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ArizonaHB 2996Fifty-seventh Legislature - Second Regular SessionHouse

DIFI; certificates of insurance

Sponsored By: Jeff Weninger (Republican)

Signed by Governor

applicabilitycertificates of insurancedepartment of insurance and financial institutions (difi)difi (see also: department of insurance and financial institutions)insurance - title 20transaction of insurance business

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Bill Overview

Analyzed Economic Effects

2 provisions identified: 1 benefits, 1 costs, 0 mixed.

Misleading insurance certificates face new penalties

People cannot prepare, issue, request, or require certificates that mislead about coverage, change coverage, or claim a policy meets a contract's insurance or indemnification requirements. A certificate or related document that violates these rules is void. Arizona's insurance director can investigate, order violations to stop, and impose civil penalties up to $1,000 per violation. The director can also adopt rules, and enforcement powers under other laws remain intact. These protections cover Arizona property and casualty risks regardless of where the parties are located, for contracts or addenda entered into on or after the law's effective date.

Insurance certificates cannot add policy rights

An insurance certificate is not a policy and cannot change coverage or add rights beyond the policy. Certificates include documents describing or showing coverage, whatever their title, prepared by insurers, insurance agents, or their representatives. Policies, temporary insurance binders, policy endorsements, and auto insurance identification or information cards are excluded. Someone other than the policyholder gets cancellation, nonrenewal, or major-change notices only when the policy or an endorsement grants that right. These rules cover Arizona property and casualty risks, regardless of where the policyholder, insurer, agent, or requester is located, and apply to contracts or addenda entered into on or after the law's effective date.

Sponsors & Cosponsors

Sponsor

  • Jeff Weninger

    Republican • House

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

All Roll Calls

Yes: 101 • No: 0

Senate vote • 6/1/2026

Third Reading: Passed

Yes: 26 • No: 0

Senate vote • 3/16/2026

Finance: DP

Yes: 7 • No: 0

House vote • 2/26/2026

Third Reading: Passed

Yes: 52 • No: 0

House vote • 2/23/2026

Rules: C&P

Yes: 6 • No: 0

House vote • 2/17/2026

Commerce: DPA

Yes: 10 • No: 0

Actions Timeline

  1. Signed by Governor

    6/4/2026Governor

  2. Third Reading: Passed

    6/1/2026Senate

  3. Rules: PFC

    3/23/2026Senate

  4. Finance: DP

    3/16/2026Senate

  5. Senate Second Reading

    3/10/2026Senate

  6. Senate First Reading

    3/9/2026Senate

  7. Third Reading: Passed

    2/26/2026House

  8. Committee of the Whole: do pass amended

    2/25/2026House

  9. Rules: C&P

    2/23/2026House

  10. Commerce: DPA

    2/17/2026House

  11. House Second Reading

    2/10/2026House

  12. House First Reading

    2/9/2026House

Bill Text

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