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Legislative/regulatory issues
Rebating
Along with their homeowners insurance policy, a company included a discount coupon from a company that sells alarm systems. Would this be a form of rebating?
Company withdrawal
One of the insurers we represent is withdrawing from Connecticut, although it has not terminated our agency contract. Now it has started sending out nonrenewal notices, with only 30 days’ advance notice to the insured. Is this correct?
Mass-marketing plans
What are the rules governing mass-marketing programs in Connecticut?
Rebates
What can you tell me about rebates in Connecticut?
Referral fees
Can an insurance agent pay a referral fee to an unlicensed person, or a licensed person with different authorities than mine?
Under-age alcohol possession charges and license suspension
I’ve heard that in Connecticut, when a minor is cited for possession of alcohol, even if he or she was not driving or in a vehicle, his or her license will be suspended. Is this really the case?
Illegal discrimination
In Connecticut, is it considered redlining if an insurance company cancels a homeowners policy due to a neighboring property’s condition?
Family Leave Act—who pays?
I would like clarification on the Family and Medical Leave Act of 1993. Who pays for the employee’s medical coverage if the employee takes a leave under this federal act?
C.L.U.E. reports
Does a company using Comprehensive Loss Underwriting Exchange, a data bank maintained by LexisNexis, have to release a copy of the C.L.U.E. report to the agent of the client?
The mailbox rule
My client received a notice of cancellation for nonpayment and mailed the premium before the date of cancellation. If the payment isn’t received until after the date of cancellation, can the carrier cancel the policy?
Recreational drone registration
My client just bought a drone for each of her sons and herself. Does she have to register them and how does she go about doing so?
Subpoenas
I just received a subpoena in connection with policies placed on behalf of my client. What is it and how should I respond?
DOL overtime—biweekly pay
Employees in my agency are on a biweekly pay schedule. If one of my employees who is eligible for overtime works over 40 hours in the first week of a pay period, can I have them work less in the second week in order to avoid paying overtime?