NY Bill Requires Insurers to Submit Data on Nonrenewals, Cancellations, Claims, Premiums
Summary
New York Assembly Bill A09016 requires property/casualty insurers to submit detailed zip code-level data on nonrenewal rates, cancellations, claims, and premiums to the Department of Financial Services. It also mandates information on natural disaster risk models and introduces premium discounts for mitigation actions, with a report on the housing insurance market.
What changed
New York Assembly Bill A09016, introduced on August 27, 2025, mandates that property/casualty insurance companies operating in New York must submit extensive data to the Department of Financial Services. This data includes zip code-level information on nonrenewal rates, nonpayment cancellation rates, other cancellation rates, claim frequency, average claim amounts, paid loss ratios, and average premiums. Insurers utilizing natural disaster risk models must also disclose details about these models. Additionally, the bill requires the DFS and the Division of Housing and Community Renewal to issue an annual report on the housing insurance market for multifamily and nonprofit housing providers.
Insurers will need to establish or enhance data collection and reporting mechanisms to comply with these new requirements. The bill also introduces a requirement for insurers to offer premium discounts for policyholders who implement property-specific and community-level mitigation actions against natural disaster risks, and to publicize these discounts on their websites. Compliance with these new reporting and discount provisions will be critical for insurers operating in New York. The bill also proposes changes to cancellation/nonrenewal notice timing and increases membership on the board governing the New York property insurance underwriting association.
What to do next
- Develop and implement systems to collect and report zip code-level data on nonrenewals, cancellations, claims, and premiums.
- Document and disclose information regarding natural disaster risk models or scoring methods used.
- Establish and publicize premium discount programs for policyholders implementing natural disaster mitigation actions.
Source document (simplified)
NY A09016 | 2025-2026 | General Assembly
New York Assembly Bill 9016
NY State Legislature page for A09016
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Status
Sponsorship: Partisan Bill (Democrat 3)
Status: Introduced on August 27 2025 - 25% progression
Action: 2026-03-27 - print number 9016b
Pending: Assembly Insurance Committee
Text: Latest bill text (Amended) [HTML]
Summary
Requires property/casualty insurance companies to submit certain information to the department of financial services, including zip code-level data on nonrenewal rates, nonpayment cancellation rates, other cancellation rates, claim frequency rates, average claim amounts, paid loss ratios, and average premiums; market share data; for property/casualty insurance companies that use a natural disaster risk model or scoring method to assign risk, information about such model or scoring method; requires the department of financial services and the division of housing and community renewal to issue an annual report on the housing insurance market for multifamily and nonprofit housing providers; authorizes a premium discount to policyholders of homeowners insurance or property/casualty insurance applicable to residential real property who demonstrate property-specific and community-level mitigation actions to reduce the risk of loss from a natural disaster; requires insurers to post about such discounts on their public websites; relates to the timing of cancellation and nonrenewal notices for certain insurance policies; relates to increasing membership of the board governing the New York property insurance underwriting association; requires a quadrennial report on the activities of such association; increases such board membership to 23 including 6 directors appointed by the legislature and 4 directors appointed by the governor.
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Title
Requires property/casualty insurance companies to submit certain information to the department of financial services, including zip code-level data on nonrenewal rates, nonpayment cancellation rates, other cancellation rates, claim frequency rates, average claim amounts, paid loss ratios, and average premiums; market share data; for property/casualty insurance companies that use a natural disaster risk model or scoring method to assign risk, information about such model or scoring method; requires the department of financial services and the division of housing and community renewal to issue an annual report on the housing insurance market for multifamily and nonprofit housing providers; authorizes a premium discount to policyholders of homeowners insurance or property/casualty insurance applicable to residential real property who demonstrate property-specific and community-level mitigation actions to reduce the risk of loss from a natural disaster; requires insurers to post about such discounts on their public websites; relates to the timing of cancellation and nonrenewal notices for certain insurance policies; relates to increasing membership of the board governing the New York property insurance underwriting association; requires a quadrennial report on the activities of such association; increases such board membership to 23 including 6 directors appointed by the legislature and 4 directors appointed by the governor.
Sponsors
| Asm. Emerita Torres [D] | Asm. Phara Souffrant Forrest [D] | Asm. Anna Kelles [D] |
History
| Date | Chamber | Action |
| --- | --- | --- |
| 2026-03-27 | Assembly | print number 9016b |
| 2026-03-27 | Assembly | amend and recommit to insurance |
| 2026-01-12 | Assembly | print number 9016a |
| 2026-01-12 | Assembly | amend (t) and recommit to insurance |
| 2026-01-07 | Assembly | referred to insurance |
| 2025-08-27 | Assembly | referred to insurance |
Same As/Similar To
S08583 (Same As) 2026-01-07 - REFERRED TO INSURANCE
New York State Sources
| Type | Source |
| --- | --- |
| Summary | https://www.nysenate.gov/legislation/bills/2025/A9016 |
| Text | https://assembly.state.ny.us/leg/?default_fld=&bn=A09016&term=2025&Summary=Y&Actions=Y&Text=Y&Committee%26nbspVotes=Y&Floor%26nbspVotes=Y#A09016 |
| Text | https://assembly.state.ny.us/leg/?default_fld=&bn=A09016&term=2025&Summary=Y&Actions=Y&Text=Y&Committee%26nbspVotes=Y&Floor%26nbspVotes=Y#A09016A |
| Text | https://assembly.state.ny.us/leg/?default_fld=&bn=A09016&term=2025&Summary=Y&Actions=Y&Text=Y&Committee%26nbspVotes=Y&Floor%26nbspVotes=Y#A09016B |
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