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Minnesota Legislature

Office of the Revisor of Statutes

INSURANCE POLICIES

See also INSURANCE; INSURANCE AGENTS, SOLICITORS, AND BROKERS

Alteration, binders, insurance producers, duties, Minn. Statutes 2018 60K.46

Applicants, misrepresentation, generally, Minn. Statutes 2018 60A.08

Applications, false statements, Minn. Statutes 2018 72A.04

Approval

Cover sheet, Minn. Statutes 2018 72C.05

Generally, Minn. Statutes 2018 70A.06

Readability, Minn. Statutes 2018 72C.10

Assigned risk policies, insurance premium finance agreements, cancellation upon default, notice, Minn. Statutes 2018 59A.12

Assumption transactions, Minn. Statutes 2018 60A.09

Authenticity, prima facie evidence, Minn. Statutes 2018 336.1-307

Authority for rules, typeface styles, Minn. Rules 2700.1100

Bankruptcy, insolvency or dissolution clauses, Minn. Statutes 2018 60A.08

Benefits, see under INSURANCE

Boilers and pressure vessels, Minn. Statutes 2018 326B.99

Breach of insurance policy, Minn. Statutes 2018 60A.0811

Business associations, waiting period, Minn. Statutes 2018 60A.02

Cancellation

Effect, Minn. Statutes 2018 72A.51

Exceptions, Minn. Statutes 2018 72A.51

Group policies, Minn. Statutes 2018 60A.085

Insurers' rights, policies underwritten by managing general agents, Minn. Statutes 2018 60H.04

Midterm cancellation, Minn. Statutes 2018 60A.36

Notice, Minn. Statutes 2018 60A.36, 2018 60A.37, 2018 60A.38, 2018 72A.51

Refunds, Minn. Statutes 2018 72A.51, 2018 72A.52

Return of policy or contract, Minn. Statutes 2018 72A.51, 2018 72A.52

Return premiums, Minn. Statutes 2018 297I.01

Right to cancel, Minn. Statutes 2018 72A.20, 2018 72A.51, 2018 72A.52

Third-party notices, Minn. Statutes 2018 60A.36

Violations and penalties, see same under this topic

Casualty insurance, see Policies under CASUALTY INSURANCE

Certificates, filing fees, Minn. Statutes 2018 60A.14

Combination policies, limitations, Minn. Statutes 2018 60A.06

Commercial policies

Definitions, Minn. Rules 2700.2460

Filing exemptions, Minn. Rules 2700.2460 to 2700.2480

Community integrated service networks, see Contracts and agreements under COMMUNITY INTEGRATED SERVICE NETWORKS

Comprehensive health insurance plans, see under HEALTH AND ACCIDENT INSURANCE

Contracts and agreements, unauthorized contracts, unlawful, Minn. Statutes 2018 60A.08

Cover sheets, Minn. Statutes 2018 72C.05

Credit insurance, see Policies under CREDIT INSURANCE

Custodial trustees, designation, Uniform Custodial Trust Act, Minn. Statutes 2018 529.03

Cyclone insurance, Minn. Statutes 2018 66A.29

Definitions, commercial policies, Minn. Rules 2700.2460

Definitions

Comprehensive Health Insurance Act, Minn. Statutes 2018 62E.02

Electronic Authentication Act, Minn. Statutes 2018 325K.01

Health and accident insurance, Minn. Statutes 2018 62A.011

Health plan companies, Minn. Statutes 2018 62Q.01

Homeowners' insurance, Minn. Statutes 2018 65A.44

Insurance Fair Reporting Act, Minn. Statutes 2018 72A.491

Insurance law, Minn. Statutes 2018 60A.02, 2018 60A.951, 2018 66A.41

Insurance taxes, Minn. Statutes 2018 297I.01

Long-term care insurance, Minn. Statutes 2018 62S.01

Readability of Insurance Policies Act, Minn. Statutes 2018 72C.04

Dental insurance, exclusion, Minn. Statutes 2018 62E.02

Descriptions, insurance premium finance agreements, Minn. Statutes 2018 59A.08

Digital signatures, Minn. Statutes 2018 60A.08, 2018 325K.18

Directors' liability, see Policies under LIABILITY INSURANCE

Disability insurance, see Policies under DISABILITY INSURANCE

Disclosure, Minn. Statutes 2018 72A.201

Discrimination, prohibited, Minn. Rules 2735.0100 to 2735.0500

Electronic delivery, Minn. Statutes 2018 60A.139

Errors and omissions policies

Captive producers, Minn. Statutes 2018 60A.1755

Generally, Minn. Statutes 2018 80A.91

Managing general agents, Minn. Statutes 2018 60H.03

Exceptions, Minn. Statutes 2018 72A.51

Excess insurance, generally, Minn. Statutes 2018 60A.35

False advertising, unfair trade practice, Minn. Statutes 2018 72A.20

Fidelity insurance, Minn. Statutes 2018 48.12 to 2018 48.14

Filing, fees, Minn. Rules 2605.0400

Filing

Generally, Minn. Statutes 2018 70A.06

Policies offered or sold in foreign states, Minn. Statutes 2018 60A.08, 2018 61A.02

Readability, Minn. Statutes 2018 72C.10

Fire insurance, see Policies under FIRE INSURANCE

Fixed indemnity policies, Minn. Statutes 2018 62A.135

Flying clubs, reports about, Minn. Rules 8800.4300

Foreign language policies, Minn. Statutes 2018 60A.08

Format requirements, Minn. Statutes 2018 72C.05, 2018 72C.08

Forms, commercial insurance policies, Minn. Rules 2700.2470

Forms

Requirements, Minn. Statutes 2018 60A.06

Retention, insurance companies, duties, Minn. Statutes 2018 72A.20

Surplus lines insurance, Minn. Statutes 2018 60A.197

Violations and penalties, see same under this topic

Fraternal benefit societies, policies, see Benefit certificates under FRATERNAL BENEFIT SOCIETIES

Fraternal benefit societies, Minn. Rules 2735.0100 to 2735.0500

Fraud, see Insurance fraud under FRAUD

Group policies

Accidental death, Minn. Statutes 2018 62A.10

Adverse underwriting decision, health reasons, exemption from law, Minn. Statutes 2018 72A.499

Life insurance, see Group policies under LIFE INSURANCE

Readability, exemption, Minn. Statutes 2018 72C.03

Hail insurance, Minn. Statutes 2018 66A.29

Health and accident insurance, see Policies under HEALTH AND ACCIDENT INSURANCE

Health maintenance organization policies, see Contracts and agreements under HEALTH MAINTENANCE ORGANIZATIONS

Health maintenance organizations, see Contracts under HEALTH MAINTENANCE ORGANIZATIONS

Homeowners insurance, see Policies under HOMEOWNERS INSURANCE

Hurricane insurance, Minn. Statutes 2018 66A.29

Independently procured insurance, definition, Minn. Statutes 2018 297I.01

Insurance companies, transfer of domicile, effect, Minn. Statutes 2018 60A.161

Invalidation, hostilities between foreign country and United States, effect, Minn. Statutes 2018 60A.19

Investment company securities, exclusion, Minn. Statutes 2018 336.8-103

Issuance

Additional policies, notice, Minn. Statutes 2018 59A.08

Rebate violations, issuance prohibited, Minn. Statutes 2018 72A.08

Joint self-insurance employee health plans, see Policies under JOINT SELF-INSURANCE EMPLOYEE HEALTH PLANS

Joint Underwriting Association, see Policies under JOINT UNDERWRITING ASSOCIATION

Landfill cleanup costs, compromise and settlement of claims by state, Minn. Statutes 2018 115B.441 to 2018 115B.445

Legibility, readability, Minn. Statutes 2018 72C.01 to 2018 72C.13

Liability insurance, see Policies under LIABILITY INSURANCE

Liens, cooperative or assessment plan policies, Minn. Statutes 2018 61A.42

Life insurance, see Policies under LIFE INSURANCE

Liquidation, length of continued coverage, Minn. Statutes 2018 60B.22

Liquor liability insurance, Minn. Statutes 2018 62I.02, 2018 340A.409

Long-term care insurance, see Policies under LONG-TERM CARE INSURANCE

Long-term care insurance, Minn. Rules 2745.0040

Marine insurance, Minn. Statutes 2018 60A.35, 2018 65A.06

Medicare select, Minn. Statutes 2018 62A.318, 2018 62A.36

Medicare supplement policies or certificates, generally, Minn. Statutes 2018 62A.3099 to 2018 62A.44

Minnesota standard fire insurance policy, see under FIRE INSURANCE

Misrepresentation

Cancellation or rescission, Minn. Statutes 2018 60A.08, 2018 60A.36, 2018 65A.01

Unfair trade practice, Minn. Statutes 2018 72A.20

Motor vehicle insurance, see Policies under MOTOR VEHICLE INSURANCE

Mutual casualty insurance companies, see under CASUALTY INSURANCE

Mutual employers' liability insurance, see Policies under LIABILITY INSURANCE

Mutual insurance companies, see Policies under MUTUAL INSURANCE COMPANIES

Mutual tornado insurance companies, Minn. Statutes 2018 66A.311&year=2018">2018 66A.311=66A.31

Non-English language policies, readability, exemption, Minn. Statutes 2018 72C.03

Nonadmitted insurance, definition, Minn. Statutes 2018 297I.01

Nonassessable policies, Minn. Rules 2700.0500

Noncomprehensive policies, loss ratios, Minn. Statutes 2018 62A.315

Nonprofit health service plan corporation policies, see Subscriber contracts under NONPROFIT HEALTH SERVICE PLAN CORPORATIONS

Nonrenewal, see Renewals under this topic

Plain language, readability, Minn. Statutes 2018 72C.01 to 2018 72C.13

Policyholders

Controlled insurers, rights of, Minn. Statutes 2018 60J.11

Notice received, Minn. Statutes 2018 60B.26, 2018 60C.21, 2018 60C.22, 2018 72A.499

Policies financed by premium finance agreements, Minn. Statutes 2018 59A.12

Printing, typefaces, Minn. Statutes 2018 72C.07

Property insurance, see Policies under PROPERTY INSURANCE

Purpose of rules, typeface styles, Minn. Rules 2700.1200

Qualified long-term care policies, see under LONG-TERM CARE INSURANCE

Readability, typeface styles, Minn. Rules 2700.1100 to 2700.1300

Readability

Cover sheet, Minn. Statutes 2018 72C.05

Definitions, Minn. Statutes 2018 72C.04

Exemptions from law, Minn. Statutes 2018 72C.03

Flesch scale analysis, Minn. Statutes 2018 72C.09, 2018 72C.10

Generally, Minn. Statutes 2018 72C.06

Purpose of law, Minn. Statutes 2018 72C.02

Readability of Insurance Policies Act, Minn. Statutes 2018 72C.01 to 2018 72C.13

Reports to legislature, Minn. Statutes 2018 72C.12

Rulemaking, Minn. Statutes 2018 72C.06, 2018 72C.11, 2018 72C.12

Scope of law, Minn. Statutes 2018 72C.03

Reciprocals or interinsurance exchanges, forms, filing, Minn. Statutes 2018 71A.02

Refunds, filing fees, prohibited, Minn. Rules 2605.0400

Regulated lenders, borrowers, delivering copies to, Minn. Statutes 2018 56.155

Regulation by state, purpose, Minn. Statutes 2018 60A.235

Reinstatement, personal information, authorization for disclosure, Minn. Statutes 2018 72A.501

Reinsurance, Minn. Statutes 2018 60A.35, 2018 60A.351, 2018 62L.13

Renewals

Generally, Minn. Statutes 2018 60A.08

Nonrenewal, notice, Minn. Statutes 2018 60A.171, 2018 60A.37, 2018 60A.38

Notice requirements, Minn. Statutes 2018 59A.08

Policies with altered rates, Minn. Statutes 2018 60A.351

Rebate violations, renewals prohibited, Minn. Statutes 2018 72A.08

Rescission

Generally, Minn. Statutes 2018 60A.08

Violations, unfair trade practice, penalties, Minn. Statutes 2018 60A.36, 2018 60A.38

Residential renters' insurance, see Policies under HOMEOWNERS INSURANCE

Securities, readability law, exemption, Minn. Statutes 2018 72C.03

Signatures

Digital signatures, suitable guaranty, recovery based on terms, Minn. Statutes 2018 325K.18

Facsimile signatures, Minn. Statutes 2018 60A.08

Required, Minn. Statutes 2018 60A.08

Small employer health benefit plans, see Policies under SMALL EMPLOYER HEALTH BENEFIT PLANS

Stop loss policies, regulation as health plan policies, Minn. Statutes 2018 60A.235

Storm insurance, Minn. Statutes 2018 65A.06

Suitable guaranty, insurance policies defined as, Minn. Statutes 2018 325K.01

Surplus lines, Minn. Statutes 2018 60A.195 to 2018 60A.209

Termination

Class or statewide, reason, exemption from law, Minn. Statutes 2018 72A.499

Return premiums, definitions, insurance taxes, Minn. Statutes 2018 297I.01

Township mutual companies, see Policies under TOWNSHIP MUTUAL COMPANIES

Typefaces, Minn. Statutes 2018 72C.07

Unfair trade practices, generally, Minn. Rules 2700.3100 to 2700.3400

Unfair trade practices

Cancellation or rescission, violations, Minn. Statutes 2018 60A.36, 2018 60A.38

Disqualification of company, Minn. Statutes 2018 72A.02, 2018 609B.109

Generally, Minn. Statutes 2018 72A.20

Nonrenewal, Minn. Statutes 2018 60A.37, 2018 60A.38

Valuation, Minn. Statutes 2018 60A.03

Variable life policies, refunds, Minn. Statutes 2018 72A.52

Vehicle protection product warranty reimbursement insurance, Minn. Statutes 2018 59C.02 to 2018 59C.12

Violations and penalties

Applications, false statements, Minn. Statutes 2018 72A.04

Generally, Minn. Statutes 2018 62A.36

Rescission violations, voiding of agreement, Minn. Statutes 2018 60A.08

Unfair trade practices, see same under this topic

Waivers, waiting period, business associations, Minn. Statutes 2018 60A.02

Warranty reimbursement, vehicle protection product warranties, Minn. Statutes 2018 59C.02 to 2018 59C.12

Workers' compensation, see Policies under WORKERS COMPENSATION INSURANCE