Connecticut Administrative Code

Regulations of Connecticut State AgenciesSec. 38a-272-1. AuthoritySections 38a-272-1 to 38a-272-10, inclusive, are adopted pursuant to the authority of Section 38a-8 of the General Statutes as necessary to implement Sections 38a-271 to 38a-278, inclusive, 38a-703, and 38a-815 of …

Regulations of Connecticut State AgenciesSec. 38a-272-10. Liability for violationIn addition to the penalties provided in Section 38a-278 of the Connecticut General Statutes that may be imposed by the Commissioner, in the event that an arrangement that is an unauthorized insurer …

Regulations of Connecticut State AgenciesSec. 38a-272-2. PurposeThe Insurance Department has become aware that certain health benefit arrangements have been transacting unauthorized insurance in this state with the assistance and through the professional services of persons licen…

Regulations of Connecticut State AgenciesSec. 38a-272-3. DefinitionsAs used in Sections 38a-272-3 to 38a-272-10 inclusive:(a) \"Arrangement\" means a fund, trust, plan, program or other mechanism by which a person provides, or attempts to provide, health care benefits to individu…

Regulations of Connecticut State AgenciesSec. 38a-272-4. Producers prohibited from assisting reportable MEWAs prior to filing(a) No producer may solicit, advertise, or market in this state health benefits or coverage from, or accept an application for, or place coverage for a per…

Regulations of Connecticut State AgenciesSec. 38a-272-5. Producers prohibited from assisting employee leasing arrangements prior to filing(a) No producer may solicit, advertise or market in this state the services, health benefits or coverage of an employee leasing arrangement or…

Regulations of Connecticut State AgenciesSec. 38a-272-6. Producers prohibited from assisting collectively bargained arrangements prior to filing(a) No producer may solicit, advertise, or market in this state health benefits or coverage from, or accept an application for, or place…

Regulations of Connecticut State AgenciesSec. 38a-272-7. Licensed insurers prohibited from assisting reportable MEWAs prior to filing(a) No licensed insurer may solicit or effect coverage of, underwrite for, collect charges or premiums for, adjust or settle claims of a resident o…

Regulations of Connecticut State AgenciesSec. 38a-272-8. Lack of knowledge not a defense(a) Lack of knowledge or intent to deceive with respect to the organization or status of insurance coverage of a reportable MEWA, employee leasing firm or collectively bargained arrangement is…

Regulations of Connecticut State AgenciesSec. 38a-272-9. Information required to be filed and kept current(a) A producer or insurer required to file under Sections 38a-272-4 through 38a-272-7 shall file all of the following information on a form prescribed by the Commissioner: (1…

Regulations of Connecticut State AgenciesSec. 38a-288-1. Application of regulationsThe following regulations shall govern the issuance of insurance on motor vehicles sold under installment or deferred payment contracts or motor vehicles pledged as security for a loan. (Effective …

Regulations of Connecticut State AgenciesSec. 38a-288-2. Description of insurance to purchaser or borrowerThere shall be a complete disclosure of insurance obtained by a dealer, finance factor or lender from an insurance company or an authorized agent thereof, which shall be made…

Regulations of Connecticut State AgenciesSec. 38a-288-3. Policy requirements. Records(a) All policies or certificates of insurance shall be written in strict accordance with the rates and rules filed by or on behalf of the insurance company writing such policies with the insuranc…

Regulations of Connecticut State AgenciesSec. 38a-288-4. Term of coverage. Payment of premiums to insurance companyPolicies or certificates of insurance shall be written for the full term for which a premium has been charged the purchaser or borrower in connection with financing …

Regulations of Connecticut State AgenciesSec. 38a-288-5. Single interest coverageWhere single interest coverage is written at the expense of the purchaser or borrower in connection with a finance or loan transaction, a clear and concise statement shall be furnished to the purchas…

Regulations of Connecticut State AgenciesSec. 38a-288-6. Notice of cancellation or change. Cancellation on repossessionThe purchaser or borrower shall be promptly notified of any cancellation or change in a policy or certificate, except where cancellation is effected by surrender…

Regulations of Connecticut State AgenciesSec. 38a-288-7. Cancellation; repayment of unearned premiums(a) Where a policy is cancelled by the insurance company, the pro rata unearned return premium due shall be paid either directly by the insurance company or credited to the accoun…

Regulations of Connecticut State AgenciesSec. 38a-288-8. Commission payable only to producerNo commission in any form shall be paid or allowed except to a duly licensed producer.(Effective September 25, 1992; Amended June 26, 1997) AUTHORITY: Conn. Gen. Stat. § 38a-288 AUTHORITY:…

Regulations of Connecticut State AgenciesSec. 38a-288-9. Coercion prohibitedCoercion in the placing of insurance is prohibited.(Effective September 25, 1992) AUTHORITY: Conn. Gen. Stat. § 38a-288 AUTHORITY: Conn. Gen. Stat. § 38a-288

Regulations of Connecticut State AgenciesSec. 38a-297-1. AuthorityThis regulation is adopted and promulgated by the Insurance Commissioner pursuant to Section 38a-297 of the General Statutes, as amended by Public Act 81-110. (Effective September 25, 1992) AUTHORITY: Conn. Gen. St…

Regulations of Connecticut State AgenciesSec. 38a-297-2. PurposeThe purpose of this regulation is to specify minimum letter height and acceptable type-face styles for all policies covered under Chapter 699a. (Effective September 25, 1992) AUTHORITY: Conn. Gen. Stat. § 38a-297 AUT…

Regulations of Connecticut State AgenciesSec. 38a-297-3. Height requirements(a) Each policy subject to Chapter 699a shall be printed, except for specification pages, schedules and tables, in not less than ten-point type, one-point leaded, provided capital letters shall measure no…

Regulations of Connecticut State AgenciesSec. 38a-297-4. Style requirements(a) The following type-face styles shall be acceptable under this regulation. AldusChelmsford (Optima)Alternate Gothic No. 3Clarendon LightAmerican Typewriter LightClearfaceAmerican Typewriter MediumCrown …

Regulations of Connecticut State AgenciesSec. 38a-297-5. CertificationCertification required per Connecticut General Statutes 38a-297 (c) must include a statement that the policy complies with the height requirements of this regulation and must identify the type-face styles used …

Regulations of Connecticut State AgenciesSec. 38a-297-6. ApplicabilityThe provisions of this regulation shall apply to all policies covered under Chapter 699a as follows: to all policies filed on or after January 1, 1982, to all individual policies delivered or issued for deliver…

Regulations of Connecticut State AgenciesSec. 38a-327-1. DefinitionsAs used in Sections 38a-327-1 to 38a-327-6, inclusive:(a) \"Claims-made policy\" means an insurance policy or an endorsement to an insurance policy that covers liability for injury or damage that the insured is l…

Regulations of Connecticut State AgenciesSec. 38a-327-2. Types of coverage of risksClaims-made coverage may not be provided in any policy delivered, issued for delivery or renewed in this state by a licensed insurer on or after the effective date of this regulation, unless the cl…

Regulations of Connecticut State AgenciesSec. 38a-327-3. Minimum standardsNo claims-made policy shall be delivered, issued for delivery, or renewed in this state by a licensed insurer on or after the effective date of this regulation, unless such policy and the issuing insurer co…

Regulations of Connecticut State AgenciesSec. 38a-327-4. Disclosure and notice requirementEvery claims-made policy shall contain a notice on the first page of the policy and any certificate in either contrasting color or in boldface type at least equal to the size of type used fo…

Regulations of Connecticut State AgenciesSec. 38a-327-5. ApplicabilityThis regulation shall apply to every new claims-made policy issued to be effective on or after May 1, 1990 and to every existing claims-made policy renewed to be effective on or after May 1, 1990. (Effective Se…

Regulations of Connecticut State AgenciesSec. 38a-327-6. SeparabilityIf any provision of this regulation or the application thereof to any person or circumstance is for any reason held to be invalid, the remainder of the regulation and the application of such provision to other p…

Regulations of Connecticut State AgenciesSec. 38a-328-1. Purpose of program(a) To make basic insurance available, subject to the conditions hereinafter stated;(b) To establish a Connecticut FAIR (Fair Access to Insurance Requirements) Plan, and a joint underwriting facility to ap…

Regulations of Connecticut State AgenciesSec. 38a-328-10. Provisional binder. Estimated premium(a) To prevent lapses of insurance coverage for risks eligible under the program, before coverage has been made available or declined, the insurance requested, subject to all provisions…

Regulations of Connecticut State AgenciesSec. 38a-328-11. Program standards(a) It is the intent of the program to make basic insurance available to applicants who in good faith request coverage for eligible properties which meet program standards. (b) The occurrence or presence o…

Regulations of Connecticut State AgenciesSec. 38a-328-12. RatesPromptly following each inspection, rates shall be promulgated for each risk in accordance with rating plans filed with the commissioner. (Effective September 25, 1992) AUTHORITY: Conn. Gen. Stat. § 38a-328 AUTHORITY:…

Regulations of Connecticut State AgenciesSec. 38a-328-13. Declination, non-renewal or cancellation(a) The FAIR Plan may issue a notice of declination, cancellation or non-renewal based only on the occurrence or presence of any of the conditions or circumstances set forth in Secti…

Regulations of Connecticut State AgenciesSec. 38a-328-14. Right of appeal(a) An applicant or insured may appeal any adverse ruling or decision of the Fair Plan to the manager of the Fair Plan, by making written notice of appeal to the manager. Such appeal shall be made within thi…

Regulations of Connecticut State AgenciesSec. 38a-328-15. CommissionsCommissions under the program shall be ten percent of the premium which shall include condition charges and shall be paid to the licensed producer designated by the applicant. (Effective September 25, 1992) AUTH…

Regulations of Connecticut State AgenciesSec. 38a-328-16. AdministrationThis program shall be administered by a governing committee (hereinafter referred to as the committee) of the FAIR Plan and operated by a manager appointed by the committee. The committee shall include ex-off…

Regulations of Connecticut State AgenciesSec. 38a-328-17. Annual and special meetings(1) There shall be an annual meeting of the insurers on a date fixed by the committee. The four aforementioned associations shall designate or elect their representatives to the committee. The tw…

Regulations of Connecticut State AgenciesSec. 38a-328-18. Duties of the committee(a) The committee shall meet as often as may be required to perform the general duties of administration of the program or on the call of the commissioner. Five voting members of the committee shall …

Regulations of Connecticut State AgenciesSec. 38a-328-19. Termination of the programThis program shall continue indefinitely but in no event shall be of any force and effect after the expiration of the Urban Property Protection and Reinsurance Act of 1968 and a determination by t…

Regulations of Connecticut State AgenciesSec. 38a-328-2. Effective date(a) The program shall become effective on September 1, 1969 and as amended thereafter.(b) The program is intended to conform with the applicable provisions of the Urban Property Protection and Reinsurance Act …

Regulations of Connecticut State AgenciesSec. 38a-328-20. Public educationThe FAIR Plan will carry on a continuing public education program, in cooperation with participating insurers and producers to assure that the program receives adequate public attention. (Effective Septembe…

Regulations of Connecticut State AgenciesSec. 38a-328-3. Definitions(a) \"Insurer\" means any insurance company or other organization licensed to write and engaged in writing property insurance business, including the property components of multi-peril policies, or liability cove…

Regulations of Connecticut State AgenciesSec. 38a-328-4. Inspection and reports(a) Any person having an insurable interest in real or tangible personal property at a fixed location shall be entitled to an inspection of the property without cost to the applicant if the FAIR Plan i…

Regulations of Connecticut State AgenciesSec. 38a-328-5. Policy issuanceUpon determination by the FAIR Plan that an applicant is eligible for coverage, or renewal of coverage, and upon receipt by the FAIR Plan of the full amount of the required premium, the FAIR Plan shall issue …

Regulations of Connecticut State AgenciesSec. 38a-328-6. Assumption of liabilityAll liability of the FAIR Plan shall be assumed by its participating companies.(Effective September 25, 1992) AUTHORITY: Conn. Gen. Stat. § 38a-328 AUTHORITY: Conn. Gen. Stat. § 38a-328

Regulations of Connecticut State AgenciesSec. 38a-328-7. Joint underwriting organization(a) A joint underwriting organization shall be created consisting of all insurers licensed to write the lines of insurance written by the FAIR Plan. All such insurers shall participate in the …

Regulations of Connecticut State AgenciesSec. 38a-328-8. Standard policy coverage and limits of liability(a) All policies issued shall be limited to basic insurance on authorized policy forms and approved amendatory endorsements. Each such policy shall be for a term of one year. …