Bill Text: NY S07416 | 2023-2024 | General Assembly | Introduced

NOTE: There are more recent revisions of this legislation. Read Latest Draft

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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 3-0)

Status: (Engrossed) 2024-06-04 - ordered to third reading rules cal.390 [S07416 Detail]

Download: New_York-2023-S07416-Introduced.html

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                STATE OF NEW YORK
        ________________________________________________________________________

                                          7416

                               2023-2024 Regular Sessions

                    IN SENATE

                                      May 24, 2023
                                       ___________

        Introduced  by Sen. GIANARIS -- read twice and ordered printed, and when
          printed to be committed to the Committee on Insurance

        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  Section  3421  of the insurance law is REPEALED and a new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  solely  upon  harboring  or
     7  owning any 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.
    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.
                                                                   LBD10473-01-3