Assembly Bill A6867B

2023-2024 Legislative Session

Prohibits restrictions on insurance policies based solely on the policyholder harboring or owning any dog of a specific breed or mixture of breeds

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Sponsored By

Current Bill Status Via S7416 - On Floor Calendar

  • Introduced
    • In Committee Assembly
    • In Committee Senate
    • On Floor Calendar Assembly
    • On Floor Calendar Senate
    • Passed Assembly
    • Passed Senate
  • Delivered to Governor
  • Signed By Governor

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Bill Amendments

co-Sponsors

2023-A6867 - Details

See Senate Version of this Bill:
S7416
Law Section:
Insurance Law
Laws Affected:
Amd §3421, Ins L

2023-A6867 - Summary

Prohibits restrictions on insurance policies based solely on the policyholder harboring or owning any dog of a specific breed or mixture of breeds.

2023-A6867 - Bill Text download pdf 

                             
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                   6867
 
                        2023-2024 Regular Sessions
 
                           I N  A S S E M B L Y
 
                                May 8, 2023
                                ___________
 
 Introduced  by  M.  of  A. L. ROSENTHAL -- read once and referred to the
   Committee on Insurance
 
 AN ACT to amend the insurance law, in relation  to  prohibiting  certain
   restrictions  as  it  relates  to  dog  breed;  and  to repeal certain
   provisions of such law relating thereto

   THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND  ASSEM-
 BLY, DO ENACT AS FOLLOWS:
 
   Section  1.  Section  3421  of the insurance law is REPEALED and a new
 section 3421 is added to read as follows:
   § 3421. DOGS; COVERAGE REFUSAL. (A) AN INSURER THAT ISSUES OR DELIVERS
 A POLICY IN THIS STATE SHALL NOT CANCEL,  REFUSE  TO  ISSUE,  REFUSE  TO
 RENEW,  OR INCREASE THE PREMIUM OF A POLICY OR EXCLUDE, LIMIT, RESTRICT,
 OR REDUCE COVERAGE UNDER SUCH POLICY  BASED  SOLELY  UPON  HARBORING  OR
 OWNING ANY DOG OF A SPECIFIC BREED OR MIXTURE OF BREEDS.
   (B)  THE PROVISIONS OF THIS SECTION SHALL NOT PROHIBIT AN INSURER FROM
 REFUSING TO ISSUE OR RENEW OR FROM CANCELING ANY SUCH CONTRACT OR  POLI-
 CY,  NOR FROM IMPOSING A REASONABLY INCREASED PREMIUM OR RATE FOR SUCH A
 POLICY OR CONTRACT BASED UPON THE DESIGNATION OF A DOG OF ANY  BREED  OR
 MIXTURE  OF  BREEDS  AS  A DANGEROUS DOG PURSUANT TO SECTION ONE HUNDRED
 TWENTY-THREE OF THE AGRICULTURE AND MARKETS LAW, BASED ON  SOUND  UNDER-
 WRITING  AND ACTUARIAL PRINCIPLES REASONABLY RELATED TO ACTUAL OR ANTIC-
 IPATED LOSS EXPERIENCE SUBJECT TO THE APPLICABLE PROVISIONS  OF  SECTION
 THREE THOUSAND FOUR HUNDRED TWENTY-FIVE OF THIS ARTICLE.
   (C)  THIS  SECTION SHALL APPLY TO POLICIES OF INSURANCE IF THE INSURED
 OR PROPOSED INSURED IS AN INDIVIDUAL.
   § 2. This act shall take effect on the ninetieth day  after  it  shall
 have become a law and shall apply to all policies issued, renewed, modi-
 fied, altered or amended on or after such effective date.
 
 
  EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                       [ ] is old law to be omitted.
                                                            LBD10473-01-3

co-Sponsors

2023-A6867A - Details

See Senate Version of this Bill:
S7416
Law Section:
Insurance Law
Laws Affected:
Amd §3421, Ins L

2023-A6867A - Summary

Prohibits restrictions on insurance policies based solely on the policyholder harboring or owning any dog of a specific breed or mixture of breeds.

2023-A6867A - Bill Text download pdf 

                             
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                  6867--A
 
                        2023-2024 Regular Sessions
 
                           I N  A S S E M B L Y
 
                                May 8, 2023
                                ___________
 
 Introduced  by  M.  of  A. L. ROSENTHAL, LUNSFORD, JACOBSON, SHRESTHA --
   read once and referred to the  Committee  on  Insurance  --  committee
   discharged, bill amended, ordered reprinted as amended and recommitted
   to said committee
 
 AN  ACT  to  amend the insurance law, in relation to prohibiting certain
   restrictions as it  relates  to  dog  breed;  and  to  repeal  certain
   provisions of such law relating thereto
 
   THE  PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM-
 BLY, DO ENACT AS FOLLOWS:
 
   Section 1. Section 3421 of the insurance law is  REPEALED  and  a  new
 section 3421 is added to read as follows:
   § 3421. DOGS; COVERAGE REFUSAL. (A) AN INSURER THAT ISSUES OR DELIVERS
 A  POLICY  IN  THIS  STATE  SHALL NOT CANCEL, REFUSE TO ISSUE, REFUSE TO
 RENEW, OR INCREASE THE PREMIUM OF A POLICY OR EXCLUDE, LIMIT,  RESTRICT,
 OR  REDUCE COVERAGE UNDER SUCH POLICY BASED UPON HARBORING OR OWNING ANY
 DOG OF A SPECIFIC BREED OR MIXTURE OF BREEDS.
   (B) THE PROVISIONS OF THIS SECTION SHALL NOT PROHIBIT AN INSURER  FROM
 REFUSING  TO ISSUE OR RENEW OR FROM CANCELING ANY SUCH CONTRACT OR POLI-
 CY, NOR FROM IMPOSING A REASONABLY INCREASED PREMIUM OR RATE FOR SUCH  A
 POLICY  OR  CONTRACT BASED UPON THE DESIGNATION OF A DOG OF ANY BREED OR
 MIXTURE OF BREEDS AS A DANGEROUS DOG PURSUANT  TO  SECTION  ONE  HUNDRED
 TWENTY-THREE  OF  THE AGRICULTURE AND MARKETS LAW, BASED ON SOUND UNDER-
 WRITING AND ACTUARIAL PRINCIPLES REASONABLY RELATED TO ACTUAL OR  ANTIC-
 IPATED  LOSS  EXPERIENCE SUBJECT TO THE APPLICABLE PROVISIONS OF SECTION
 THREE THOUSAND FOUR HUNDRED TWENTY-FIVE OF THIS ARTICLE.
   (C) THIS SECTION SHALL APPLY TO POLICIES OF INSURANCE IF  THE  INSURED
 OR PROPOSED INSURED IS AN INDIVIDUAL OR INDIVIDUALS.
   §  2.  This  act shall take effect on the ninetieth day after it shall
 have become a law and shall apply to all policies issued, renewed, modi-
 fied, altered or amended on or after such effective date.
 
  EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                       [ ] is old law to be omitted.
                                                            LBD10473-02-3

co-Sponsors

2023-A6867B (ACTIVE) - Details

See Senate Version of this Bill:
S7416
Law Section:
Insurance Law
Laws Affected:
Amd §3421, Ins L

2023-A6867B (ACTIVE) - Summary

Prohibits restrictions on insurance policies based solely on the policyholder harboring or owning any dog of a specific breed or mixture of breeds.

2023-A6867B (ACTIVE) - Bill Text download pdf 

                             
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                  6867--B
 
                        2023-2024 Regular Sessions
 
                           I N  A S S E M B L Y
 
                                May 8, 2023
                                ___________
 
 Introduced  by  M.  of  A.  L. ROSENTHAL,  LUNSFORD, JACOBSON, SHRESTHA,
   GLICK, EPSTEIN, DAVILA, REYES, BORES -- read once and referred to  the
   Committee  on Insurance -- committee discharged, bill amended, ordered
   reprinted as amended and recommitted to said committee --  recommitted
   to the Committee on Insurance in accordance with Assembly Rule 3, sec.
   2  -- committee discharged, bill amended, ordered reprinted as amended
   and recommitted to said committee
 
 AN ACT to amend the insurance law, in relation  to  prohibiting  certain
   restrictions as it relates to dog breed
 
   THE  PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM-
 BLY, DO ENACT AS FOLLOWS:
 
   Section 1.  The section heading and subsection 1 of  section  3421  of
 the  insurance  law,  the section heading as added by chapter 545 of the
 laws of 2021 and subsection 1 as amended by chapter 679 of the  laws  of
 2022, are amended to read as follows:
   Homeowners' liability insurance AND RENTERS' INSURANCE; dogs.  1. With
 respect  to  homeowners'  insurance  policies  as defined in section two
 thousand three hundred fifty-one of this chapter AND RENTERS'  INSURANCE
 POLICIES AS DEFINED IN SECTION THREE THOUSAND FOUR HUNDRED FIFTY-FOUR OF
 THIS  CHAPTER,  no  insurer  shall  refuse to issue or renew, cancel, or
 charge or impose an  increased  premium  or  rate  for  such  policy  or
 contract,  or  exclude,  limit,  restrict, or reduce coverage under such
 policy or contract based solely upon harboring or owning any  dog  of  a
 specific breed or mixture of breeds.
   §  2.  This  act shall take effect on the ninetieth day after it shall
 have become a law and shall apply to all policies issued, renewed, modi-
 fied, altered or amended on or after such effective date.
 
 
  EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                       [ ] is old law to be omitted.
                                                            LBD10473-04-4

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