Weekly Dispatch: Feb. 12, 2026

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February 12, 2026

News

New study: Long-term wildfire smoke exposure attributed to 24,100 deaths annually

A new paper from the journal Science Advances found that from 2006-20, long-term exposure to wildfire smoke particulates contributed to an average of 24,100 deaths a year in the contiguous United States. Fine particulate matter from wildfire smoke poses serious health risks by penetrating deep into lungs and entering the bloodstream. Short-term effects include coughing and irritated eyes, but in the long term it exacerbates health issues like respiratory illness, cardiovascular and neurological diseases and premature death. As wildfire season expands due to climate change, it’s important for independent insurance agents to have discussions with their clients to help them protect their property in the increasing event of a wildfire.

N.H.: Newly introduced bill could change state vehicle registration system

New Hampshire’s auto insurance system is different from most states, utilizing a “financial responsibility system” that typically applies only after an accident has occurred. However, a new bill (H.B.1558) was introduced this 2026 legislative session: if passed, it would require proof of insurance or adequate financial responsibility for vehicle registration. This bill could change the shape of the state’s auto insurance system for independent agents and consumers.

N.Y.: New NYCIRB collaboration with state schools

The New York State Workers’ Compensation Board entered a new collaboration with the State University of New York and City University of New York school systems to encourage injured New Yorkers to apply for the schools’ Reconnect programs. These programs offer free associate degrees to New Yorkers aged 25-55 who do not already have a college degree: the programs cover the cost of tuition, books and supplies. New York state-based independent insurance agents can inform their business clients that NYCIRB is now offering this program.

Compliance

N.Y.: Cyber security compliance certification deadline April 15

Those individuals who hold a New York state insurance license—covered entities—including nonresident licensees, have until Wednesday, April 15, 2026, to certify their compliance with the requirements of New York state’s cyber security regulation (23 NYCRR 500) for calendar-year 2025. This filing requirement is for all licensees not covered by another covered entity’s information system. This certification, which is required annually, must be filed via the New York State Department of Financial Services’ web portal. Interested in learning how to navigate 23 NYCRR 500? PIA Northeast has written a series of articles on the topic.

Advocacy

N.J.: Priority step-down legislation introduced in state Senate

The New Jersey state Senate President Nicholas P. Scutari, D-22, has introduced S-3187 for the 2026-2027 legislative session. This bill addresses one of PIANJ’s top legislative priorities—ending step-down clauses in personal auto policies in the state. The bill would prohibit a motor vehicle liability policy from restricting the amount that may be recovered under the policy based on who is driving or riding in the vehicle—meaning that means drivers would receive full coverage even if they aren’t the policyholder for a vehicle. The introduction of this legislation is a breakthrough and needs grassroots support to see its passage.

Technical

Craft a unique customer experience for the hard market

The current hard market has put many independent agents on the backfoot, with its increased premiums, reduced capacity and (understandably) frustrated clients. However, agents still can make substantial changes to their customer service experience, which can lead to growth amid adverse market conditions. To learn more, PIA Northeast members can access Spend the right time on the right clients and other helpful documents in the PIA QuickSource library.

Accolades

Last call—PIACT seeks industry stars, nominate someone today

PIACT is making one last call for nominations for its 2026 Awards of Distinction. Nominations are due this Friday, Feb. 13, 2026, making today your final opportunity to nominate someone. The association will honor insurance professionals who exemplify the qualities and actions that serve as a model of excellence in the insurance industry and for the independent agency system. Nominations are being sought for these awards: Professional Agent of the Year, Company Person of the Year and Community Service Award. For a full description of each award, or for a nomination form, click here.

Educating insurance agents

CPIA 1: Put yourself on track for success

Work toward your Certified Professional Insurance Agent designation by taking the first course of a three-part webinar series, 2026-2027 CPIA 1: Position for Success. This class will focus on how participants can develop their business plans and analyze internal and external factors that impact them. It will be held on Tuesday, Feb. 24, 2026, and will feature John Fear, CPIA, CISR, as its instructor. This course has been approved for continuing-education credits in New Hampshire (2 Ethics, 5 Gen Ins Prin PROD) and New York (7 BR, C1, C3, LA, LB, LSB, PA, PC). It has been submitted for CE approval in Connecticut and New Jersey. To learn more about the other classes in this series, view PIA Northeast’s education schedule, select your state, then select the “CPIA” filter in the search tab.

Last chance to register for Heartbreaker Series

To know how to confidently navigate break-ups with clients and business partners, join the association for the Heartbreaker Webinar Series on Friday, Feb. 13, 2026, taught by PIA Northeast’s Brad Lachut, Esq. Classes include: Breaking Ties: Legal and Practical Steps for Ending Agency and Client Relationships (9:30-10:30 a.m.); Employee Termination: Avoiding EPLI Pitfalls and Legal Missteps (11 a.m.-Noon); and Cancellations and Nonrenewals: What Every Producer Must Know (1-2 p.m.). For more information, log on to the PIA Northeast Education schedule, select your state, and click on the appropriate class. Don’t wait—this is your last day to register.

Events

Conn.: Networking opportunities abound at convention

It’s been said that the true value of a business lies in its network: Enrich your network at this year’s Connecticut Convention, from March 19-20, 2026, at the Foxwoods Resort Casino. From the Networking Reception to the packed trade show, this year’s convention will have plenty of opportunities to expand your circle or reconnect with old friends—all at one of the finest luxury resorts in New England. Make the most of early bird rates today and register now! Interested in sponsoring, exhibiting or advertising?

Say goodbye to winter at the NJYIP Spring Warm-Up Mixer

It’s been a bitter winter in the Northeast, but thankfully it’s almost over. Why not warm up with your peers over drinks and appetizers at the NJYIP Spring Warm-Up Insurance Mixer? Join NJYIP on Wednesday, Feb 25, 2026, at the Brick House Tavern in Princeton, from 3-6 p.m., for an evening of fun, relaxation and raffles with your friends from the insurance industry. Register today.

ICYMI

PIANY MetroRAP: Becoming the MVP for your industry

Over 400 insurance professionals braved the polar cold to attend PIANY’s MetroRAP on Jan. 29, 2026, at the Sheraton New York Times Square Hotel. During the daylong event, attendees made the most of their time by forming new connections, educating themselves on artificial intelligence’s role in the industry and exploring business solutions at the trade show. This MetroRAP was one to remember: in addition to honoring industry professionals at this year’s Keynote and Awards Luncheon, former New York Giants Running Back Tiki Barber was this year’s keynote speaker. PIA would like to thank the attendees and sponsors who made this event possible. We hope to see you at the next one. For more information visit the related article on PIA Northeast News & Media. View our online galleries for the NY-YIP MetroRAP Welcome Reception, the MetroRAP Luncheon with Tiki Barber and the MetroRAP education sessions and trade show.