Bill > H1100

This bill aims to protect policyholders' rights by preventing insurance companies from prohibiting the use of public insurance adjusters in property and casualty insurance policies. Specifically, the bill makes it unlawful for any type of insurer (including domestic, foreign, surplus lines, and captive insurers) to include policy language that prevents an insured person from hiring, retaining, engaging, utilizing, consulting, or contracting with a public insurance adjuster. Any such prohibitive language would be considered unenforceable and would be removed from the policy without affecting the rest of the policy's terms. The bill defines this prohibition as a violation of consumer protection laws (chapter 93A) and adds it as a specific unfair insurance practice under existing insurance regulations. Public insurance adjusters are professionals who help policyholders negotiate and manage insurance claims, and this bill ensures that insureds have the freedom to seek such professional assistance without facing restrictions from their insurance providers.

Business and Industry

https://malegislature.gov/Bills/194/H1100