Bill > SB01386

This bill addresses insurance practices related to dog breeds and service animals, introducing several key provisions that will take effect on July 1, 2025. First, the bill prohibits insurance companies from charging higher premiums, canceling, or limiting homeowners or tenants insurance policies solely based on the breed of dog owned by the policyholder. However, insurers can still adjust policies for specific dogs designated as dangerous, based on documented loss experience. The bill also protects service animals (dogs trained to assist blind, deaf, or mobility-impaired individuals) and therapy animals from breed-based insurance discrimination. Additionally, the bill requires the Commission on Human Rights and Opportunities to evaluate the possibility of creating a penalty for intentionally misrepresenting a dog as a service animal to gain accommodations under the Americans with Disabilities Act. The commission must report its findings to relevant legislative committees by February 1, 2026, providing statistics and information about potential penalties for such misrepresentation. This legislation aims to prevent unfair insurance practices and protect the rights of individuals with service and therapy animals.

Business and Industry

Insurance and Real Estate Committee (Joint)

https://www.cga.ct.gov/asp/cgabillstatus/cgabillstatus.asp?selBillType=Bill&bill_num=SB01386&which_year=2025