Title 38a — Title 38a: Insurance
33 chapters · 1,393 sections in this title.
Conn. Gen. Stat. § 38a-305 (Formerly Sec. 38-107). Additional powers of fire insurance companies.
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Sec. 38a-305. (Formerly Sec. 38-107). Additional powers of fire insurance companies. (a) Domestic insurance companies having power to insure against loss by fire, in addition to such other powers as they may have under their respective charters, and foreign and alien insurance co…
Conn. Gen. Stat. § 38a-306 (Formerly Sec. 38-97). Standard form of fire insurance policy; designation; penalty.
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Sec. 38a-306. (Formerly Sec. 38-97). Standard form of fire insurance policy; designation; penalty. The form of policy of fire insurance set forth in section 38a-307 shall be known and designated as “The Standard Fire Insurance Policy of the State of Connecticut”. The standard for…
Conn. Gen. Stat. § 38a-307 (Formerly Sec. 38-98). Standard form.
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Sec. 38a-307. (Formerly Sec. 38-98). Standard form. Except as provided in section 38a-307a, the standard form of fire insurance policy of the state of Connecticut, with permission to substitute for the word “Company” a more accurate descriptive term of the type of insurer, shall …
Conn. Gen. Stat. § 38a-307a Terrorism exclusion in condominium association master policy prohibited. Conditions re terrorism exclusion in other commercial risk insurance policy.
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Sec. 38a-307a. Terrorism exclusion in condominium association master policy prohibited. Conditions re terrorism exclusion in other commercial risk insurance policy. From July 1, 2004, until the expiration of the Terrorism Insurance Program established in the federal Terrorism Ris…
Conn. Gen. Stat. § 38a-308 (Formerly Sec. 38-99). Provisions of policy or contract.
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Sec. 38a-308. (Formerly Sec. 38-99). Provisions of policy or contract. (a)(1) No policy or contract of fire insurance shall be made, issued or delivered by any admitted or nonadmitted insurer or any agent or representative thereof, on any property in this state, unless it conform…
Conn. Gen. Stat. § 38a-309 (Formerly Sec. 38-100). Binders for temporary insurance. Written binder as evidence of insurance on mortgaged property.
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Sec. 38a-309. (Formerly Sec. 38-100). Binders for temporary insurance. Written binder as evidence of insurance on mortgaged property. (a) Binders or other contracts for temporary insurance may be made, orally or in writing, for a period which shall not exceed sixty days, and shal…
Conn. Gen. Stat. § 38a-310 (Formerly Sec. 38-101). Combination standard form of fire insurance policy.
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Sec. 38a-310. (Formerly Sec. 38-101). Combination standard form of fire insurance policy. Two or more insurers authorized to do the business of property insurance in this state may, with the approval of the commissioner, issue a combination standard form of fire insurance policy …
Conn. Gen. Stat. § 38a-311 (Formerly Sec. 38-102). Forms of supplemental contracts or extended coverage endorsements.
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Sec. 38a-311. (Formerly Sec. 38-102). Forms of supplemental contracts or extended coverage endorsements. The commissioner may approve appropriate forms of supplemental contract or contracts or extended coverage endorsements and additional contracts or endorsements, in addition to…
Conn. Gen. Stat. § 38a-312 (Formerly Sec. 38-103). Renewal certificates.
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Sec. 38a-312. (Formerly Sec. 38-103). Renewal certificates. Nothing contained in sections 38a-306 to 38a-311, inclusive, shall be construed to prohibit the renewal of any policy conforming to the requirements of said sections by the issuance of a renewal certificate, subject to s…
Conn. Gen. Stat. § 38a-313 (Formerly Sec. 38-104). Replacement insurance.
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Sec. 38a-313. (Formerly Sec. 38-104). Replacement insurance. Nothing contained in section 38a-307 shall be construed to preclude insurance indemnifying the insured against the amount actually expended, in excess of actual cash value at the time any loss or damage occurs, to repai…
Conn. Gen. Stat. § 38a-313a Notice to insured and contract or document re repair, remediation or mitigation work under a personal or commercial risk policy.
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Sec. 38a-313a. Notice to insured and contract or document re repair, remediation or mitigation work under a personal or commercial risk policy. (a)(1) Prior to commencing any repair, remediation or mitigation pursuant to a loss occurring on or after January 1, 2017, under a perso…
Conn. Gen. Stat. § 38a-313b Coverage for perishable food donated by certain food establishments.
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Sec. 38a-313b. Coverage for perishable food donated by certain food establishments. (a)(1) Subject to the provisions of subsection (b) of this section, any insurer that delivers, issues for delivery, renews, amends or continues in this state a commercial risk insurance policy or …
Conn. Gen. Stat. § 38a-313c Coverage for canned or perishable food donated by food relief organization or supermarket.
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Sec. 38a-313c. Coverage for canned or perishable food donated by food relief organization or supermarket. (a) For the purposes of this section: (1) “Canned food” means any food that has been commercially processed, prepared and hermetically sealed for human consumption, including…
Conn. Gen. Stat. § 38a-314 (Formerly Sec. 38-105). Conditions to be stated in body of policy.
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Sec. 38a-314. (Formerly Sec. 38-105). Conditions to be stated in body of policy. No condition in any policy of insurance against loss by fire shall be valid unless stated in the body of the policy. (1949 Rev., S. 6104.) History: Sec. 38-105 transferred to Sec. 38a-314 in 1991.
Conn. Gen. Stat. § 38a-315 (Formerly Sec. 38-106). Form of policies in other states.
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Sec. 38a-315. (Formerly Sec. 38-106). Form of policies in other states. Any domestic property insurance company doing or proposing to do business in another state may frame and issue policies in such other state in accordance with the laws thereof. (1949 Rev., S. 6112; P.A. 90-24…
Conn. Gen. Stat. § 38a-316 (Formerly Sec. 38-114). Premium notes subject to set-off.
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Sec. 38a-316. (Formerly Sec. 38-114). Premium notes subject to set-off. Section 38a-316 is repealed, effective October 1, 1998. (1949 Rev., S. 6122; P.A. 90-243, S. 53; P.A. 98-214, S. 32.)
Conn. Gen. Stat. § 38a-316a Failure to install or have on premises storm shutters prohibited as sole basis for refusal to renew or issue homeowners insurance policy. Imposition of hurricane deductibles.
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Sec. 38a-316a. Failure to install or have on premises storm shutters prohibited as sole basis for refusal to renew or issue homeowners insurance policy. Imposition of hurricane deductibles. (a) No insurer that delivers, issues for delivery, renews, amends or endorses a homeowners…
Conn. Gen. Stat. § 38a-316b Premium discount on homeowners insurance policies for installation of permanent storm shutters or impact-resistant glass.
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Sec. 38a-316b. Premium discount on homeowners insurance policies for installation of permanent storm shutters or impact-resistant glass. Each insurer that delivers, issues for delivery, renews, amends or endorses in this state a homeowners insurance policy for a residential dwell…
Conn. Gen. Stat. § 38a-316c Coastal market assistance program established to assist coastal area residents to obtain homeowners insurance. Regulations.
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Sec. 38a-316c. Coastal market assistance program established to assist coastal area residents to obtain homeowners insurance. Regulations. (a) The Insurance Commissioner may establish a coastal market assistance program to assist homeowners to obtain homeowners insurance for thei…
Conn. Gen. Stat. § 38a-316d Prohibitions on declination, cancellation and nonrenewal of homeowners insurance policies.
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Sec. 38a-316d. Prohibitions on declination, cancellation and nonrenewal of homeowners insurance policies. (a) The declination, cancellation or nonrenewal of a homeowners insurance policy is prohibited if the declination, cancellation or nonrenewal is based solely on any loss incu…
Conn. Gen. Stat. § 38a-316e Matching of adjacent items under real property covered loss.
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Sec. 38a-316e. Matching of adjacent items under real property covered loss. (a) When a covered loss for real property requires the replacement of an item or items and the replacement item or items do not match adjacent items in quality, color or size, the insurer shall replace al…
Conn. Gen. Stat. § 38a-316f Flood insurance coverage offering.
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Sec. 38a-316f. Flood insurance coverage offering. An insurer licensed to write homeowners or commercial property insurance in this state may offer flood insurance coverage for one-to-four unit owner-occupied residential real property or commercial property, as applicable, on a le…
Conn. Gen. Stat. § 38a-316g Cancellation of homeowners insurance policies. Notice refund of excess premium.
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Sec. 38a-316g. Cancellation of homeowners insurance policies. Notice refund of excess premium. (a)(1) Except as provided in subsection (b) of this section, no insurer that delivers, issues for delivery, renews, amends or endorses a homeowners insurance policy in this state on or …
Conn. Gen. Stat. § 38a-317 (Formerly Sec. 38-114g). Owner of mobile home eligible for homeowners policy.
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Sec. 38a-317. (Formerly Sec. 38-114g). Owner of mobile home eligible for homeowners policy. An owner of a mobile home shall be a homeowner for purposes of sections 38a-72, 38a-73, 38a-285, 38a-305 to 38a-318, inclusive, 38a-328, 38a-663 to 38a-696, inclusive, 38a-827 and 38a-894 …
Conn. Gen. Stat. § 38a-318 (Formerly Sec. 38-114h). Information to be furnished relative to fire or explosion losses. Limitation on liability. Confidentiality of information. Testimony concerning information given authorized agencies.
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Sec. 38a-318. (Formerly Sec. 38-114h). Information to be furnished relative to fire or explosion losses. Limitation on liability. Confidentiality of information. Testimony concerning information given authorized agencies. (a) Any authorized agency may in writing request any insur…
Conn. Gen. Stat. § 38a-318a Information to be furnished to Commissioner of Administrative Services re filed liability insurance claims. Confidentiality of information. Costs and reimbursement. Immunity from liability.
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Sec. 38a-318a. Information to be furnished to Commissioner of Administrative Services re filed liability insurance claims. Confidentiality of information. Costs and reimbursement. Immunity from liability. (a) Notwithstanding any provision of the general statutes, each insurer aut…
Conn. Gen. Stat. § 38a-319 (Formerly Sec. 38-31). Agreement of indemnification for injury from future accident to constitute contract.
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Sec. 38a-319. (Formerly Sec. 38-31). Agreement of indemnification for injury from future accident to constitute contract. Any agreement in any form, which in effect provides for the indemnification of one person by another for injurious results to property from a future accident …
Conn. Gen. Stat. § 38a-320 (Formerly Sec. 38-31a). Home warranty contract or home warranty service agreement. Definition. Constitutes insurance contract.
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Sec. 38a-320. (Formerly Sec. 38-31a). Home warranty contract or home warranty service agreement. Definition. Constitutes insurance contract. (a) As used in this section, “home warranty contract” or “home warranty service agreement” means any agreement in which any person, firm, c…
Conn. Gen. Stat. § 38a-321 (Formerly Sec. 38-175). Liability of insurer under liability policy.
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Sec. 38a-321. (Formerly Sec. 38-175). Liability of insurer under liability policy. Each insurance company which issues a policy to any person, firm or corporation, insuring against loss or damage on account of the bodily injury or death by accident of any person, or damage to the…
Conn. Gen. Stat. § 38a-322 (Formerly Sec. 38-185v). Binders for personal and commercial risk insurance.
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Sec. 38a-322. (Formerly Sec. 38-185v). Binders for personal and commercial risk insurance. Binders or other contracts for temporary insurance may be made, orally or in writing, for a period which shall not exceed sixty days, and shall be deemed to include all the terms and applic…
Conn. Gen. Stat. § 38a-322a Certificate of insurance. Prohibitions. Investigation.
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Sec. 38a-322a. Certificate of insurance. Prohibitions. Investigation. (a) As used in this section, “certificate of insurance” means a document or instrument that is prepared or issued by an insurer or insurance producer as evidence of personal risk insurance or commercial risk in…
Conn. Gen. Stat. § 38a-323 (Formerly Sec. 38-185w). Notice of nonrenewal, conditional renewal and premium billing for personal and commercial risk policies.
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Sec. 38a-323. (Formerly Sec. 38-185w). Notice of nonrenewal, conditional renewal and premium billing for personal and commercial risk policies. (a)(1) No insurer shall refuse to renew any policy that is subject to the requirements of sections 38a-663 to 38a-696, inclusive, unless…
Conn. Gen. Stat. § 38a-323a Designation of a third party to receive nonrenewal and cancellation notices. Option available for automobile and homeowners policies.
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Sec. 38a-323a. Designation of a third party to receive nonrenewal and cancellation notices. Option available for automobile and homeowners policies. (a) Each insurer that issues, renews, amends or endorses an automobile or homeowners insurance policy in this state on or after Jul…
Conn. Gen. Stat. § 38a-323b Written notice of personal risk claim denial. Notice to include Insurance Department contact information.
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Sec. 38a-323b. Written notice of personal risk claim denial. Notice to include Insurance Department contact information. Each insurer, or designee of an insurer, that denies a claim under a personal risk insurance policy issued in this state shall provide the insured with written…
Conn. Gen. Stat. § 38a-323c Notice of late fee amount and applicability re personal risk insurance policies.
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Sec. 38a-323c. Notice of late fee amount and applicability re personal risk insurance policies. Each insurer that assesses a fee for late payment of premium on a policy for personal risk insurance, as defined in section 38a-663, shall indicate the amount and applicability of the …
Conn. Gen. Stat. § 38a-324 (Formerly Sec. 38-185x). Cancellation of commercial risk insurance policies. Notice requirements. Applicable to surplus lines insurers.
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Sec. 38a-324. (Formerly Sec. 38-185x). Cancellation of commercial risk insurance policies. Notice requirements. Applicable to surplus lines insurers. (a) After a policy of commercial risk insurance, other than workers' compensation insurance and automobile insurance issued under …
Conn. Gen. Stat. § 38a-325 Notice of cancellation or discontinuation of professional liability insurance to covered employees.
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Sec. 38a-325. Notice of cancellation or discontinuation of professional liability insurance to covered employees. (a) Any individual, partnership, corporation, or unincorporated association providing professional liability insurance coverage for its employees shall furnish each i…
Conn. Gen. Stat. § 38a-326 (Formerly Sec. 38-185y). History report provided upon nonrenewal or cancellation of commercial risk policy. Claim information provided upon request. Regulations.
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Sec. 38a-326. (Formerly Sec. 38-185y). History report provided upon nonrenewal or cancellation of commercial risk policy. Claim information provided upon request. Regulations. (a) Whenever a policy for commercial risk insurance, as defined in section 38a-663, is nonrenewed or can…
Conn. Gen. Stat. § 38a-327 (Formerly Sec. 38-17a). Regulations on claims-made policies.
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Sec. 38a-327. (Formerly Sec. 38-17a). Regulations on claims-made policies. On or before April 1, 1988, the Insurance Commissioner shall adopt regulations, in accordance with the provisions of chapter 54, to establish standards for insurance policies written on a claims-made basis…
Conn. Gen. Stat. § 38a-328 (Formerly Sec. 38-114f). Adoption of a fire, liability and allied lines underwriting facility.
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Sec. 38a-328. (Formerly Sec. 38-114f). Adoption of a fire, liability and allied lines underwriting facility. (a) The Insurance Commissioner shall make and enforce such reasonable regulations as he deems necessary to adopt and implement a fire, liability and allied lines underwrit…
Conn. Gen. Stat. § 38a-329 (Formerly Sec. 38-185l). Residual market mechanism for property and casualty insurance.
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Sec. 38a-329. (Formerly Sec. 38-185l). Residual market mechanism for property and casualty insurance. (a) After consultation with insurance carriers authorized to issue property and casualty policies in this state, the Insurance Commissioner shall establish and approve a reasonab…
Conn. Gen. Stat. § 38a-330 Transfer of policy to affiliate due to merger or acquisition. Notice.
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Sec. 38a-330. Transfer of policy to affiliate due to merger or acquisition. Notice. Each property and casualty insurer that, at the time of policy renewal, transfers any policy to an affiliate as a result of a merger or acquisition of control, shall provide notice to policyholder…
Conn. Gen. Stat. § 38a-331 Healthy Homes Fund. Surcharge.
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Sec. 38a-331. Healthy Homes Fund. Surcharge. (a)(1) There is imposed a twelve-dollar surcharge on the issuance or renewal of each insurance policy providing: (A) Personal risk insurance coverage for an owned dwelling in this state with four or fewer units, except for a mobile hom…
Conn. Gen. Stat. §§ 38a-332 and 38a-333 38a-332 and 38a-333
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Secs. 38a-332 and 38a-333. Reserved for future use. PART II* MOTOR VEHICLE POLICIES *Cited. 222 C. 631; Id., 657; 234 C. 182. Cited. 25 CA 492; judgment reversed, see 222 C. 744.
Conn. Gen. Stat. § 38a-334 (Formerly Sec. 38-175a). Minimum provisions in automobile liability policies.
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Sec. 38a-334. (Formerly Sec. 38-175a). Minimum provisions in automobile liability policies. (a) The Insurance Commissioner shall adopt regulations with respect to minimum provisions to be included in automobile liability insurance policies issued after the effective date of such …
Conn. Gen. Stat. § 38a-335 (Formerly Sec. 38-175b). Minimum coverages. Applicability. Statement of coverage for rented motor vehicle.
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Sec. 38a-335. (Formerly Sec. 38-175b). Minimum coverages. Applicability. Statement of coverage for rented motor vehicle. (a) Each automobile liability insurance policy shall provide insurance in accordance with the regulations adopted pursuant to section 38a-334 against loss resu…
Conn. Gen. Stat. § 38a-335a Disclosure of automobile insurance policy limits.
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Sec. 38a-335a. Disclosure of automobile insurance policy limits. (a) Not later than thirty days after an insurer receives a written request by or on behalf of an individual that alleges the individual has suffered bodily injury or death caused in a motor vehicle collision by an i…
Conn. Gen. Stat. § 38a-336 (Formerly Sec. 38-175c). Uninsured and underinsured motorist coverage.
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Sec. 38a-336. (Formerly Sec. 38-175c). Uninsured and underinsured motorist coverage. (a)(1)(A) Each automobile liability insurance policy shall provide insurance, herein called uninsured and underinsured motorist coverage, in accordance with the regulations adopted pursuant to se…
Conn. Gen. Stat. § 38a-336a Underinsured motorist conversion coverage.
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Sec. 38a-336a. Underinsured motorist conversion coverage. (a) Each insurer licensed to write automobile liability insurance in this state shall offer, for an additional premium, underinsured motorist conversion coverage with limits in accordance with section 38a-336. The purchase…
Conn. Gen. Stat. § 38a-336b Subrogation against owner or operator of underinsured motor vehicle prohibited.
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Sec. 38a-336b. Subrogation against owner or operator of underinsured motor vehicle prohibited. No insurer providing underinsured motorist coverage as required under this title shall have any right of subrogation against the owner or operator of the underinsured motor vehicle for …