societies
• N.Y. Ins. Law § 3110 — Withdrawal of any policy form
• N.Y. Ins. Law § 3111 — Special provisions relating to senior citizens
• N.Y. Ins. Law § 3112 — Automatic bank withdrawal agreements; notification required
• N.Y. Ins. Law § 3113 — Consent of and notification of an irrevocable beneficiary under a court order of divorce or separation
• N.Y. Ins. Law § 3201 — Approval of life, accident and health, credit unemployment, and annuity policy forms
• N.Y. Ins. Law § 3202 — Withdrawal of approval of policy forms
• N.Y. Ins. Law § 3203 — Individual life insurance policies; standard provisions as to contractual rights and responsibilities of policyholders and insurers
• N.Y. Ins. Law § 3204 — Policy to contain entire contract; statements of applicant to be representations and not warranties; alterations
• N.Y. Ins. Law § 3205 — Insurable interest in the person; consent required; exceptions
• N.Y. Ins. Law § 3206 — Policies which provide for an adjustable maximum rate of interest on policy loans
• N.Y. Ins. Law § 3207 — Life insurance contracts by or for the benefit of minors; on the lives of minors, limitations on amount
• N.Y. Ins. Law § 3208 — Antedating of life insurance policies and burial agreements prohibited
• N.Y. Ins. Law § 3209 — Life insurance, annuities and funding agreements disclosure requirements
• N.Y. Ins. Law § 3210 — Incontestability after reinstatement
• N.Y. Ins. Law § 3211 — Notice of premium due under life or disability insurance policy; notice to assignees of non-payment of premium
• N.Y. Ins. Law § 3212 — Exemption of proceeds and avails of certain insurance and annuity contracts
• N.Y. Ins. Law § 3213 — Payment of proceeds
• N.Y. Ins. Law § 3214 — Interest upon proceeds of life insurance policies and annuity contracts
• N.Y. Ins. Law § 3215 — Disability benefits in connection with life insurance and annuities
• N.Y. Ins. Law § 3216 — Individual accident and health insurance policy provisions
• N.Y. Ins. Law § 3217 — Minimum standards in the form, content and sale of accident and health insurance; policies and subscriber contracts
• N.Y. Ins. Law § 3217-a — Disclosure of information
• N.Y. Ins. Law § 3217-b — Prohibitions
• N.Y. Ins. Law § 3217-c — Primary and preventive obstetric and gynecologic care
• N.Y. Ins. Law § 3217-d — Grievance procedure and access to specialty care