PIANY is actively tracking key legislation in the 2025-26 session that could impact the insurance industry. Below is a roundup of the bills we’re watching, grouped by PIANY priorities, and other important industry-related legislation. Click on each bill to read more in-depth analysis. A comprehensive list of bills also can be found here.
PIANY priority bills
These bills are at the top of PIANY’s advocacy agenda for this session:
A.112/S.4157—repeal of anti-arson applications. These bills would eliminate the requirement for anti-arson applications under Insurance Law Section 3403, reducing administrative burdens for insurers and policyholders. Read more here.
A.425/S.771—expansion of the Coastal Market Assistance Program. More property owners in coastal areas would qualify for this program, increasing access to insurance in high-risk regions. Read more here.
A.2056/S.2670—flood insurance limit adjustments. This measure would address flood insurance limits to better reflect current market needs and climate risks.
A.2189—increased minimum auto insurance coverage. This bill would raise the state’s minimum auto insurance requirements—potentially impacting policy costs and consumer protection.
A.3800—criminalizing staged construction accidents. This bill would combat fraudulent construction accident claims by establishing new criminal penalties.
S.1104/A.3225—consumer litigation funding regulations. These bills would regulate third-party litigation funding agreements to ensure transparency and fairness.
S.2528/A.4083—liability insurance for e-bicycles and e-scooters. These bills would require liability insurance for bicycles, e-bikes, and e-scooters in New York City. Read more here.
A.350/S.2386—liability insurance for e-bicycles and e-scooters. Read more here.
Beyond our top priorities, PIANY is monitoring several other bills that could impact the insurance industry significantly, including the following:
Insurance regulation & consumer protections
A.913/S.804—data breach notification requirements. In the event of a data breach, these bills would update how insurers must notify the New York State Department of Financial Services.
A.3367—self-submission of vehicle photos for insurance. This bill would allow drivers to submit their own vehicle photos instead of requiring in-person inspections.
S.5310—An act to amend the Insurance Law, in relation to permitting a waiver of the diligent-effort requirement in limited circumstances for certain insurance coverage placed by licensed excess-line brokers with unauthorized insurers.
Why it matters: This bill, if passed, would streamline the placement of commercial insurance in the excess-line market by removing an unnecessary regulatory step. It would waive the diligent-effort requirement when a retail broker places coverage through an unaffiliated wholesale excess-line broker, reducing administrative burdens and allowing brokers to serve clients more efficiently.
S.3352/A.114—electronic insurance notices. These bills would expand the use of electronic communications for insurance-related notifications.
Auto insurance & fraud prevention
A.1800—auto insurance protections for seniors. This bill would prohibit insurers from increasing premiums based solely on age for policyholders 60 and older.
A.3321—New York Auto Insurance Fraud & Premium Reduction Act. This bill would introduce measures to reduce fraud and lower insurance costs.
A.3690 & A.3785—combatting insurance fraud & auto theft. These bills would strengthen fraud investigations and enforcement mechanisms.
S.3776—auto insurance protections during disputes. This bill would prevent insurers from canceling or refusing to renew policies due to ongoing claim disputes.
S.5321—An act to amend the Insurance Law, in relation to the hiring of consultants—This bill, if passed, would allow the DFS to hire consultants to assist in reviewing insurer rate and form filings.
Why it matters: By expanding DFS’s ability to process filings more efficiently, the bill would help bring new insurance products and pricing to market faster—benefiting both insurers and consumers. It would ensure that regulatory delays do not hinder innovation while maintaining strong oversight of the industry. Insurers would cover the cost of hiring consultants, not taxpayers.
Property & construction insurance
A.1753—Residential Fire Prevention Act of 2025. This bill would introduce new fire prevention measures to improve home safety.
A.3817—Construction Insurance Notification Act. This bill would establish new notification requirements for construction insurance policies.
Disaster & flood insurance
A.3793—private flood insurance study. This bill would direct the DFS to assess private flood insurance availability and effectiveness.
S.2069—insurance liaison for disaster preparedness. This bill would create an insurance liaison position within the state’s disaster response commission.
Other notable legislation
A.1823/S.139—insurance requirements for food delivery services. These bills would mandate coverage for third-party food delivery drivers.
A.2245/S.2130—Small Contractor Relief Act. These bills would aim to support small-business contractors with insurance and financial relief measures.
S.364/A.893—insurance protections for dog owners. These bills would prohibit insurers from denying coverage solely based on a dog’s breed.
S.5320—An act to amend the Workers’ Compensation Law, in relation to directing the New York State Insurance Fund to compensate licensed insurance producers for the services provided to clients who obtain coverage through the fund.
Why it matters: This bill would ensure that insurance brokers receive fair compensation for placing workers’ compensation policies through the New York State Insurance Fund. Currently, brokers provide essential services to businesses without commission when using NYSIF, unlike in the private market. This bill would align NYSIF’s practices with other state-backed insurance programs, creating a fairer system for brokers and their clients.
S.5327—An act to amend the Workers’ Compensation Law, in relation to the requirement for policyholders to provide 30-day notice to withdraw from the New York State Insurance Fund.
Why it matters: This bill would eliminate the 30-day notice requirement for employers withdrawing from the New York State Insurance Fund when they secure new workers’ compensation coverage. By allowing immediate cancellation upon proof of new insurance, the bill would streamline the transition process, reduce administrative burdens, and prevent unnecessary overlap or gaps in coverage, giving businesses greater flexibility in managing their insurance needs.
A.4865—An act to amend the general business law, in relation to requiring fire insurance for any building in which bicycles with electric assist are repaired, sold, rented or stored for repair, sale or rental.
Why it matters: This bill, if passed, would reduce fire risks associated with e-bike batteries, which have been linked to severe fires in New York state. It would impose insurance obligations on property owners to ensure safety in buildings where e-bikes are handled. Read more here.
Stay updated
PIANY will continue to monitor these bills and advocate on behalf of insurance professionals. Click the links above to read our in-depth analysis on each bill and stay tuned for legislative updates!
Get involved
If you want to get involved with PIANY’s legislative and advocacy work, there are many ways to engage with the association:
- Participate in PIANY’s District Office Visit Program;
- Become a member of Agents Advocacy Coalition; and
- Watch your PIA Northeast publications and PIA Northeast’s social-media channels for important New York updates, and share them with your followers.
Bradford J. Lachut, Esq.
Bradford J. Lachut, Esq., joined PIA as government affairs counsel for the Government & Industry Affairs Department in 2012 and then, after a four-month leave, he returned to the association in 2018 as director of government & industry affairs responsible for all legal, government relations and insurance industry liaison programs for the five state associations. Prior to PIA, Brad worked as an attorney for Steven J. Baum PC, in Amherst, and as an associate attorney for the law office of James Morris in Buffalo. He also spent time serving as senior manager of government affairs as the Buffalo Niagara Partnership, a chamber of commerce serving the Buffalo, N.Y., region, his hometown. He received his juris doctorate from Buffalo Law School and his Bachelor of Science degree in Government and Politics from Utica College, Utica, N.Y. Brad is an active Mason and Shriner.
