New York Laws
Article 176 - Insurance Fraud
176.00 - Insurance Fraud; Definition of Terms.

(a) loss of or damage to real property used predominantly for
residential purposes and which consists of not more than four dwelling
units, other than hotels, motels and rooming houses;
(b) loss of or damage to personal property which is not used in the
conduct of a business;
(c) losses or liabilities arising out of the ownership, operation, or
use of a motor vehicle, predominantly used for non-business purposes;
(d) other liabilities for loss of, damage to, or injury to persons or
property, not arising from the conduct of a business;
(e) death, including death by personal injury, or the continuation of
life, or personal injury by accident, or sickness, disease or ailment,
excluding insurance providing disability benefits pursuant to article
nine of the workers' compensation law.
A policy of insurance which insures any of the contingencies listed in
paragraphs (a) through (e) of this subdivision as well as other
contingencies shall be personal insurance if that portion of the annual
premium attributable to the listed contingencies exceeds that portion
attributable to other contingencies.
5. "Commercial insurance" means insurance other than personal
insurance, and shall also include insurance providing disability
benefits pursuant to article nine of the workers' compensation law,
insurance providing workers' compensation benefits pursuant to the
provisions of the workers' compensation law and any program of self
insurance providing similar benefits.