Technology is reshaping property underwriting, and aerial imagery now is a routine part of how carriers assess risk. From satellite photography to high resolution flyovers, insurers have more data than ever before about the condition of insured...
N.Y.: TED Part BB: A once-in-a-generation opportunity to improve premium transparency
In PIANY’s recent overview of Gov. Kathy Hochul’s Transportation, Economic Development and Environmental Conservation (TED) budget proposals, we outlined several insurance-related measures that could affect the personal lines marketplace in New York state...
Legislative priority for PIANJ: Step-down ban introduced in state Senate
State Senate President Nicholas P. Scutari, D-22, has introduced S-3187 in the 2026-27 legislative session—a bill that would finally put an end to step-down clauses in personal auto policies in New Jersey. For those of us who...
N.Y.: Federal Scaffold Law reform and the future of insurance affordability
For independent insurance agents in New York state, affordability is no longer an abstract concern. It is a daily challenge that shows up in difficult renewals, shrinking carrier lists, and clients struggling to absorb ever increasing premiums. Few laws have...
N.Y.: Proposed public adjuster solicitation bill would strengthen post-loss consumer protections
A new bill proposed in the New York state Assembly aims to protect property owners in the critical moments following a loss by placing temporary restrictions on public adjuster solicitation. The bill—A.9390-A/S.9082, sponsored by Assemblymember Sam Berger, D-27, and...
N.Y.: Have you met TED (again)?
As New York state’s budget season gets underway, the familiar alphabet soup of Albany returns—none more important to insurance professionals than the Transportation, Economic Development and Environmental Conservation budget, better known...
N.Y.: Proposed e-scooter insurance bill has vital implications for independent agents
Legislation (A.9568) introduced by Assemblymember Sam Berger, D-27, would amend New York state’s Vehicle and Traffic Law to require electric scooter service platforms to maintain liability insurance coverage for scooters offered to the public through app-based digital...
N.J.: New e-bike law closes insurance gaps: A win for public safety and common sense
New Jersey has taken a major step forward to regulate the growing use of electric bicycles with the passage and signing of S-4834—a measure strongly supported by PIANJ. As e-bikes have rapidly evolved from recreational novelties into legitimate transportation...
N.Y. bill targets auto insurance affordability, limits noneconomic damages
On the heels of Gov. Kathy Hochul’s State of the State address, where auto insurance reform took center stage, the state Legislature took steps to address the issue this week with the introduction of S.8905. This legislation, sponsored by Sen. Monica Martinez, D-4,...
PIANY champions CE carryover for insurance producers
PIANY knows how much effort insurance producers put into staying informed and compliant with insurance laws and regulations. Continuing education isn’t just a requirement—it’s a commitment to professionalism and client...