Title 48 — Title 48 INSURANCE

(1) Home heating fuel service contracts marketed, sold, offered for sale, issued, made, proposed to be made, or administered in this state or sold to residents of this state must be written, printed, or typed in clear, understandable language that is easy to read, and disclose th…

(1) A home heating fuel service contract provider shall not use in its name the words insurance, casualty, guaranty, surety, mutual, or any other words descriptive of the insurance, casualty, guaranty, or surety business; or a name deceptively similar to the name or description o…

(1) The home heating fuel service contract provider shall keep accurate accounts, books, and records concerning transactions regulated under this chapter.(2) The contract provider's accounts, books, and records must include the following:(a) Copies of each type of home heating fu…

(1) The commissioner may conduct investigations of home heating fuel service contract providers, administrators, home heating fuel service contract sellers, insurers, and other persons to enforce this chapter and protect home heating fuel service contract holders in this state. U…

(1) The commissioner may, subject to chapter 48.04 RCW, deny, suspend, or revoke the registration of a home heating fuel service contract provider if the commissioner finds that the contract provider:(a) Has violated this chapter or the commissioner's rules and orders;(b) Has ref…

The commissioner may adopt rules to implement and administer this chapter.[ 2006 c 36 s 14.]

This chapter applies to all home heating fuel service contracts sold or offered for sale after October 1, 2006.[ 2006 c 36 s 15.]

This chapter may be known and cited as the rental car specialty insurance producer license act.[ 2008 c 217 s 85; 2002 c 273 s 1.]Notes:Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.

The definitions in this section apply throughout this chapter unless the context clearly requires otherwise.(1) "Endorsee" means an unlicensed employee or agent of a rental car insurance producer who meets the requirements of this chapter.(2) "Person" means an individual or a bus…

(1) A rental car company, or officer, director, employee, or agent of a rental car company, may not offer, sell, or solicit the purchase of rental car insurance unless that person is licensed under chapter 48.17 RCW or is in compliance with this chapter.(2) The commissioner may i…

A rental car company may apply to be licensed as a rental car insurance producer under, and if in compliance with, this chapter by filing the following documents with the commissioner:(1) A written application for licensure, signed by the applicant or by an officer of the applica…

(1) An employee or agent of a rental car insurance producer may be an endorsee authorized to offer, sell, or solicit rental car insurance under the authority of the rental car insurance producer license, if all of the following conditions have been satisfied:(a) The employee or a…

Insurance may not be offered, sold, or solicited under this section, unless:(1) The rental period of the rental car agreement is thirty consecutive days or less;(2) At every location where rental agreements are executed, the rental car insurance producer or endorsee provides broc…

A rental car insurance producer may not:(1) Offer, sell, or solicit the purchase of insurance except in conjunction with and incidental to rental car agreements;(2) Advertise, represent, or otherwise portray itself or any of its employees or agents as licensed insurers or insuran…

(1) Every rental car insurance producer licensed under this chapter shall promptly reply in writing to an inquiry of the commissioner relative to the business of rental car insurance.(2)(a) In the event of a violation of this chapter by a rental car insurance producer, the commis…

A rental car insurance producer is not required to treat moneys collected from renters purchasing rental car insurance as funds received in a fiduciary capacity, if:(1) The charges for rental car insurance coverage are itemized and ancillary to a rental transaction; and(2) The in…

The commissioner may adopt rules necessary to implement this chapter, including rules establishing licensing fees to defray the cost of administering this chapter.[ 2002 c 273 s 10.]

The definitions in this section apply throughout this chapter unless the context clearly requires otherwise.(1) "Appointing insurer" means the insurer appointing the vendor as its agent under a specialty producer license.(2) "Customer" means a person that enters into a portable e…

(1) A vendor that intends to offer insurance under RCW 48.120.015 must file a specialty producer license application with the commissioner. Before the commissioner issues such a license, the vendor must be appointed as the insurance producer of one or more authorized appointing i…

(1) A specialty producer license authorizes a vendor and its employees and authorized representatives to offer and sell to, enroll in, and bill and collect premiums from customers for insurance covering portable electronics on a master, corporate, group commercial inland marine p…

(1) A vendor issued a specialty producer license may not issue insurance under RCW 48.120.015 unless:(a) At every location where customers are enrolled in portable electronics insurance programs, written material regarding the program is made available to prospective customers th…

(1) A vendor issued a specialty producer license under this chapter is subject to RCW 48.17.530 through 48.17.560.(2) The commissioner may adopt rules necessary for the implementation of this chapter , including, but not limited to, rules governing:(a) The specialty producer lice…

This chapter may be cited as the "self-funded multiple employer welfare arrangement regulation act."[ 2004 c 260 s 1.]

The purposes of this chapter are to:(1) Provide for the authorization and registration of self-funded multiple employer welfare arrangements;(2) Regulate self-funded multiple employer welfare arrangements in order to ensure the financial integrity of the arrangements;(3) Provide …

The definitions in this section apply throughout this chapter unless the context clearly requires otherwise.(1) "Bona fide association" means an association of employers that has been in existence for a period of not less than ten years prior to sponsoring a self-funded multiple …

(1) Except as provided in subsection (3) of this section, a person may not establish, operate, provide benefits, or maintain a self-funded multiple employer welfare arrangement in this state unless the arrangement first obtains a certificate of authority from the commissioner.(2)…

The commissioner may not issue a certificate of authority to a self-funded multiple employer welfare arrangement unless the arrangement establishes to the satisfaction of the commissioner that the following requirements have been satisfied by the arrangement:(1) The employers par…

(1) In addition to the requirements under RCW 48.125.030, self-funded multiple employer welfare arrangements are subject to the following requirements:(a) Arrangements must maintain a calendar year for operations and reporting purposes;(b) Arrangements must satisfy one of the fol…

A self-funded multiple employer welfare arrangement must apply for a certificate of authority on a form prescribed by the commissioner and must submit the application, together with the following documents, to the commissioner:(1) A copy of all articles, bylaws, agreements, trust…

Self-funded multiple employer welfare arrangements must maintain continuously a surplus equal to at least ten percent of the next twelve months projected incurred claims or two million dollars, whichever is greater. The commissioner may proceed against self-funded multiple employ…

A self-funded multiple employer welfare arrangement must establish and maintain contribution rates for participation under the arrangement that satisfy either of the following requirements:(1) Contribution rates must equal or exceed the sum of projected incurred claims for the ye…

(1) The commissioner shall grant or deny an application for a certificate of authority within one hundred eighty days of the date that a completed application, together with the items designated in RCW 48.125.050, is submitted to the commissioner.(2) The commissioner shall grant …

(1) A self-funded multiple employer welfare arrangement must comply with the reporting requirements of this section.(2) Every arrangement holding a certificate of authority from the commissioner must file its financial statements as required by this title and by the commissioner …

(1) The commissioner may impose sanctions against a self-funded multiple employer welfare arrangement that fails to comply with this chapter. The maximum fine may not exceed ten thousand dollars for each violation.(2) The commissioner may issue a notice of intent to revoke the ce…

A self-funded multiple employer welfare arrangement organized, operated, providing benefits, or maintained in this state without a certificate of authority is in violation of this title.[ 2004 c 260 s 13.]

Each policy issued by a self-funded multiple employer welfare arrangement must contain, in ten-point type on the front page and the declaration page, the following notice:"NOTICEThis policy is issued by a self-funded multiple employer welfare arrangement. A self-funded multiple e…

A self-funded multiple employer welfare arrangement is subject to RCW 48.43.300 through 48.43.370, the rehabilitation provisions under chapter 48.31 RCW, and chapter 48.99 RCW.[ 2004 c 260 s 15.]

(1) The commissioner may make an examination of the operations of any self-funded multiple employer welfare arrangement as often as he or she deems necessary in order to carry out the purposes of this chapter.(2) Every self-funded multiple employer welfare arrangement shall submi…

This chapter does not apply to:(1) Single employer entities;(2) Taft-Hartley plans; or(3) Self-funded multiple employer welfare arrangements that do not provide coverage for health care services.[ 2004 c 260 s 17.]

Participant contributions used to determine the taxable amounts in this state under RCW 48.14.0201 shall be determined in the same manner as premiums taxable in this state are determined under RCW 48.14.090.[ 2004 c 260 s 18.]

(1) Each self-funded multiple employer welfare arrangement established, operated, providing benefits, or maintained in this state after December 31, 2006, that provides coverage for hospital or medical expenses shall provide coverage for prostate cancer screening, provided that t…

This act is necessary for the immediate preservation of the public peace, health, or safety, or support of the state government and its existing public institutions, and takes effect immediately [March 31, 2004].[ 2004 c 260 s 29.]

Under the terms and conditions of this chapter, the state of Washington seeks to join with other states and establish the interstate insurance product regulation compact and thus become a member of the interstate insurance product regulation commission. The insurance commissioner…

The definitions in this section apply throughout this chapter unless the context clearly requires otherwise.(1) "Advertisement" means any material designed to create public interest in a product, or induce the public to purchase, increase, modify, reinstate, borrow on, surrender,…

(1) The compacting states hereby create and establish a joint public agency known as the interstate insurance product regulation commission. Under RCW 48.130.030, the commission will have the power to develop uniform standards for product lines, receive and provide prompt review …

The commission shall have the following powers:(1) To adopt rules, under RCW 48.130.060, which shall have the force and effect of law and shall be binding in the compacting states to the extent and in the manner provided in the compact;(2) To exercise its rule-making authority an…

(1)(a) Each compacting state shall have and be limited to one member. Each member shall be qualified to serve in that capacity pursuant to applicable law of the compacting state. Any member may be removed or suspended from office as provided by the law of the state from which he …

(1) The commission shall meet and take such actions as are consistent with the provisions of the compact and the bylaws.(2) Each member of the commission shall have the right and power to cast a vote to which that compacting state is entitled and to participate in the business an…

(1) The commission shall adopt reasonable rules, including uniform standards, and operating procedures in order to effectively and efficiently achieve the purposes of the compact. In the event the commission exercises its rule-making authority in a manner that is beyond the scope…

(1) The commission shall adopt rules establishing conditions and procedures for public inspection and copying of its information and official records, except such information and records involving the privacy of individuals and insurers' trade secrets. The commission may adopt ad…