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 § 3217-e — Choice of health care provider
• N.Y. Ins. Law § 3217-f — Prohibition on lifetime and annual limits
• N.Y. Ins. Law § 3217-g — Maternal depression screenings
• N.Y. Ins. Law § 3217-h — Telehealth delivery of services
• N.Y. Ins. Law § 3217-i — Essential health benefits package and limit on cost-sharing
• N.Y. Ins. Law § 3217-j — Utilization review determinations for medically fragile children
• N.Y. Ins. Law § 3218 — Medicare supplemental insurance policies
• N.Y. Ins. Law § 3219 — Annuity and pure endowment contracts and certain group annuity certificates; standard provisions as to contractual rights and responsibil...
• N.Y. Ins. Law § 3220 — Group life insurance policies; standard provisions
• N.Y. Ins. Law § 3221 — Group or blanket accident and health insurance policies; standard provisions
• N.Y. Ins. Law § 3222 — Funding agreements
• N.Y. Ins. Law § 3223 — Group annuity contracts; standard provisions as to contractual rights and responsibilities of contract holders, certificate holders and a...
• N.Y. Ins. Law § 3224 — Standard claim forms; accident and health insurance
• N.Y. Ins. Law § 3224-a — Standards for prompt, fair and equitable settlement of claims for health care and payments for health care services
• N.Y. Ins. Law § 3224-b — Rules relating to the processing of health claims and overpayments to physicians
• N.Y. Ins. Law § 3224-c — Coordination of benefits
• N.Y. Ins. Law § 3224-d — Prescription synchronization
• N.Y. Ins. Law § 3225 — Eligibility for health insurance in cases of exposure to DES
• N.Y. Ins. Law § 3226 — Reinsurance contracts excepted
• N.Y. Ins. Law § 3227 — Interest upon surrenders, policy loans and other funds
• N.Y. Ins. Law § 3228 — Individual accident and health insurance policies; premium refund at death of insured
• N.Y. Ins. Law § 3229 — Minimum benefit standards for certain long term care plans
• N.Y. Ins. Law § 3230 — Accelerated payment of the death benefit or special surrender value under a life insurance policy
• N.Y. Ins. Law § 3231 — Rating of individual and small group health insurance policies; approval of superintendent
• N.Y. Ins. Law § 3231 — Health insurance policies and subscriber contracts; prohibited claims
• N.Y. Ins. Law § 3232 — Pre-existing condition provisions in health policies
• N.Y. Ins. Law § 3232-a — Certification of creditable coverage
• N.Y. Ins. Law § 3233 — Stabilization of health insurance markets and premium rates
• N.Y. Ins. Law § 3234 — Pre-existing condition provisions in group and blanket disability policies
• N.Y. Ins. Law § 3234 — Limitations on administrative services and stop-loss coverage
• N.Y. Ins. Law § 3235 — Explanation of benefits forms relating to claims under medicare supplemental insurance policies and limited benefits health insurance pol...
• N.Y. Ins. Law § 3236 — Public health law assessments
• N.Y. Ins. Law § 3237 — Health insurance coverage for full-time students on medical leaves of absence
• N.Y. Ins. Law § 3238 — Pre-authorization of health care services
• N.Y. Ins. Law § 3239 — Wellness programs
• N.Y. Ins. Law § 3240 — Student accident and health insurance
• N.Y. Ins. Law § 3240 — Unclaimed benefits
• N.Y. Ins. Law § 3241 — Network coverage
• N.Y. Ins. Law § 3242 — Prescription drug coverage
• N.Y. Ins. Law § 3243 — Discrimination because of sex or marital status in hospital, surgical or medical expense insurance
• N.Y. Ins. Law § 3244 — Explanation of benefits forms relating to claims under certain accident and health insurance policies
• N.Y. Ins. Law § 3245 — Liability to providers in the event of an insolvency
• N.Y. Ins. Law § 3401 — Insurable interest in property
• N.Y. Ins. Law § 3402 — Executory contract not a change in interest, title or possession
• N.Y. Ins. Law § 3404 — Fire insurance contracts; standard policy provisions; permissible variations
• N.Y. Ins. Law § 3405 — Fire insurance contract; losses from nuclear reaction or radiation
• N.Y. Ins. Law § 3406 — Copy of examination of insured to be delivered to insured
• N.Y. Ins. Law § 3407 — Property insurance; proofs of loss; notice of loss
• N.Y. Ins. Law § 3407-a — Property/casualty insurance contract and policy standard provisions
• N.Y. Ins. Law § 3408 — Fire insurance; appraisal of loss; procedure for selection of umpire on failure to agree
• N.Y. Ins. Law § 3409 — Distribution of hazardous material report forms
• N.Y. Ins. Law § 3410 — Fire insurance contract; payment of liens on proceeds; certain cases
• N.Y. Ins. Law § 3411 — Automobile physical damage insurance covering private passenger automobiles; standard provisions; required inspections; duties of insurer...
• N.Y. Ins. Law § 3412 — Automobile physical damage insurance covering private passenger automobiles; salvage; total losses; thefts; duties of insurers
• N.Y. Ins. Law § 3413 — Standard claim forms for fire losses
• N.Y. Ins. Law § 3414 — Reports by insurers of certain casualty loss on property owned or operated by religious organizations
• N.Y. Ins. Law § 3415 — Supplemental claim form to be submitted for certain fire loss claims in excess of ten thousand dollars in a city with a population of one...
• N.Y. Ins. Law § 3416 — Parametric insurance
• N.Y. Ins. Law § 3420 — Liability insurance; standard provisions; right of injured person
• N.Y. Ins. Law § 3421 — Homeowners' liability insurance; dogs
• N.Y. Ins. Law § 3422 — Hate crimes; coverage refusal
• N.Y. Ins. Law § 3425 — Certain property/casualty insurance policies; cancellation and renewal provisions; agents' contracts and brokers' accounts
• N.Y. Ins. Law § 3426 — Commercial lines insurance; cancellation and renewal provisions
• N.Y. Ins. Law § 3427 — Gap insurance; cancellation, renewal and other provisions
• N.Y. Ins. Law § 3428 — Cancellation of insurance contracts; return premiums; financed insurance premiums
• N.Y. Ins. Law § 3429 — Geographical location of risks; fire, fire and extended coverage policies; private passenger automobile insurance policies
• N.Y. Ins. Law § 3429-a — Geographical location of risks in area serviced by a volunteer fire department; fire, fire and extended coverage policies
• N.Y. Ins. Law § 3430 — Right of insured, agent or broker aggrieved on basis of geographical location of property or risks
• N.Y. Ins. Law § 3431 — Immunity; insurers' reports to insureds, to applicants for insurance and to terminated agents or brokers
• N.Y. Ins. Law § 3432 — Immunity; reports to certain public officials and to designated organizations
• N.Y. Ins. Law § 3433 — Termination of contracts or accounts of licensed agents or brokers; prohibition; geographical location
• N.Y. Ins. Law § 3434 — Motor vehicle insurance policies; disabled persons; prohibitions against cancelling, refusing to issue or renew policies
• N.Y. Ins. Law § 3435 — Group property/casualty insurance
• N.Y. Ins. Law § 3435-a — Motor vehicle insurance policies; New York state licensed drivers; prohibitions against refusing to issue policies or renew policies
• N.Y. Ins. Law § 3436 — Group credit unemployment insurance and individual credit unemployment insurance
• N.Y. Ins. Law § 3436 — Medical malpractice insurance; type of coverage
• N.Y. Ins. Law § 3436-a — Adverse action against legal reproductive health care or gender-affirming care
• N.Y. Ins. Law § 3437 — Credit insurance for in-vitro fertilization or intrauterine insemination
• N.Y. Ins. Law § 3439 — Reinsurance contracts excepted
• N.Y. Ins. Law § 3440 — Insurance covering private passenger motor vehicles; rental vehicle coverage
• N.Y. Ins. Law § 3442 — Credit card, debit card, or checking account group policies
• N.Y. Ins. Law § 3443 — Workers' compensation and employers' liability insurance; optional policyholder deductibles
• N.Y. Ins. Law § 3444 — Flood insurance notice
• N.Y. Ins. Law § 3445 — Windstorm insurance notice; deductible trigger standards
• N.Y. Ins. Law § 3446 — Product or system group insurance policies
• N.Y. Ins. Law § 3447 — Qualification of environmental remediation insurance for tax credit
• N.Y. Ins. Law § 3448 — Involuntary unemployment insurance policies
• N.Y. Ins. Law § 3449 — Wireless communications equipment insurance policies
• N.Y. Ins. Law § 3450 — Insurance for expenses incurred as a result of an act or threatened act of violence
• N.Y. Ins. Law § 3451 — Identity theft group insurance policies
• N.Y. Ins. Law § 3451 — Regulations
• N.Y. Ins. Law § 3452 — Group property travel insurance policies
• N.Y. Ins. Law § 3453 — Self-service storage company group insurance policies
• N.Y. Ins. Law § 3453 — Employer sponsored group personal excess insurance
• N.Y. Ins. Law § 3453 — Group policy for service providers listed in a commercial directory
• N.Y. Ins. Law § 3454 — Sponsored group personal insurance
• N.Y. Ins. Law § 3455 — Transportation network company group insurance policies
• N.Y. Ins. Law § 3456 — Prohibition against cancellation of policy when motor vehicle is used or operated through a transportation network company program
• N.Y. Ins. Law § 3457 — Group insurance policies for certain for hire motor vehicles
• N.Y. Ins. Law § 3458 — Electronic notices and documents
• N.Y. Ins. Law § 3458 — Group insurance for peer-to-peer car sharing programs
• N.Y. Ins. Law § 3459 — Car share exclusions for motor vehicle insurance policies
• N.Y. Ins. Law § 3460 — Prohibition against cancellation of policy when motor vehicle is used or operated through a peer-to-peer car sharing program
• N.Y. Ins. Law § 3461 — Notice of claim
• N.Y. Ins. Law § 3462 — Affordable housing underwriting and rating
• N.Y. Ins. Law § 4101 — Definitions
• N.Y. Ins. Law § 4102 — Powers
• N.Y. Ins. Law § 4103 — Stock companies; financial requirements
• N.Y. Ins. Law § 4104 — Deposits
• N.Y. Ins. Law § 4105 — Domestic stock companies; declaration and payment of dividends
• N.Y. Ins. Law § 4106 — Stock companies; participating policies
• N.Y. Ins. Law § 4107 — Domestic mutual companies; financial and other requirements
• N.Y. Ins. Law § 4108 — Foreign and alien mutual companies; licensing
• N.Y. Ins. Law § 4109 — Mutual companies; special contingent surplus
• N.Y. Ins. Law § 4110 — Domestic mutual companies; expense limits
• N.Y. Ins. Law § 4111 — Mutual companies; assessments
• N.Y. Ins. Law § 4112 — Mutual companies; protection against assessments
• N.Y. Ins. Law § 4113 — Mutual companies; non-assessable policies
• N.Y. Ins. Law § 4114 — Mutual companies; dividends
• N.Y. Ins. Law § 4115 — Certain mutual companies existing prior to January first, nineteen hundred forty
• N.Y. Ins. Law § 4116 — Domestic mutual companies; voting rights of members
• N.Y. Ins. Law § 4117 — Loss and loss expense reserves
• N.Y. Ins. Law § 4118 — Limitation of risks; fidelity and surety; fire; hospital mutuals
• N.Y. Ins. Law § 4119 — Foreign and alien companies; license qualification
• N.Y. Ins. Law § 4121 — Security may be required from banking officers and employees
• N.Y. Ins. Law § 4202 — Capital and surplus requirements of life insurance companies
• N.Y. Ins. Law § 4203 — Transfer of shares of domestic life insurance company
• N.Y. Ins. Law § 4204 — Financial requirements for the organization of stock accident and health insurance companies and stock legal services insurance companies
• N.Y. Ins. Law § 4205 — Life, accident and health, and legal services insurance companies; engaging in other business
• N.Y. Ins. Law § 4206 — Deposits by life, accident and health, and legal services insurance companies
• N.Y. Ins. Law § 4207 — Dividends to shareholders of life, and accident and health insurance companies
• N.Y. Ins. Law § 4208 — Financial and additional requirements for the organization of mutual life, accident and health, and legal services insurance companies
• N.Y. Ins. Law § 4209 — Mutual life insurance companies, mutual accident and health insurance companies; assessments
• N.Y. Ins. Law § 4210 — Election of directors of domestic mutual life insurance companies
• N.Y. Ins. Law § 4211 — Election of directors of domestic stock life insurance companies
• N.Y. Ins. Law § 4212 — Stock life insurance companies; voting power of policyholders
• N.Y. Ins. Law § 4213 — Industrial life insurance
• N.Y. Ins. Law § 4214 — Industrial accident and industrial health insurance
• N.Y. Ins. Law § 4215 — Contracts with industrial life insurance agents; prohibitions
• N.Y. Ins. Law § 4216 — Group life insurance; premium requirements; notice of conversion; filing of compensation
• N.Y. Ins. Law § 4217 — Valuation of insurance policies and contracts
• N.Y. Ins. Law § 4218 — When actual premium is less than net premium; minimum reserve
• N.Y. Ins. Law § 4219 — Limitation on accumulation of surplus of life insurance companies
• N.Y. Ins. Law § 4220 — Life insurance and annuities; nonforfeiture benefits under defaulted contracts
• N.Y. Ins. Law § 4221 — Standard nonforfeiture law
• N.Y. Ins. Law § 4222 — Policy loans
• N.Y. Ins. Law § 4223 — Standard nonforfeiture law for annuities
• N.Y. Ins. Law § 4224 — Life, accident and health insurance; discrimination and rebating; prohibited inducements and interdependent sales
• N.Y. Ins. Law § 4225 — Domestic life insurance companies; discrimination as to brokers
• N.Y. Ins. Law § 4226 — Misrepresentations, misleading statements and incomplete comparisons by insurers
• N.Y. Ins. Law § 4228 — Life insurance and annuity business; limitations of expenses
• N.Y. Ins. Law § 4230 — Salaries and pensions to officers and employees
• N.Y. Ins. Law § 4231 — Policyholder's participation in surplus of life insurance companies
• N.Y. Ins. Law § 4232 — Amounts credited on certain contracts or life insurance policies
• N.Y. Ins. Law § 4233 — Annual statements of life insurance companies
• N.Y. Ins. Law § 4235 — Group accident and health insurance
• N.Y. Ins. Law § 4236 — Joint underwriting of group health insurance for persons aged sixty-five and over
• N.Y. Ins. Law § 4237 — Blanket accident and health insurance
• N.Y. Ins. Law § 4237-a — Stop-loss insurance
• N.Y. Ins. Law § 4238 — Group annuity contracts
• N.Y. Ins. Law § 4239 — Allocation and reporting of income and expenses of life insurers
• N.Y. Ins. Law § 4240 — Separate accounts; fixed and variable life insurance and annuities and funding agreements
• N.Y. Ins. Law § 4241 — Penalty for violation of filing requirements
• N.Y. Ins. Law § 4301 — Organization of corporation; purposes; board of directors
• N.Y. Ins. Law § 4302 — Permit and license to do business
• N.Y. Ins. Law § 4303 — Benefits
• N.Y. Ins. Law § 4303-a — Prescription synchronization
• N.Y. Ins. Law § 4304 — Individual contracts
• N.Y. Ins. Law § 4305 — Group contracts
• N.Y. Ins. Law § 4306 — Required contract provisions
• N.Y. Ins. Law § 4306-a — Health insurance coverage for full-time students on medical leaves of absence
• N.Y. Ins. Law § 4306-b — Primary and preventive obstetric and gynecologic care
• N.Y. Ins. Law § 4306-c — Grievance procedure and access to specialty care
• N.Y. Ins. Law § 4306-d — Choice of health care provider
• N.Y. Ins. Law § 4306-e — Prohibition on lifetime and annual limits
• N.Y. Ins. Law § 4306-f — Maternal depression screenings
• N.Y. Ins. Law § 4306-g — Telehealth delivery of services
• N.Y. Ins. Law § 4306-h — Essential health benefits package and limit on cost-sharing
• N.Y. Ins. Law § 4306-i — Coverage for medically fragile children
• N.Y. Ins. Law § 4307 — Providers of services
• N.Y. Ins. Law § 4308 — Supervision of superintendent
• N.Y. Ins. Law § 4309 — Limitation on expenses
• N.Y. Ins. Law § 4310 — Investments; financial conditions; reserves
• N.Y. Ins. Law § 4312 — Employment of solicitors; pension plans
• N.Y. Ins. Law § 4313 — Applicability of other provisions of this chapter
• N.Y. Ins. Law § 4314 — Not to affect provisions of workers' compensation law
• N.Y. Ins. Law § 4315 — Arbitration; judicial review
• N.Y. Ins. Law § 4316 — Individual contracts; premium refund at death of insured
• N.Y. Ins. Law § 4317 — Rating of individual and small group health insurance contracts
• N.Y. Ins. Law § 4318 — Pre-existing condition provisions
• N.Y. Ins. Law § 4318-a — Certification of creditable coverage by corporations organized under this article
• N.Y. Ins. Law § 4320 — Limitations on administrative services and stop-loss coverage
• N.Y. Ins. Law § 4321 — Standardization of individual enrollee direct payment contracts offered by health maintenance organizations prior to October first, two t...
• N.Y. Ins. Law § 4321-a — Fund for standardized individual enrollee direct payment contracts
• N.Y. Ins. Law § 4322 — Standardization of individual enrollee direct payment contracts offered by health maintenance organizations which provide out-of-plan ben...
• N.Y. Ins. Law § 4322-a — Fund for standardized individual enrollee direct payment contracts which provide out-of-plan benefits
• N.Y. Ins. Law § 4323 — Marketing materials
• N.Y. Ins. Law § 4324 — Disclosure of information
• N.Y. Ins. Law § 4325 — Prohibitions
• N.Y. Ins. Law § 4326 — Standardized health insurance contracts for qualifying small employers and individuals