§9674 Purchasing Groups

Summary

Lets purchasing groups ignore many state rules that would stop them from forming or buying group insurance. A purchasing group that buys pollution liability or comprehensive general liability insurance does not have to follow state laws that ban groups, stop insurers from giving group-based rate or coverage advantages, forbid buying on a group basis, demand a minimum time of existence or membership, require a minimum number or common ownership, force a certain percent of members to buy coverage, require in‑state countersigning of policies, or otherwise treat these groups unfairly. These exemptions apply to pollution liability and related general liability coverage, and to the sale of those policies plus insurance-related and management services. A State can require agents or brokers for a purchasing group to be licensed, but it cannot impose rules that treat out‑of‑state agents worse than in‑state agents.