Missouri Revised Statutes
Chapter 379 - Insurance Other Than Life
Section 379.1812 - Loss and expense experience statistics — employee purchase of insurance not required — premium taxes, allocation of premiums.

Missouri Revised Statutes

Title XXIV - Business and Financial Institutions

Chapter 379 - Insurance Other Than Life

Section 379.005 - Definitions.

Section 379.125 - Reinsurance.

Section 379.130 - Insurance claims, percentage of fault not to be assigned based solely on operation of a motorcycle.

Section 379.140 - Total loss of real property — full amount of policy less any deductible to be paid — inapplicability, when — multiple policies, effect on recovery — commercial buildings, policy covering two or more, recovery amount.

Section 379.150 - Partial loss by fire — standard fire insurance policy language, option for settlement of loss.

Section 379.155 - Coinsurance provisions declared void — exception.

Section 379.160 - Form of policy to be filed — coinsurance clause.

Section 379.165 - Construction of warranties of fact made in application.

Section 379.170 - Construction of warranties of fact incorporated in policy.

Section 379.175 - Evasion of sections prohibited.

Section 379.180 - Adjustments and examination of books to be made at place of loss.

Section 379.185 - After notice of loss, company to furnish blanks.

Section 379.190 - Failure to furnish blank forms deemed waiver.

Section 379.195 - Accident insurance liability fixed, when — cancellation prohibited.

Section 379.200 - Judgment creditor may collect insurance, when.

Section 379.201 - Motor vehicle policies to include coverage of owner and vehicle loaned for demonstration or during repairs.

Section 379.203 - Automobile liability policy, required provisions — uninsured motorist coverage required — recovery against tort-feasor, how limited.

Section 379.204 - Underinsured motor vehicle coverage, construction of policy.

Section 379.010 - Number of incorporators required — classes of insurance — capital and surplus requirements, phase-in.

Section 379.011 - Documents required for insurance transactions or proof of coverage by electronic means permitted, when, requirements — inapplicability — withdrawal of consent, no additional fees for paper records — discounts.

Section 379.012 - Insurance forms and endorsements may be available on insurer's website, when, requirements — rulemaking authority.

Section 379.017 - Combined risk policies authorized — single premium may be lower than aggregate coverage rates.

Section 379.025 - Plans for formation of companies — name — prohibitions.

Section 379.030 - Declaration preliminary to organizing.

Section 379.035 - Articles of incorporation for stock companies.

Section 379.040 - Declaration, approval, filing — certificate of incorporation — subscription of stock.

Section 379.050 - Examination and certification of stocks, by whom.

Section 379.055 - Director to give certificate — to be filed — evidence.

Section 379.060 - Charter of mutual companies.

Section 379.065 - Organization of corporation — procedure — fee.

Section 379.070 - Director to examine subscriptions, policyholders' surplus.

Section 379.075 - Authority to commence business, when, how issued.

Section 379.080 - Capital and surplus of stock or mutual company, investments authorized — violation, penalty.

Section 379.082 - Property and liability companies, assets — requirements, standards.

Section 379.083 - Insurer investment in investment pools permitted, when — limitations — custodial and pooling agreements.

Section 379.085 - Mutual companies doing fire and marine business, agreements and securities — violation, penalty.

Section 379.090 - Premium notes, how payable.

Section 379.095 - Assessment of premium notes.

Section 379.098 - Securities to be deposited by all companies, kind and amount.

Section 379.100 - Director to receive deposits.

Section 379.102 - Unearned premium and loss reserves, maintained as liabilities.

Section 379.105 - Annual reports — contents.

Section 379.108 - Form of certificate to be filed with director — definitions — contents — standard forms — false or misleading information prohibited — applicability — fee — violations, effect of — rulemaking authority.

Section 379.110 - Definitions.

Section 379.112 - Provisions of policy covered.

Section 379.114 - Reasons for cancellation.

Section 379.116 - Refusal to insure or exclusion of named persons, when.

Section 379.118 - Notice of cancellation and renewals, due when — reinstatement, when — exemption, when.

Section 379.120 - Explanation of refusal to write a policy, how given, contents — exemption, when.

Section 379.121 - Definitions.

Section 379.122 - Refusal to issue policy based on the lack of prior motor vehicle coverage prohibited, when — military member protections, notification required.

Section 379.123 - Violation deemed unfair trade practice.

Section 379.205 - Mutual companies other than life and fire insurance.

Section 379.210 - Articles of incorporation shall specify what.

Section 379.215 - Name must contain the word "mutual".

Section 379.220 - Submitted to director — proof of publication — certificate may be issued — amendment of articles.

Section 379.225 - Company to have legal existence from date of certificate — insurance in force, when.

Section 379.230 - Contracts of insurance and reinsurance.

Section 379.235 - License required — conditions to be complied with.

Section 379.240 - Who may hold policies.

Section 379.245 - Voting power of members.

Section 379.250 - Premiums.

Section 379.255 - Assets, how invested.

Section 379.257 - Deposit of securities required of mutual companies other than life and fire.

Section 379.260 - Reserves.

Section 379.263 - Mutual companies other than life and fire to file statement of affairs, when.

Section 379.265 - Assessments to meet reserve deficiencies.

Section 379.270 - Director may advance money.

Section 379.275 - Policies need not be countersigned — conditions.

Section 379.290 - Tax to be paid upon premiums.

Section 379.295 - Returns and assessment to be made by director — collection and disposition of tax by the director of revenue.

Section 379.300 - Failure to make return — director to proceed.

Section 379.316 - Scope of act (section 379.017 and sections 379.316 to 379.361).

Section 379.318 - Rates, how made.

Section 379.321 - Rating plans to be filed with director, when — informational filings.

Section 379.323 - Rating organization defined — license, application for, contents — subscribers, how treated.

Section 379.326 - Deviation, how filed, effective when — open to public inspection.

Section 379.328 - Advisory organization defined — required filings — hearings on activities, discontinuance orders.

Section 379.331 - Joint underwriting regulated — hearings, discontinuance order, when.

Section 379.333 - Insurers may act in concert to make rates.

Section 379.336 - Insurers with common management may act in concert to make rates.

Section 379.338 - Agreement to adhere prohibited, exception.

Section 379.341 - Exchange of information approved.

Section 379.343 - Examinations by director, when, how conducted, cost how paid.

Section 379.346 - Examination, purpose of — hearing — order.

Section 379.348 - Review of rate, rating plan or system, how obtained.

Section 379.351 - Approval by director of rules and plans, when — exchange of information with director — director may make rules and regulations.

Section 379.353 - Withholding of information or giving false or misleading information prohibited, penalty.

Section 379.356 - Excessive premiums and rebates prohibited.

Section 379.359 - Commissions paid to brokers or agents not affected.

Section 379.361 - Violations, penalties.

Section 379.402 - Property and casualty insurance, free or discounted products or services permitted, when — rulemaking authority.

Section 379.404 - Commercial property and casualty insurance — rebates, discounts, gifts prohibitions not applicable, exception to exclusion.

Section 379.420 - Citation of law.

Section 379.425 - Law applicable to certain classes of insurance — exceptions.

Section 379.430 - Insurers may act in concert with respect to rates.

Section 379.435 - Rating organization defined.

Section 379.440 - Rating organization must be licensed — who may apply — content of application.

Section 379.445 - Requirements to obtain and retain license.

Section 379.450 - Director to grant or deny license.

Section 379.455 - Advisory organizations.

Section 379.460 - Joint underwriting groups.

Section 379.465 - Exchange of information — agreement to rates.

Section 379.470 - Provisions governing rates.

Section 379.475 - Director to examine — powers — cost — director may accept examination by other state.

Section 379.480 - Purpose of examination — hearing — orders.

Section 379.485 - Penalties for failure to comply — powers of director.

Section 379.490 - May use rating plans or systems.

Section 379.495 - Payment of dividends not regulated.

Section 379.500 - Freedom of contract for fees not restricted.

Section 379.505 - Hearings on orders — notice — rules of pleading and evidence — review — effective date of order.

Section 379.510 - Penalty for violation of orders.

Section 379.515 - May reorganize and extend corporate existence.

Section 379.520 - Content of articles of association.

Section 379.525 - Additional requirements for articles of association.

Section 379.530 - Special meeting to be called — notice.

Section 379.535 - Propositions for reorganization and extension of corporate existence to be voted on.

Section 379.540 - Articles to be acknowledged and declaration of proceeding to be made.

Section 379.545 - Duty of director.

Section 379.550 - Board to accept certificate — file with secretary of state — fee — new board — notify director.

Section 379.555 - Examination of company and certificate to do business.

Section 379.560 - Value of equitable interests of nonassenting stockholders or policyholders to be paid to them.

Section 379.565 - Suit in circuit court to determine value.

Section 379.570 - Publication of notice — proceedings.

Section 379.575 - Who may appear — proceedings, how governed.

Section 379.580 - Costs — by whom paid.

Section 379.585 - Company having special charter may accept general insurance laws.

Section 379.590 - Content of articles of association.

Section 379.595 - Additional requirements of articles of association.

Section 379.600 - Special meeting to be called — notice.

Section 379.605 - Proposition to surrender to be voted on.

Section 379.610 - Acknowledgment and declaration to be made.

Section 379.615 - Duty of director.

Section 379.620 - Acceptance by resolution of directors.

Section 379.625 - Certificate to do business.

Section 379.650 - Exchange of reciprocal or interinsurance contracts authorized — classes of insurance allowed.

Section 379.660 - Contracts to be executed through attorney in fact.

Section 379.670 - Application for license, contents — requirements.

Section 379.680 - Service of process on director — method.

Section 379.690 - Statement of condition and affairs may be required by director — restriction on liability of members.

Section 379.700 - Reserves required.

Section 379.710 - Surplus required — claim reserve fund — phase-in of requirements.

Section 379.720 - Deficiency how made up — net premium and deposit defined.

Section 379.730 - Annual statement of financial condition required.

Section 379.740 - Corporations generally empowered to become subscribers.

Section 379.750 - Certificate of authority from director required — license may be revoked or suspended — renewal.

Section 379.770 - Mergers or consolidation of reciprocal exchanges or interinsurers.

Section 379.780 - Exemption from other insurance laws except retaliatory law, and certain enumerated sections.

Section 379.790 - Penalty for acting without legal authority.

Section 379.800 - Sections 374.030 to 379.790 intended as a continuation of existing law.

Section 379.808 - Insurance policies on certain real property — beneficiary deemed insured, duration, others covered not affected, when.

Section 379.810 - Program established.

Section 379.815 - Definitions.

Section 379.820 - Inspections and reports.

Section 379.825 - Issuance of policy, when — appointment of liability assumed — expenses — limits on liability.

Section 379.827 - Sinkhole loss policies authorized.

Section 379.830 - Procedure after inspection and submission.

Section 379.835 - Joint reinsurance association.

Section 379.840 - Standard policy coverage and rating procedure.

Section 379.845 - Cancellation or nonrenewal.

Section 379.850 - Right of appeal.

Section 379.855 - Commissions.

Section 379.860 - Administration of program — governing committee, members, vacancies — immunity from liability, when.

Section 379.865 - Annual and special meetings.

Section 379.870 - Duties of the committee.

Section 379.875 - Statistics to be kept, reports.

Section 379.880 - Public education.

Section 379.882 - Definitions for sections 379.882 to 379.886.

Section 379.883 - Policy cancellation or nonrenewal requirement of sixty days prior to notification — notice content.

Section 379.884 - Policyholder's right to history of policy, when.

Section 379.885 - Proof of mailing notice of cancellation or nonrenewal.

Section 379.886 - Cancellation or nonrenewal of entire line or class of insurance requires ninety days' prior notice to director.

Section 379.888 - Definitions for sections 379.888 to 379.893 — notice to insured, when — department to notify insurers.

Section 379.889 - Rates not to be excessive, inadequate, or unfairly discriminatory — unfair discrimination defined.

Section 379.890 - Rates, rate plan or rate system filing, when — required actuarial data.

Section 379.893 - Rules and regulations on modification of rate base, authority of director — procedure.

Section 379.895 - Annual report by commercial casualty insurance companies — form — content of report — exceptions.

Section 379.901 - Prepaid service plan defined — agent soliciting memberships, disclosures.

Section 379.930 - Small employer health insurance availability act — definitions.

Section 379.932 - Applicability of act, conditions — treatment as single carrier or separate carrier — ceding agreements prohibited, when.

Section 379.934 - Establishment of class of business, reasons — number of classes that may be established — promulgation of rules for period of transition — establishment of additional classes.

Section 379.936 - Premium rates, subject to conditions — no transfer out of class of business — disclosure required, contents — rating and renewal records required to be kept.

Section 379.938 - Renewability, exceptions — carrier not renewing prohibited from writing new business in market, when — application of section in certain geographic areas.

Section 379.940 - Carriers to offer all health plans in market — health benefit plans, requirements — exclusion of coverage for certain employees.

Section 379.946 - Board report, contents, recommendations.

Section 379.948 - Certain law not to apply to basic health benefit plan.

Section 379.950 - Director to promulgate rules, procedure.

Section 379.952 - Carriers to market plan coverage — agent or broker, prohibited activities, exception — variance in compensation prohibited, exceptions — carriers, prohibited activities — denial of application, requirements — penalty — applicability...

Section 379.975 - Insurer to provide information, when.

Section 379.978 - Written disaster plan, insurer to develop, contents.

Section 379.980 - Reorganization of domestic mutual insurance company, authority.

Section 379.982 - Formation of holding company, application — shareholder approval — issuance of shares.

Section 379.985 - Member's interest — nontransference of membership — immunity from liability — assessments, not imposed — security, membership interest.

Section 379.987 - Nonapplicability of certain provisions of insurance holding companies law — incorporation of mutual holding company, authority, approval — powers of mutual holding company, engaging in business of insurance, no authority, affiliatio...

Section 379.988 - Mutual holding company subject to supervision of director, dissolution or liquidation — demutualization.

Section 379.1300 - Definitions.

Section 379.1302 - Licensure — prohibited acts — requirements for conducting business — application requirements.

Section 379.1304 - Adoption of a name, deceptive practice.

Section 379.1306 - Capital and surplus requirements.

Section 379.1308 - Approval for payment of dividends required.

Section 379.1310 - Incorporation as a stock insurer permitted, when.

Section 379.1312 - Reports required.

Section 379.1314 - Inspections, when.

Section 379.1316 - Suspension or revocation of licensure, when.

Section 379.1318 - Investment requirements, compliance with.

Section 379.1320 - Reinsurance may be provided, when.

Section 379.1322 - Rating organizations, company not required to join.

Section 379.1324 - Prohibitions on joining or contributing to certain entities and funds.

Section 379.1326 - Premium tax imposed, amount, procedure.

Section 379.1328 - Rulemaking authority.

Section 379.1330 - Inapplicability of insurance laws to captive insurance companies.

Section 379.1332 - Promotion of captive insurance, moneys from dedicated insurance fund to be used.

Section 379.1336 - Insurance reorganization, receivership and injunctions provisions — applicability to captive insurance companies.

Section 379.1338 - Standards for risk management of controlled unaffiliated business.

Section 379.1339 - Conversion to reciprocal insurer, when, procedure.

Section 379.1340 - Branch captive may be established, when.

Section 379.1342 - Trust fund required for branch captive insurance company.

Section 379.1344 - Certificate for branch captive insurance companies.

Section 379.1346 - Reports and statements of branch captive insurance companies to be filed with director.

Section 379.1348 - Examination of branch captive insurance companies, limitations.

Section 379.1350 - Applicability of tax to branch companies.

Section 379.1351 - Sponsored captive insurance companies, may be formed by whom — definitions — requirements.

Section 379.1353 - Definitions.

Section 379.1356 - Inapplicability of insurance laws.

Section 379.1359 - License application — requirements for transaction of business — licensure requirements — issuance of license, fee.

Section 379.1361 - Plan of operation to be filed, contents.

Section 379.1364 - License fee, amount.

Section 379.1367 - Approval of application, findings by director.

Section 379.1370 - Corporate status of company.

Section 379.1373 - Limitation on activities and name — number of incorporators required.

Section 379.1376 - Contract requirements.

Section 379.1379 - Swap agreements permitted.

Section 379.1382 - Issuance of securities — approved activities by director.

Section 379.1385 - Management of assets.

Section 379.1388 - Recognition of admitted assets — value of assets.

Section 379.1391 - Prohibited acts.

Section 379.1394 - Dividend-payments, limitations.

Section 379.1397 - Changes in plan of operation, directors approval required.

Section 379.1400 - Affiliated agreements to be filed with director.

Section 379.1403 - Audited financial report required, requirements.

Section 379.1406 - Examination required, when, procedure.

Section 379.1409 - Record-keeping requirements.

Section 379.1412 - Premium tax required, amount, procedure.

Section 379.1415 - Confidentiality of records, exceptions.

Section 379.1418 - Grounds for liquidation — granting of relief, management of assets.

Section 379.1421 - Rulemaking authority.

Section 379.1500 - Definitions.

Section 379.1505 - Vendor license required — application, fee — termination date.

Section 379.1510 - Authorization to sell, vendor responsibilities — eligibility and underwriting standards — supervising business entity to be appointed, purpose — training requirements — collection of charges.

Section 379.1515 - Insurance producers act, applicability of.

Section 379.1520 - Sanctioning of license, when — penalties, when.

Section 379.1525 - Vendor investigation and examination requirements.

Section 379.1530 - Premiums, received by insurer, when — proof of purchase, insurer may require.

Section 379.1535 - Violations, director's authority.

Section 379.1540 - Supervising business entity, sanctioning of license, when.

Section 379.1545 - Insurers, permissible acts.

Section 379.1550 - Rulemaking authority — effective date.

Section 379.1640 - Self-service storage--definitions--offer of insurance, requirements--prohibited acts--limitation on policy amount--rulemaking authority.

Section 379.1700 - Definitions.

Section 379.1702 - Primary automobile insurance to be maintained, requirements — lapsed coverage, effect of — proof of insurance required.

Section 379.1704 - Disclosure of insurance coverage, how made.

Section 379.1706 - Disclosure statement — display.

Section 379.1708 - Exclusions and limitations on coverage.

Section 379.1800 - Description of authorized group personal lines property and casualty insurance — requirements.

Section 379.1803 - Master policy issuance, certificates — content of master policy.

Section 379.1806 - Basic package of coverages and limits, additional coverages or limits — reduced coverage, when — coverage terminated, when — optional coverages or limits — stacking prohibited.

Section 379.1809 - Rating plan, master policy premium — rates not unfairly discriminatory, when — experience refunds or dividends, when.

Section 379.1812 - Loss and expense experience statistics — employee purchase of insurance not required — premium taxes, allocation of premiums.

Section 379.1815 - Licensure required for agent or broker of policies — exception for certain activities — countersignature requirements prohibited.

Section 379.1818 - Notice of termination, contents — conversion to individual policy, when — inapplicability.

Section 379.1821 - Licensure required for issuance of policies — inapplicability to mass marketing and certain policies — rulemaking authority.

Section 379.1824 - Effective date.