Title 17, Title 17: CORPORATIONS AND INSTITUTIONS FOR FINANCE AND INSURANCE

17:36-5.20. Standard provisions Every such fire insurance policy shall contain certain standard provisions which shall be in the words and in the order hereinafter set forth: PLEASE PHOTOCOPY TEXT FROM PAMPHLET LAWS Provided, however, that the commissioner may approve for use wit…

17:36-5.20a. Cancellation, non-renewal of homeowners insurance prohibited under certain circumstances 1. No insurer authorized to do business in this State shall cancel or non-renew an insurance policy covering an owner occupied one-to-four family dwelling solely because of claim…

17:36-5.20b Certain commercial lines insurance risks, exclusion from requirements of standard fire policy. 1. a. A fire insurance policy for commercial lines insurance risks which produce minimum annual premiums in excess of $10,000 shall be excluded from the requirements of sect…

17:36-5.21. Other insurances; combination policies; premium, allocation of portion to fire insurance Every such policy of fire insurance may, subject to the provisions of section 1 hereof as to filing with and possible disapproval by the Commissioner of Banking and Insurance, inc…

17:36-5.22. Endorsements; supplemental contracts; contracts; disapproval by commissioner Appropriate forms of contracts, or supplemental contracts, or extended coverage endorsements that will provide insurance in case of loss, damage or liability occasioned by any accident, incid…

17:36-5.23. Disapproval and other orders to be in writing Whenever the Commissioner of Banking and Insurance shall make any disapproval or any other order affecting any insurer, insurance agent, insurance broker or other person or persons subject to this act, such disapproval or …

17:36-5.24. Violation of regulation or order Any insurer, insurance agent, insurance broker or other person or persons doing in this State the business of fire insurance which shall violate any regulation or order of the Commissioner of Banking and Insurance or attach to, or othe…

17:36-5.25. Provisions of act inapplicable to reinsurance and certain kinds of insurance The provisions of this act shall not apply to any policy or contract of reinsurance between insurers; nor shall the provisions of this act apply to policies of marine, inland marine, motor ve…

17:36-5.26. Repeal "An act prescribing a standard form of fire insurance policy, endorsements and supplemental contracts, and repealing sections 17:36-3, 17:36-4, 17:36-5 and 17:36-7 of the Revised Statutes," approved April 20, 1944 (P.L.1944, c. 171), is repealed but the repeal …

17:36-5.27. Partial invalidity The invalidity of any part or section of this act shall not affect the validity of the remaining parts or sections. L.1954, c. 268, p. 994, s. 13.

17:36-5.28. Authority to exclude loss or damage caused by nuclear reaction or radiation or radioactive contamination Insurers issuing a fire insurance policy or any permissible variation thereof, pursuant to the act to which this act is a supplement are authorized to affix theret…

17:36-5.29. Domestic servants or household employees; coverage Every homeowners' policy or other policy providing comprehensive personal liability insurance delivered, issued for delivery, or renewed in this State on or after the effective date of this act shall afford coverage a…

17:36-5.30. Insurers deemed admitted to transact workers' compensation insurance Notwithstanding R.S. 17:17-7, every insurer who is admitted to transact liability insurance under R.S. 17:17-1 is also deemed to be admitted to transact workers' compensation insurance for the purpos…

17:36-5.31. Information provided to policyholders by every fire, casualty insurer 1. Every fire and casualty insurer, including the New Jersey Insurance Underwriting Association created pursuant to P.L.1968, c.129 (C.17:37A-1 et seq.), shall provide its policyholders of homeowner…

17:36-5.32. Penalties 3. If the commissioner determines that an insurer has committed or performed, with such frequency as to indicate a general business practice, violations of any provisions of this act, the commissioner may impose a civil penalty in an amount up to $2,500 for …

17:36-5.33 Definitions relative to homeowners insurance deductibles and premium rates. 1. For purposes of this act: "Commissioner" means the Commissioner of Banking and Insurance. "Homeowners insurance" means personal lines insurance provided against loss to real and personal pro…

17:36-5.34 Uniform policy language concerning hurricane deductible. 2. The commissioner shall establish by regulation uniform policy language regarding the applicability of hurricane deductibles and the form of notice to be provided to an insured under a homeowners insurance poli…

17:36-5.35 Expedited rate filing procedure, certain. 3. a. A filer may use an expedited rate filing procedure to file for a proposed alteration to its homeowners insurance rating system when the filer requests an increase of no more than five percent in its Statewide rate for hom…

17:36-5.36 Customer information brochure for homeowners insurance consumers. 4. a. No homeowners insurance policy shall be issued, delivered or renewed in this State on or after the 90th day following the effective date of this act unless the policy is accompanied by a consumer i…

17:36-5.37 Regulations. 5. The commissioner shall promulgate regulations pursuant to the "Administrative Procedure Act," P.L.1968, c.410 (C.52:14B-1 et seq.), necessary to effectuate the provisions of this act. L.2001,c.409,s.5.

17:36-5.38 Earthquake damage endorsement, availability through homeowners' insurance policy. 1. Every insurer that is authorized to transact the business of homeowners' insurance in this State and that offers coverage for earthquake damage by endorsement to those homeowners' insu…

17:36-5.39 Earthquake damage endorsement, availability through commercial fire, extended coverage insurance policy. 2. Every insurer that is authorized to transact the business of commercial fire and extended coverage insurance in this State and that offers coverage for earthquak…

17:36-5.40 Immunity from liability for informing insureds of endorsement. 3. Notwithstanding any other provision of law to the contrary, no person, including, but not limited to, an insurer and an insurance producer, as defined in section 3 of P.L.2001, c.210 (C.17:22A-28), shall…

17:36-5.41 Provision of notice to applicants, insureds. 4. a. Every insurer, subject to the provisions of sections 1 and 2 of this act, shall provide a notice, prepared by the commissioner pursuant to subsection b. of this section, to applicants and insureds with the offer requir…

17:36-6. Furnishing proofs of loss The failure of any person, insured against loss or damage by fire in any insurance company doing business under the authority of the department, to furnish proofs of loss shall not be considered a waiver of any rights accruing under the policy o…

17:36-8. Official certificate of search required No insurer issuing fire insurance policies in this State shall pay any claims for fire damages in excess of $2,500.00 on any real property located within a municipality having adopted an ordinance pursuant to section 2 of this act,…

17:36-9. Municipal ordinances authorized Any municipality may, by ordinance, prohibit the payment to a claimant by any insurance company of any claim in excess of $2,500.00 for fire damages on any real property located within the municipality, pursuant to any fire insurance polic…

17:37-1. Property mutual company may insure Any mutual fire insurance company of this state may insure dwellings, schoolhouses, houses for religious worship, mechanic shops, barns, wagon houses and other farm buildings, with or without their contents, against loss or damage by li…

17:37-10. Tenure of directors of certain companies; cash payments Any mutual fire insurance company of this state organized by special act prior to the year one thousand eight hundred and seventy-five may, if deemed for its best interests, elect its directors for three-year terms…

17:37-2. Retirement or surrender of advance premium notes When any mutual fire insurance company formed under this subtitle shall have taken advantage of sections 17:26-4 and 17:26-5 of this title, and shall have created a capital stock and issued policies, not mutual, participat…

17:37-3. Borrowing money The directors of any mutual fire insurance company of this State issuing assessable policies may borrow money to an amount not exceeding $25,000.00, for and on behalf of the company and in its name, to pay losses and expenses for which the company is liab…

17:37-4. Rewards The directors of any mutual fire insurance company of this state may offer, in the company's name, such sum of money as in their judgment is proper as a reward for the apprehension and conviction of any person who burns or causes to be burned any property on whic…

17:37-5. Issuance of policies to others than the insured Any mutual fire insurance company of this state, at the time of issuing a policy of insurance, may, with the assent of the insured, make the whole or any part of the loss which may occur under the policy payable to any pers…

17:37-6. Limited liability of insured in certain companies Any mutual fire insurance company organized by special act of the Legislature prior to the year 1875 may provide in the policy of insurance a limited liability of the insured to pay upon call during the existence of the p…

17:37-7. Assessments When the directors of any mutual fire insurance company of this State make an assessment, they may assess over and above the amount of the losses and liabilities existing and unpaid at the time of making the assessment, any sum which they determine. The asses…

17:37-8. Assessments required when liabilities of mutual fire insurer exceed assets When the liabilities of any mutual fire insurance company organized under the laws of this State and now doing business shall exceed its assets, or hereafter organized shall exceed the net assets …

17:37-9. Vice president; election; acting as president Any mutual fire insurance company, organized under the laws of this state, may choose from its board of directors, at the time of its annual election, in the same manner as its president is elected, one vice president, who ma…

17:37A-1. Policy declaration for mandatory program of essential insurance 1. It is hereby declared that an adequate market for fire and extended coverage insurance, including mine subsidence insurance, is necessary to attract and retain private capital in central city areas, and …

17:37A-10. Rates, rating plans and rating rules a. The rates, rating plans and rating rules applicable to the insurance written by the association, shall be in accord with the manual or traffic rates in current usage. L.1968, c. 129, s. 10, eff. July 1, 1968.

17:37A-11. Appeal Any person insured pursuant to this act, or his representative, or any affected insurer, may appeal to the commissioner within 30 days after any ruling, action or decision by or on behalf of the association, with respect to those items of the plan of operation w…

17:37A-12. Orders of commissioner; review All orders of the commissioner made pursuant to this act shall be subject to review by the Superior Court in a proceeding in lieu of prerogative writ. L.1968, c. 129, s. 12, eff. July 1, 1968.

17:37A-13. Reports of inspection All reports of inspection performed by or on behalf of the association shall be made available to members of the association, applicants and the commissioner. L.1968, c. 129, s. 13, eff. July 1, 1968.

17:37A-14. Liability for statements in reports or communications There shall be no liability on the part of, and no cause of action of any nature shall arise against, the association or its agents or employees, an insurer or the commissioner or his authorized deputies, for any st…

17:37A-15. Association's annual statement; contents, form 15. The association shall file with the Governor, the commissioner and the New Jersey Senate and General Assembly, annually on or before March 1, a statement which shall contain information with respect to its transactions…

17:37A-16. Examination into affairs; hearings; expenses The commissioner may make an examination into the affairs of the association whenever he deems it expedient, and in undertaking any examination he may hold a hearing or hearings pursuant to the procedures provided in chapter…

17:37A-18. New Jersey insurance development fund; purpose; administration There is hereby created a fund to be known as the "New Jersey Insurance Development Fund," for the purpose of providing a financial backup for the plan of operation of the association as approved or issued …