New York S 5267: Prohibits property/casualty insurers from discrimination

Bill Text

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S05267 Summary:

BILL NOS05267 

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SAME ASNo Same As

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SPONSORBAILEY

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COSPNSR

&nbsp

MLTSPNSR

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Amd §2606, Ins L

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Prohibits property/casualty insurers from discriminating based on race, color, creed, national origin, disability, age, marital status, sex, sexual orientation, education background or educational level attained, employment status or occupation, income level, consumer credit information or score, ownership or interest in real property, location, type of residence, including but not limited to single-family home, multi-family home, apartment, housing subsidized by state and/or federal programs, or any other residence type, or any indication of a consumer's price elasticity of demand.

Go to top S05267 Actions:

BILL NOS05267 

&nbsp

02/20/2025REFERRED TO INSURANCE

01/07/2026REFERRED TO INSURANCE

Go to topS05267 Committee&nbspVotes:

Go to topS05267 Floor&nbspVotes:

There are no Assembly votes for this bill in this legislative session.

Go to topS05267 Text:

 STATE OF NEW YORK
 ________________________________________________________________________

 5267

 2025-2026 Regular Sessions

 IN SENATE

 February 20, 2025
 ___________

 Introduced by Sen. BAILEY -- read twice and ordered printed, and when
 printed to be committed to the Committee on Insurance

 AN ACT to amend the insurance law, in relation to discrimination

 The People of the State of New York, represented in Senate and Assem-
 bly, do enact as follows:

 1 Section 1. The section heading and subsections (a) and (b) of section
 2 2606 of the insurance law, as amended by chapter 159 of the laws of
 3 1993, are amended and a new subsection (g) is added to read as follows:
 4 Discrimination [because of race, color, creed, national origin, or
 5 disability]; prohibited. (a) Except as provided in section one thousand
 6 one hundred eight of this chapter, no individual or entity subject to
 7 the supervision of the superintendent shall because of race, color,
 8 creed, national origin, [or] disability, age, marital status, sex, sexu-
 9 al orientation, education background or educational level attained,
 10 employment status or occupation, income level, consumer credit informa-
 11 tion or score, ownership or interest in real property, location, type of
 12 residence, including but not limited to single-family home, multi-family
 13 home, apartment, housing subsidized by state and/or federal programs, or
 14 any other residence type, or any indication of a consumer's price elas-
 15 ticity of demand:
 16 (1) Make any distinction or discrimination between persons as to the
 17 premiums or rates charged for insurance policies or in any other manner
 18 whatever.
 19 (2) Demand or require a greater premium from any persons than it
 20 requires at that time from others in similar cases.
 21 (3) Make or require any rebate, discrimination or discount upon the
 22 amount to be paid or the service to be rendered on any policy.
 23 (4) Insert in the policy any condition, or make any stipulation,
 24 whereby the insured binds themselves, or their heirs, executors, admin-
 25 istrators or assigns, to accept any sum or service less than the full
 26 value or amount of such policy in case of a claim thereon except such

 EXPLANATION--Matter in italics (underscored) is new; matter in brackets
 [ ] is old law to be omitted.
 LBD10014-01-5

 S. 5267 2

 1 conditions and stipulations as are imposed upon others in similar cases;
 2 and any such stipulation or condition so made or inserted shall be void.
 3 (b) Except as provided in section one thousand one hundred eight of
 4 this chapter, no individual or entity subject to the superintendent's
 5 supervision shall solely because of the applicant's race, color, creed,
 6 national origin, [or] disability, age, marital status, sex, sexual
 7 orientation, education background or educational level attained, employ-
 8 ment status or occupation, income level, consumer credit information or
 9 score, ownership or interest in real property, location, type of resi-
 10 dence, including but not limited to single-family home, multi-family
 11 home, apartment, housing subsidized by state and/or federal programs, or
 12 any other residence type, or any indication of a consumer's price elas-
 13 ticity of demand:
 14 (1) Reject any application