Bill Text: NY A06867 | 2023-2024 | General Assembly | Amended

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Bill Title: Prohibits restrictions on insurance policies based solely on the policyholder harboring or owning any dog of a specific breed or mixture of breeds.

Spectrum: Partisan Bill (Democrat 9-0)

Status: (Introduced) 2024-01-03 - referred to insurance [A06867 Detail]

Download: New_York-2023-A06867-Amended.html

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                STATE OF NEW YORK
        ________________________________________________________________________

                                         6867--A

                               2023-2024 Regular Sessions

                   IN ASSEMBLY

                                       May 8, 2023
                                       ___________

        Introduced  by  M.  of  A. L. ROSENTHAL, LUNSFORD, JACOBSON, SHRESTHA --
          read once and referred to the  Committee  on  Insurance  --  committee
          discharged, bill amended, ordered reprinted as amended and recommitted
          to said committee

        AN  ACT  to  amend the insurance law, in relation to prohibiting certain
          restrictions as it  relates  to  dog  breed;  and  to  repeal  certain
          provisions of such law relating thereto

          The  People of the State of New York, represented in Senate and Assem-
        bly, do enact as follows:

     1    Section 1. Section 3421 of the insurance law is  REPEALED  and  a  new
     2  section 3421 is added to read as follows:
     3    § 3421. Dogs; coverage refusal. (a) An insurer that issues or delivers
     4  a  policy  in  this  state  shall not cancel, refuse to issue, refuse to
     5  renew, or increase the premium of a policy or exclude, limit,  restrict,
     6  or  reduce coverage under such policy based upon harboring or owning any
     7  dog of a specific breed or mixture of breeds.
     8    (b) The provisions of this section shall not prohibit an insurer  from
     9  refusing  to issue or renew or from canceling any such contract or poli-
    10  cy, nor from imposing a reasonably increased premium or rate for such  a
    11  policy  or  contract based upon the designation of a dog of any breed or
    12  mixture of breeds as a dangerous dog pursuant  to  section  one  hundred
    13  twenty-three  of  the agriculture and markets law, based on sound under-
    14  writing and actuarial principles reasonably related to actual or  antic-
    15  ipated  loss  experience subject to the applicable provisions of section
    16  three thousand four hundred twenty-five of this article.
    17    (c) This section shall apply to policies of insurance if  the  insured
    18  or proposed insured is an individual or individuals.
    19    §  2.  This  act shall take effect on the ninetieth day after it shall
    20  have become a law and shall apply to all policies issued, renewed, modi-
    21  fied, altered or amended on or after such effective date.

         EXPLANATION--Matter in italics (underscored) is new; matter in brackets
                              [ ] is old law to be omitted.
                                                                   LBD10473-02-3