(b) This section shall apply to policies of insurance if the insured
or proposed insured is:
(1) an individual;
(2) a business entity that is independently owned and operated and
employs one hundred or fewer individuals;
(3) a religious organization;
(4) an educational organization; or
(5) any other nonprofit organization that is organized and operated
for religious, charitable or educational purposes.
(c) 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 solely on the basis that one or more claims have been made
against any policy during the preceding sixty months for a loss that is
the result of a hate crime, as defined pursuant to article four hundred
eighty-five of the penal law, committed against the person or property
insured if the named insured provides evidence to the insurer that the
act causing such loss is a result of a hate crime and that an insured
was not the perpetrator of the hate crime.
(d) Nothing in this section shall prohibit an insurer from canceling,
refusing to renew, increasing the premium of an insurance policy or
excluding, limiting, restricting, or reducing coverage under such policy
due to other factors that are permitted by any other section of this
chapter, including the factors set forth in section two thousand three
hundred three of this chapter.
Structure New York Laws
Article 34 - Insurance Contracts-Property/casualty
3401 - Insurable Interest in Property.
3402 - Executory Contract Not a Change in Interest, Title or Possession.
3403 - Anti-Arson Application.
3404 - Fire Insurance Contracts; Standard Policy Provisions; Permissible Variations.
3405 - Fire Insurance Contract; Losses From Nuclear Reaction or Radiation.
3406 - Copy of Examination of Insured to Be Delivered to Insured.
3407 - Property Insurance; Proofs of Loss; Notice of Loss.
3407-A - Property/casualty Insurance Contract and Policy Standard Provisions.
3408 - Fire Insurance; Appraisal of Loss; Procedure for Selection of Umpire on Failure to Agree.
3409 - Distribution of Hazardous Material Report Forms.
3410 - Fire Insurance Contract; Payment of Liens on Proceeds; Certain Cases.
3413 - Standard Claim Forms for Fire Losses.
3420 - Liability Insurance; Standard Provisions; Right of Injured Person.
3421 - Homeowners' Liability Insurance; Dogs.
3422 - Hate Crimes; Coverage Refusal.
3426 - Commercial Lines Insurance; Cancellation and Renewal Provisions.
3427 - Gap Insurance; Cancellation, Renewal and Other Provisions.
3428 - Cancellation of Insurance Contracts; Return Premiums; Financed Insurance Premiums.
3432 - Immunity; Reports to Certain Public Officials and to Designated Organizations.
3435 - Group Property/casualty Insurance.
3436 - Medical Malpractice Insurance; Type of Coverage.
3436*2 - Group Credit Unemployment Insurance and Individual Credit Unemployment Insurance.
3436-A - Adverse Action Against Legal Reproductive Health Care.
3439 - Reinsurance Contracts Excepted.
3440 - Insurance Covering Private Passenger Motor Vehicles; Rental Vehicle Coverage.
3442 - Credit Card, Debit Card, or Checking Account Group Policies.
3443 - Workers' Compensation and Employers' Liability Insurance; Optional Policyholder Deductibles.
3444 - Flood Insurance Notice.
3445 - Windstorm Insurance Notice.
3446 - Product or System Group Insurance Policies.
3447 - Qualification of Environmental Remediation Insurance for Tax Credit.
3448 - Involuntary Unemployment Insurance Policies.
3449 - Wireless Communications Equipment Insurance Policies.
3450 - Insurance for Expenses Incurred as a Result of an Act or Threatened Act of Violence.
3451 - Identity Theft Group Insurance Policies.
3452 - Group Property Travel Insurance Policies.
3453 - Group Policy for Service Providers Listed in a Commercial Directory.
3453*2 - Self-Service Storage Company Group Insurance Policies.
3453*3 - Employer Sponsored Group Personal Excess Insurance.
3454 - Sponsored Group Personal Insurance.
3455 - Transportation Network Company Group Insurance Policies.
3457 - Group Insurance Policies for Certain for Hire Motor Vehicles.
3458 - Electronic Notices and Documents.
3458*2 - Group Insurance for Peer-to-Peer Car Sharing Programs.
3459 - Car Share Exclusions for Motor Vehicle Insurance Policies.