PIANJ has long advocated for banning the use of step-down clauses in personal auto policies—an unfair, hidden trap that blindsides consumers when they need coverage most. After years of steady advocacy, that work is paying off. Twin...
Remember to update your personal home inventory for renters insurance
Renters insurance provides an essential safety net for tenants, offering protection against unforeseen events such as theft, fire, natural disasters or lawsuits. While obtaining a renters insurance policy is paramount, many renters undervalue the importance of...
N.Y.: Governor vetoes bill on dog breed restrictions in renters insurance
Gov. Kathy Hochul has vetoed legislation (S.364) that would have prohibited insurers from imposing restrictions on renters insurance policies based solely on the breed—or mix of breeds—of a dog owned or harbored by the policyholder. The...
How traveler’s insurance can protect you this winter
Winter is here, and that means so are the cold, dreary, and often snowy, days. Why not plan a vacation? Planning a vacation is fun! However, it is often expensive. Don’t forget that your independent insurance agent can provide insurance resources to help protect your...
Keeping your presents safe this holiday season with the right coverage
Winter is here, and that means the holiday season is in full swing. Hannukah, Christmas, Kwanza and the Winter Solstice are just around the corner: come January there’s the Epiphany and Chinese New Year. There’s plenty of festivities to enjoy, and that almost always...
Advocating for affordability: PIANY testifies before N.Y. Senate on residential property insurance
The New York state Senate held a joint hearing on Nov. 18, 2025, to address a growing concern for homeowners and insurance professionals alike: the rising cost—and shrinking availability of—residential property insurance. The hearing, convened by the Senate Committees...
Help clients weather the winter: A road safety guide for insurance agents
As winter approaches the Northeast, drivers across the region face some of the most challenging road conditions of the year. Each season, more than 1,300 people are killed and more than 116,800 people are injured in vehicle crashes on snowy, slushy or icy pavement,...
N.J.: E-bike overhaul: What a new bill means for riders, regulators—and insurance producers
As the New Jersey Legislature zeroes in on e-bike insurance during the current lame duck session, S-4834 emerges as a key piece of proposed legislation. Introduced by Sen. Nicholas P. Scutari, D–22, S-4834 is the second e-bike insurance bill put forward in recent...
Holiday havoc: Thanksgiving insurance risks
Let’s face it: Thanksgiving can be stressful. You must contend with traffic and crowded airports; it can be a challenge to get the whole family together, you’ll have a ton of guests if you’re hosting and there’s all the prep work that goes into cooking a big...
N.Y.: Governor signs online insurance verification law: A win for agents, clients
In a major victory for insurance modernization and consumer protection, New York Gov. Kathy Hochul officially signed S.5331-A/A.4404-A into law—bring the Empire State into a new era of real-time insurance verification for motor vehicles....