Bill > A01271

This bill aims to prevent insurance companies from discriminating against policyholders or potential policyholders based on inquiries about insurance policies, particularly for homeowners', personal lines fire, and non-business motor vehicle insurance. Specifically, the bill prohibits insurers from reporting inquiries about policies (including those that reveal loss or damage) to insurance support organizations that maintain claims history reports. Furthermore, insurers cannot refuse to issue or renew policies, charge higher rates, or move a policyholder to a more expensive insurance tier based on such inquiries. The legislation seeks to protect consumers from potential negative consequences of simply asking about or reporting potential insurance claims, ensuring that routine policy inquiries or minor loss reports cannot be used against them when obtaining or maintaining insurance coverage. The bill will go into effect 30 days after it becomes law, providing immediate protection for insurance consumers in New York State.

Business and Industry

https://www.nysenate.gov/legislation/bills/2025/A1271