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

17:46B-61. Repealer All laws and parts of laws in conflict with the provisions of this act are hereby repealed insofar as they may be or have been applicable to the business of title insurance, title insurance companies, title insurance agents, or title insurance rating organizat…

17:46B-62. Effect of this act The repeal by this act of any provision of law shall not revive any law heretofore repealed or superseded, nor shall this act affect any act done, liability incurred, or any right accrued or established, or any suit or prosecution, civil or criminal,…

17:46B-63 Consumer rights; title, settlement service company. 2. a. Notwithstanding the provisions of this act nothing herein shall prevent a consumer from exercising their free choice in the selection of the title or settlement services company of their choosing. Any agreement b…

17:46B-7. Financial requirement Financial requirement. a. Every title insurance company shall have a minimum capital, which shall be paid in and maintained, of not less than $500,000.00 and, in addition, paid-in surplus of at least $250,000.00. b. Every title insurance company sh…

17:46B-8. Procedure when capital impaired a. If, for any reason, the capital of a domestic title insurance company becomes impaired and such impairment shall not be eliminated within 30 days from its inception, the company shall forthwith give written notice thereof to the commis…

17:46B-9. Determination of insurability required No policy or contract of title insurance shall be written unless and until the title insurance company has caused to be conducted a reasonable examination of the title and has caused to be made a determination of insurability of ti…

17:46C-1. Short title This act shall be known and may be cited as the "New Jersey Legal Services Insurance Act." L.1981, c. 160, s. 1.

17:46C-10. Reserves An insurer shall maintain the reserves necessary for the sound operation of the business including unearned premium reserves in a manner to be determined by the commissioner. L.1981, c. 160, s. 10.

17:46C-11. Investments The investable funds generated through the transaction of the business of legal insurance by a person who obtains a certificate of authority under this act shall be invested in securities or other investments permitted by the laws of this State for the inve…

17:46C-12. Regulation of trade practices Except where inconsistent with this act, P.L.1947, c. 379 (C. 17:29B-1 to 17:29B-14) shall apply to persons obtaining a certificate of authority under this act. L.1981, c. 160, s. 12.

17:46C-13. Rules and regulations The commissioner shall promulgate rules and regulations to provide for the licensing of agents and brokers under this act, including the establishment of examination and licensing fees, and such other rules and regulations as are necessary or prop…

17:46C-14. Commissions to nonlicensees and rebates; prohibition Commissions may not be paid to nonlicensees. Rebates are prohibited to the same extent as under Titles 17 of the Revised Statutes and 17B of the New Jersey Statutes. Penalties for noncompliance with this section shal…

17:46C-15. Examination of insurers; expenses; payment The commissioner, in accordance with the procedures set forth in R.S. 17:23-4 et seq., shall make an examination of the affairs of any insurer obtaining a certificate of authority under this act as often as he deems it necessa…

17:46C-16. Report of violations of Code of Professional Responsibility The commissioner shall report to the New Jersey Supreme Court any information which he considers to be indicative of possible violations of the Code of Professional Responsibility of the American Bar Associati…

17:46C-17. Suspension or revocation The commissioner may suspend or revoke any certificate of authority issued to a person transacting the business of legal insurance under this act, after notice and hearing, for violation of any provision of the act. L.1981, c. 160, s. 17.

17:46C-18. Liquidation or dissolution Any liquidation or dissolution of a person transacting the business of legal insurance shall be accomplished in accordance with the provisions of P.L.1975, c. 113 (C. 17:30C-1 et seq.). L.1981, c. 160, s. 18.

17:46C-19. Fees; payment Every person subject to this act shall pay to the commissioner fees required by R.S. 17:33-1. L.1981, c. 160, s. 19.

17:46C-2. Legislative declarations It is declared that there is a need to encourage the development of effective and economically sound methods for making legal services more readily available at reasonable cost to the citizens of New Jersey; that there is a need to protect the i…

17:46C-20. Retaliatory tax provisions; application The provisions of P.L.1950, c. 231 (C. 17:32-15) relating to retaliatory tax provisions shall apply to insurers under this act. L.1981, c. 160, s. 20.

17:46C-21. Applications, filings and reports as public documents; application of attorney-client privilege; validity of independent judgment of attorney All applications, filings, and reports required under this act shall be treated as public documents. Nothing contained in this …

17:46C-22. Unauthorized insurers; submission to jurisdiction of state Subject to the provisions of this act, P.L.1952, c. 330 (C. 17:51-1 to 17:51-5), relating to unauthorized insurers, shall apply to persons transacting the business of legal insurance. L.1981, c. 160, s. 22.

17:46C-23. Application of Titles 17 and 17B to insurers authorized to transact business under Subtitle 3 The provisions of Title 17 of the Revised Statutes and Title 17B of the New Jersey Statutes shall apply generally to legal insurance offered by insurers authorized to transact…

17:46C-24. Titles 17 and 17B; application to orders or rules and regulations; inapplicability to insurer authorized under this act a. Orders or rules and regulations issued under the provisions of this act shall be issued in accordance with the provisions of Title 17 of the Revis…

17:46C-25. Violations; penalty; enforcement; expenses for enforcement of act; payment The penalty for each violation of any section of this act or any supplement thereto, shall be a penalty not exceeding $1,000.00 for the first offense and not exceeding $2,000.00 for each succeed…

17:46C-26. Person transacting business prior to effective date; application; continuance of operation Any person who has been transacting the business of legal insurance for more than 90 days prior to the effective date of this act shall submit an application for a certificate of…

17:46C-29. Nonapplicability of authority of commissioner to discipline or regulation of attorneys Nothing contained in this act shall give the commissioner authority concerning regulation or suspension of attorneys admitted to practice in this State, or authority over attorneys' …

17:46C-3. Definitions As used in this act: a. "Commissioner" means the Commissioner of Insurance. b. "Insurer" means any person who obtains a certificate of authority in accordance with the provisions of section 4 of this act and any person authorized to transact the business of …

17:46C-30. Severability If any section in this act or any part of any section is declared invalid or unconstitutional, such declaration of invalidity shall not affect the validity of the remaining portions thereof. L.1981, c. 160, s. 30.

17:46C-31. Liberal construction of act This act shall be liberally construed to effectuate the purposes set forth in section 2. L.1981, c. 160, s. 31.

17:46C-4. Certificate of authority; persons entitled to transact business without; necessity for other persons; application; fee; exemptions a. (1) A person entitled to transact the business of insurance under Subtitle 3 of Title 17 of the Revised Statutes or Subtitle 3 of Title …

17:46C-5. Conditions for issuance; order stating person provides legal insurance a. A certificate of authority shall be issued if the commissioner is satisfied that the following conditions are met: (1) The persons responsible for the conduct of the affairs of the applicant are c…

17:46C-6. Policy or master policy; certificate of coverage; forms; rating system; approval; hearings a. (1) Each contractual obligation for legal insurance shall be evidenced by a policy or master policy. Legal insurance may be written on an individual basis or on a group or blan…

17:46C-7. Transaction of business of legal insurance along with any other business; segregated accounts Except for employee welfare benefit plans regulated by the "Employee Retirement Income Security Act of 1974" (P.L. 93-406, 29 U.S.C. 1001 et seq.), a person who obtains a certi…

17:46C-8. Management contract; approval a. An insurer who obtains a certificate of authority in accordance with the provisions of section 4 of this act may not enter into any management contract, unless the contract is first filed with the commissioner and not disapproved under t…

17:46C-8.1 Legal insurance, prepaid, defined, certain related services differentiated. 1. a. A prepaid legal insurance plan shall be considered “legal insurance” subject to all provisions of the “New Jersey Legal Services Insurance Act” except as provided in this section. Notwith…

17:46C-9. Annual report by insurers; exceptions An insurer other than an insurer authorized to transact the business of insurance under subtitle 3 of Title 17 of the Revised Statutes or subtitle 3 of Title 17B of the New Jersey Statutes shall annually, on or before the first day …

17:46D-1. Hospital, medical benefits for pets Any insurer writing any coverage to which the provisions of R.S.17:17-1 apply may offer group or individual policies or contracts which provide benefits for hospital and medical services for pets, provided that these services are prov…

17:46D-10 Licensure, training required for pet insurance producer. 8. a. An insurance producer shall not sell, solicit, or negotiate a pet insurance product until after the producer is appropriately licensed and has completed the required training pursuant to subsection c. of thi…

17:46D-11 Penalties enforceable, pet insurance. 9. The commissioner of the department shall be authorized to establish and enforce penalties for violations of this act, pursuant to section 6 of P.L.1996, c.45 (C.17:1-15). L.2025, c.224, s.9.

17:46D-3 Short title. 1. This act shall be known and may be cited as the “Pet Insurance Act.” L.2025, c.224, s.1.

17:46D-4 Findings, declarations. 2. The Legislature finds and declares that: a. The purpose of this act is to promote the public welfare by creating a comprehensive legal framework within which pet insurance may be sold in this State. b. The requirements of this act shall apply t…

17:46D-5 Definitions. 3. As used in this act: “Chronic condition” means a condition that can be treated or managed, but not cured. “Congenital anomaly or disorder” means a condition that is present from birth, whether inherited or caused by the environment, which may cause or con…

17:46D-6 Use of terms, pet insurers. 4. a. If a pet insurer uses any of the terms in section 3 of this act in a policy of pet insurance, the pet insurer shall use the definition of each of those terms as set forth herein and include the definition of the term in the policy. The p…

17:46D-7 Information disclosure, pet insurance. 5. a. A pet insurer transacting pet insurance shall disclose to insureds: (1) if the policy excludes coverage due to: (a) a preexisting condition; (b) a hereditary disorder; (c) a congenital anomaly or disorder; or (d) a chronic con…

17:46D-8 Preexisting conditions, exclusion, eligibility, pet insurance. 6. a. A pet insurer may issue policies that exclude coverage on the basis of one or more preexisting conditions with appropriate disclosure to the consumer. The pet insurer has the burden of proving that the …

17:46D-9 Wellness programs separate from pet insurance. 7. a. A pet insurer or insurance producer shall not market a wellness program as pet insurance. b. If a wellness program is sold by a pet insurer or insurance producer: (1) the purchase of the wellness program shall not be a…