# Connecticut HB 06981: AN ACT CONCERNING ELECTRONIC POSTING OF CERTAIN DOCUMENTS BY INSURERS, NONRENEWAL OR CANCELLATION OF PROPERTY AND CASUALTY INSURANCE POLICIES, FEDERAL HOME LOAN BANKS AND THE INSURERS REHABILITATION AND LIQUIDATION ACT, HYPOTHECATION OF ASSETS AND SURPLUS LINES INSURANCE.

Connecticut HB 06981, AN ACT CONCERNING ELECTRONIC POSTING OF CERTAIN DOCUMENTS BY INSURERS, NONRENEWAL OR CANCELLATION OF PROPERTY AND CASUALTY INSURANCE POLICIES, FEDERAL HOME LOAN BANKS AND THE INSURERS REHABILITATION AND LIQUIDATION ACT, HYPOTHECATION OF ASSETS AND SURPLUS LINES INSURANCE., is a 2025 Regular Session House bill sponsored by Insurance and Real Estate Committee; status signed, last action 2025-06-23 (Signed by the Governor) (as of 2026-10-19).

- Canonical: https://policyrisk.com/state-bill/CT-HB06981-2025
- As of: 2026-10-19
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Connecticut HB 06981
- State: Connecticut
- Session: 2025 Regular Session
- Title: AN ACT CONCERNING ELECTRONIC POSTING OF CERTAIN DOCUMENTS BY INSURERS, NONRENEWAL OR CANCELLATION OF PROPERTY AND CASUALTY INSURANCE POLICIES, FEDERAL HOME LOAN BANKS AND THE INSURERS REHABILITATION AND LIQUIDATION ACT, HYPOTHECATION OF ASSETS AND SURPLUS LINES INSURANCE.
- Status: signed
- Chamber: House
- Introduced: 2025-02-18
- Last action: 2025-06-23, Signed by the Governor
- Sponsor: Insurance and Real Estate Committee
- Cosponsors: 0
- Subjects: insurance and real estate
- Touches household money: no
- Roll calls: 3 (178 yes, 15 no in all)
- Economic provisions PRIA read: 8

## Summary

To: (1) Allow insurers to post certain insurance policies and endorsements on such insurers' Internet web sites; (2) allow property and casualty insurers to provide policy nonrenewal or cancellation notices by United States Postal Service intelligent mail barcode tracking; (3) extend certain protections to a Federal Home Loan Bank for any pledge, security, credit, collateral, loan, advance, reimbursement or guarantee agreement or arrangement or any similar agreement or arrangement or other credit enhancement to which such bank is a party with an insurance company that is under conservation, rehabilitation, liquidation or administrative supervision by the Insurance Department; (4) allow any domestic insurer, health care center or fraternal benefit society to pledge, hypothecate or encumber such insurer's, center's or society's assets in connection with participation in the Federal Home Loan Bank System; and (5) exempt insurance policies that are procured through unaffiliated wholesale surplus lines insurance brokers from the requirement that insurers and surplus lines insurers sign a statement that diligent efforts were made to obtain insurance from a licensed insurer.

## Bill overview: provisions PRIA read

- Backup cancellation notices for home and auto: benefit, low. Beginning July 1, 2025, home and auto insurers must clearly offer a way to name a backup notice recipient. The offer applies when Connecticut policies are issued, renewed, amended, or endorsed. Insurers must include a designation form and mailing and email addresses for submitting it. The recipient…
- Home and auto policy cancellation protections: benefit, low. Beginning July 1, 2025, cancellation protections cover qualifying Connecticut homeowners policies delivered, issued, renewed, amended, or endorsed from that date. Home and auto policies generally require 10 days' cancellation notice for nonpayment and 30 days for other reasons. After 60 days of cov…
- Online insurance policies with free paper copies: benefit, low. Beginning October 1, 2025, insurers can post policies and endorsements online with your consent, without personal identifying information. Documents must stay accessible throughout coverage and be free to save or print. At issuance and each renewal, insurers must describe purchased documents, give…
- Health plan members keep paper delivery choices: benefit, low. Beginning January 1, 2026, sponsors of covered health plans can consent to electronic delivery of all policy communications for members. Each member must receive notice at enrollment or a reasonable time before electronic delivery starts. Members must have a chance to choose mail delivery and can o…
- Commercial cancellation limits and tracked insurance notices: benefit, low. Beginning July 1, 2025, commercial policies in effect over 60 days, or renewed policies, have eight allowed cancellation grounds. These include nonpayment, fraud, materially increased hazards, and substantial loss of reinsurance. Nonpayment requires at least 10 days' notice and a chance to keep cov…
- Surplus insurance searches with broker exceptions: mixed, low. Beginning October 1, 2025, surplus-lines licensees and insureds must first make a diligent effort to find coverage from authorized insurers. The Insurance Commissioner defines that effort; brokers must retain approved records and make them available for examination. Coverage from unauthorized insur…
- Insurer asset protections with bank exceptions: mixed, low. Beginning October 1, 2025, broader court-ordered freezes protect insurer assets during conservation, rehabilitation, and liquidation. Relief requires clear and convincing proof, and injunctions under this rule require no bond. Qualifying Federal Home Loan Bank agreements remain enforceable for up t…
- Insurers gain room to pledge assets: mixed, low. Beginning October 1, 2025, qualifying Federal Home Loan Bank System asset pledges are excluded from statutory asset-pledging limits. This includes pledges tied to funding transactions. The exception covers Connecticut domestic insurers, domestic health care centers, and domestic fraternal benefit s…

## Sponsors and cosponsors

- Sponsor: Insurance and Real Estate Committee

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2025-03-11 | House | INS Vote Tally Sheet (Joint Favorable Substitute) | pass | 11 | 2 |   |
| 2025-03-11 | Senate | Senate Roll Call Vote 381 | pass | 36 | 0 |   |
| 2025-03-11 | House | House Roll Call Vote 106 AS AMENDED | pass | 131 | 13 |   |

## Actions (21)

- 2025-06-23: Signed by the Governor (legislature)
- 2025-06-16: Transmitted by Secretary of the State to Governor (legislature)
- 2025-06-16: Transmitted to the Secretary of State (legislature)
- 2025-06-10: Public Act 25-87 (legislature)
- 2025-06-03: On Consent Calendar / In Concurrence (legislature)
- 2025-06-03: Senate Passed as Amended by House Amendment Schedule A (Senate)
- 2025-06-03: Senate Adopted House Amendment Schedule A (Senate)
- 2025-05-15: File Number 925 (legislature)
- 2025-05-15: Senate Calendar Number 485 (Senate)
- 2025-05-15: Favorable Report, Tabled for the Calendar, Senate (Senate)
- 2025-05-13: House Passed as Amended by House Amendment Schedule A (House)
- 2025-05-13: House Adopted House Amendment Schedule A 7950 (House)
- 2025-03-27: File Number 314 (legislature)
- 2025-03-27: House Calendar Number 216 (House)
- 2025-03-27: Favorable Report, Tabled for the Calendar, House (House)
- 2025-03-27: Reported Out of Legislative Commissioners' Office (legislature)
- 2025-03-21: Referred to Office of Legislative Research and Office of Fiscal Analysis 03/26/25 5:00 PM (legislature)
- 2025-03-11: Filed with Legislative Commissioners' Office (legislature)
- 2025-03-11: Joint Favorable Substitute (legislature)
- 2025-02-21: Public Hearing 02/27 (legislature)
- 2025-02-18: Referred to Joint Committee on Insurance and Real Estate (legislature)

## Bill text

- Public Act No. 25-87, 2025-06-10: [PDF](https://www.cga.ct.gov/2025/ACT/PA/PDF/2025PA-00087-R00HB-06981-PA.PDF)
- File No. 925, 2025-05-15: [PDF](https://www.cga.ct.gov/2025/FC/PDF/2025HB-06981-R000925-FC.PDF)
- File No. 314, 2025-03-27: [PDF](https://www.cga.ct.gov/2025/FC/PDF/2025HB-06981-R000314-FC.PDF)
- INS Joint Favorable Substitute, 2025-03-11: [PDF](https://www.cga.ct.gov/2025/TOB/H/PDF/2025HB-06981-R01-HB.PDF)
- Raised Bill, 2025-02-18: [PDF](https://www.cga.ct.gov/2025/TOB/H/PDF/2025HB-06981-R00-HB.PDF)
- Bill Analysis For File Copy 314: [PDF](https://www.cga.ct.gov/2025/BA/PDF/2025HB-06981-R000314-BA.PDF)
- Bill Analysis For File Copy 925: [PDF](https://www.cga.ct.gov/2025/BA/PDF/2025HB-06981-R010925-BA.PDF)
- Bill Analysis for HB-6981, as amended by House "A": [PDF](https://www.cga.ct.gov/2025/BA/PDF/2025HB-06981-R01-BA.PDF)
- Fiscal Note For File Copy 314: [PDF](https://www.cga.ct.gov/2025/FN/PDF/2025HB-06981-R000314-FN.PDF)
- Fiscal Note For File Copy 925: [PDF](https://www.cga.ct.gov/2025/FN/PDF/2025HB-06981-R010925-FN.PDF)
- Fiscal Note for Amendment LCO 7321 (Eliminates Fiscal Impact in Bill): [PDF](https://www.cga.ct.gov/2025/fna/pdf/2025HB-06981-R00LCO07321-FNA.PDF)
- Fiscal Note for Amendment LCO 7921 (Eliminates Cost In Bill): [PDF](https://www.cga.ct.gov/2025/fna/pdf/2025HB-06981-R00LCO07921-FNA.pdf)
- Fiscal Note for Amendment LCO 7950 (Eliminates Cost In Bill): [PDF](https://www.cga.ct.gov/2025/fna/pdf/2025HB-06981-R00LCO07950-FNA.pdf)
- Fiscal Note for HB-6981, As Amended by House "A" (LCO 7950): [PDF](https://www.cga.ct.gov/2025/FN/PDF/2025HB-06981-R01-FN.PDF)
- House LCO Amendment #7321 (D): [PDF](https://www.cga.ct.gov/2025/lcoamd/pdf/2025LCO07321-R00-AMD.pdf)
- House LCO Amendment #7921 (J): [PDF](https://www.cga.ct.gov/2025/lcoamd/pdf/2025LCO07921-R00-AMD.pdf)
- House Roll Call Vote 106 AS AMENDED: [PDF](https://www.cga.ct.gov/2025/VOTE/H/PDF/2025HV-00106-R00HB06981-HV.PDF)
- House Schedule A LCO# 7950 (J): [PDF](https://www.cga.ct.gov/2025/amd/H/pdf/2025HB-06981-R00HA-AMD.pdf)
- INS Joint Fav. Rpt: [PDF](https://www.cga.ct.gov/2025/JFR/H/PDF/2025HB-06981-R00INS-JFR.PDF)
- INS Vote Tally Sheet (Joint Favorable Substitute): [PDF](https://www.cga.ct.gov/2025/TS/H/PDF/2025HB-06981-R00INS-CV16-TS.PDF)
- Senate Roll Call Vote 381: [PDF](https://www.cga.ct.gov/2025/VOTE/S/PDF/2025SV-00381-R00HB06981-SV.PDF)
- Summary for Public Act No. 25-87: [PDF](https://www.cga.ct.gov/2025/SUM/PDF/2025SUM00087-R02HB-06981-SUM.PDF)

## Related bills

- HB 05013: AN ACT ADDING CERTAIN PLANTS TO THE INVASIVE PLANTS LIST. (signed)
- SB 01558: AN ACT CONCERNING INCOME TAXES IMPOSED BY OTHER JURISDICTIONS ON RESIDENTS OF THE STATE. (signed)
- SB 01396: AN ACT CONCERNING EARNED BUT UNPAID WAGE OR SALARY INCOME ADVANCES. (signed)
- SB 01187: AN ACT CONCERNING FORECLOSURE, ASSIGNMENT AND OTHER ENFORCEMENT ACTIONS FOR UNPAID SEWER ASSESSMENTS AND OTHER FEES AND CHARGES. (signed)
- HB 07236: AN ACT CONCERNING HUMAN TRAFFICKING AND SEXUAL ASSAULT VICTIMS. (signed)
- HB 07192: AN ACT IMPLEMENTING RECOMMENDATIONS OF THE BIPARTISAN DRUG TASK FORCE. (signed)

## Sources
- [Public Act No. 25-87 (PDF)](https://www.cga.ct.gov/2025/ACT/PA/PDF/2025PA-00087-R00HB-06981-PA.PDF)
- [File No. 925 (PDF)](https://www.cga.ct.gov/2025/FC/PDF/2025HB-06981-R000925-FC.PDF)
- [File No. 314 (PDF)](https://www.cga.ct.gov/2025/FC/PDF/2025HB-06981-R000314-FC.PDF)
- [INS Joint Favorable Substitute (PDF)](https://www.cga.ct.gov/2025/TOB/H/PDF/2025HB-06981-R01-HB.PDF)
- [Raised Bill (PDF)](https://www.cga.ct.gov/2025/TOB/H/PDF/2025HB-06981-R00-HB.PDF)
- [Bill Analysis For File Copy 314 (PDF)](https://www.cga.ct.gov/2025/BA/PDF/2025HB-06981-R000314-BA.PDF)
- [Bill Analysis For File Copy 925 (PDF)](https://www.cga.ct.gov/2025/BA/PDF/2025HB-06981-R010925-BA.PDF)
- [Bill Analysis for HB-6981, as amended by House "A" (PDF)](https://www.cga.ct.gov/2025/BA/PDF/2025HB-06981-R01-BA.PDF)
- [Fiscal Note For File Copy 314 (PDF)](https://www.cga.ct.gov/2025/FN/PDF/2025HB-06981-R000314-FN.PDF)
- [Fiscal Note For File Copy 925 (PDF)](https://www.cga.ct.gov/2025/FN/PDF/2025HB-06981-R010925-FN.PDF)
- [Fiscal Note for Amendment LCO 7321 (Eliminates Fiscal Impact in Bill) (PDF)](https://www.cga.ct.gov/2025/fna/pdf/2025HB-06981-R00LCO07321-FNA.PDF)
- [Fiscal Note for Amendment LCO 7921 (Eliminates Cost In Bill) (PDF)](https://www.cga.ct.gov/2025/fna/pdf/2025HB-06981-R00LCO07921-FNA.pdf)
- [Fiscal Note for Amendment LCO 7950 (Eliminates Cost In Bill) (PDF)](https://www.cga.ct.gov/2025/fna/pdf/2025HB-06981-R00LCO07950-FNA.pdf)
- [Fiscal Note for HB-6981, As Amended by House "A" (LCO 7950) (PDF)](https://www.cga.ct.gov/2025/FN/PDF/2025HB-06981-R01-FN.PDF)
- [House LCO Amendment #7321 (D) (PDF)](https://www.cga.ct.gov/2025/lcoamd/pdf/2025LCO07321-R00-AMD.pdf)
- [House LCO Amendment #7921 (J) (PDF)](https://www.cga.ct.gov/2025/lcoamd/pdf/2025LCO07921-R00-AMD.pdf)
- [House Roll Call Vote 106 AS AMENDED (PDF)](https://www.cga.ct.gov/2025/VOTE/H/PDF/2025HV-00106-R00HB06981-HV.PDF)
- [House Schedule A LCO# 7950 (J) (PDF)](https://www.cga.ct.gov/2025/amd/H/pdf/2025HB-06981-R00HA-AMD.pdf)
- [INS Joint Fav. Rpt (PDF)](https://www.cga.ct.gov/2025/JFR/H/PDF/2025HB-06981-R00INS-JFR.PDF)
- [INS Vote Tally Sheet (Joint Favorable Substitute) (PDF)](https://www.cga.ct.gov/2025/TS/H/PDF/2025HB-06981-R00INS-CV16-TS.PDF)
- [Senate Roll Call Vote 381 (PDF)](https://www.cga.ct.gov/2025/VOTE/S/PDF/2025SV-00381-R00HB06981-SV.PDF)
- [Summary for Public Act No. 25-87 (PDF)](https://www.cga.ct.gov/2025/SUM/PDF/2025SUM00087-R02HB-06981-SUM.PDF)

## Related
- [HB 05013: AN ACT ADDING CERTAIN PLANTS TO THE INVASIVE PLANTS LIST.](https://policyrisk.com/state-bill/CT-HB05013-2025)
- [SB 01558: AN ACT CONCERNING INCOME TAXES IMPOSED BY OTHER JURISDICTIONS ON RESIDENTS OF T…](https://policyrisk.com/state-bill/CT-SB01558-2025)
- [SB 01396: AN ACT CONCERNING EARNED BUT UNPAID WAGE OR SALARY INCOME ADVANCES.](https://policyrisk.com/state-bill/CT-SB01396-2025)
- [SB 01187: AN ACT CONCERNING FORECLOSURE, ASSIGNMENT AND OTHER ENFORCEMENT ACTIONS FOR UNP…](https://policyrisk.com/state-bill/CT-SB01187-2025)
- [HB 07236: AN ACT CONCERNING HUMAN TRAFFICKING AND SEXUAL ASSAULT VICTIMS.](https://policyrisk.com/state-bill/CT-HB07236-2025)
- [HB 07192: AN ACT IMPLEMENTING RECOMMENDATIONS OF THE BIPARTISAN DRUG TASK FORCE.](https://policyrisk.com/state-bill/CT-HB07192-2025)
- [Connecticut bills](https://policyrisk.com/states/connecticut/bills)
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Source: PRIA, https://policyrisk.com/state-bill/CT-HB06981-2025 (as of 2026-10-19).