Do insurer underwriting rules need to demonstrate that the breed of dog is not the sole factor for adverse underwriting and rating decisions in new and renewal underwriting and rating practices?
Do insurer underwriting rules need to demonstrate that the breed of dog is not the sole factor for adverse underwriting and rating decisions in new and renewal underwriting and rating practices?
Yes, insurers will need to make clear statements in their rules, including underwriting manuals, that demonstrate the company will not decline, non-renew, cancel, surcharge, or increase premiums based solely on the breed of dog.