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	GENERAL PROVISIONS
379.005	Definitions. (8/28/2008)
	ORGANIZATION OF INSURANCE COMPANIES
379.010	Number of incorporators required — classes of insurance — capital and surplus requirements, phase-in. (8/28/1989)
379.011	Documents required for insurance transactions or proof of coverage by electronic means permitted, when, requirements — inapplicability — withdrawal of consent, no additional fees for paper records — discounts. (8/28/2022)
379.012	Insurance forms and endorsements may be available on insurer's website, when, requirements — rulemaking authority. (8/28/2014)
379.017	Combined risk policies authorized — single premium may be lower than aggregate coverage rates. (8/28/1989)
379.025	Plans for formation of companies — name — prohibitions. (8/28/1989)
379.030	Declaration preliminary to organizing. (8/28/1989)
379.035	Articles of incorporation for stock companies. (8/28/1989)
379.040	Declaration, approval, filing — certificate of incorporation — subscription of stock. (8/28/1989)
379.050	Examination and certification of stocks, by whom. (8/28/1989)
379.055	Director to give certificate — to be filed — evidence. (8/28/1967)
379.060	Charter of mutual companies. (8/28/1989)
379.065	Organization of corporation — procedure — fee. (8/28/1989)
379.070	Director to examine subscriptions, policyholders' surplus. (8/28/1989)
379.075	Authority to commence business, when, how issued. (8/28/1989)
379.080	Capital and surplus of stock or mutual company, investments authorized — violation, penalty. (8/28/2002)
379.082	Property and liability companies, assets — requirements, standards. (8/28/1992)
379.083	Insurer investment in investment pools permitted, when — limitations — custodial and pooling agreements. (8/28/1997)
379.085	Mutual companies doing fire and marine business, agreements and securities — violation, penalty. (7/1/1987)
379.090	Premium notes, how payable. (8/28/1939)
379.095	Assessment of premium notes. (8/28/1939)
379.098	Securities to be deposited by all companies, kind and amount. (8/28/1989)
379.100	Director to receive deposits. (8/28/1939)
379.102	Unearned premium and loss reserves, maintained as liabilities. (8/28/1989)
379.105	Annual reports — contents. (8/28/2000)
379.108	Form of certificate to be filed with director — definitions — contents — standard forms — false or misleading information prohibited — applicability — fee — violations, effect of — rulemaking authority. (8/28/2011)
	AUTOMOBILE INSURANCE CANCELLATION — REFUSAL TO ISSUE OR RENEW
379.110	Definitions. (8/28/2018)
379.112	Provisions of policy covered. (8/28/1974)
379.114	Reasons for cancellation. (8/28/1974)
379.116	Refusal to insure or exclusion of named persons, when. (8/28/1974)
379.118	Notice of cancellation and renewals, due when — reinstatement, when — exemption, when. (8/28/2018)
379.120	Explanation of refusal to write a policy, how given, contents — exemption, when. (8/28/2021)
379.121	Definitions. (8/28/2001)
379.122	Refusal to issue policy based on the lack of prior motor vehicle coverage prohibited, when — military member protections, notification required. (8/28/2021)
379.123	Violation deemed unfair trade practice. (8/28/2001)
	GENERAL PROVISIONS
379.125	Reinsurance. (8/28/2016)
379.130	Insurance claims, percentage of fault not to be assigned based solely on operation of a motorcycle. (8/28/2009)
379.140	Total loss of real property — full amount of policy less any deductible to be paid — inapplicability, when — multiple policies, effect on recovery — commercial buildings, policy covering two or more, recovery amount. (8/28/2021)
379.150	Partial loss by fire — standard fire insurance policy language, option for settlement of loss. (8/28/2021)
379.155	Coinsurance provisions declared void — exception. (8/28/1939)
379.160	Form of policy to be filed — coinsurance clause. (8/28/2021)
379.165	Construction of warranties of fact made in application. (8/28/1939)
379.170	Construction of warranties of fact incorporated in policy. (8/28/1939)
379.175	Evasion of sections prohibited. (8/28/1939)
379.180	Adjustments and examination of books to be made at place of loss. (8/28/1939)
379.185	After notice of loss, company to furnish blanks. (8/28/1939)
379.190	Failure to furnish blank forms deemed waiver. (8/28/1939)
379.195	Accident insurance liability fixed, when — cancellation prohibited. (8/28/1939)
379.200	Judgment creditor may collect insurance, when. (8/28/1991)
379.201	Motor vehicle policies to include coverage of owner and vehicle loaned for demonstration or during repairs. (8/28/1985)
379.203	Automobile liability policy, required provisions — uninsured motorist coverage required — recovery against tort-feasor, how limited. (8/28/1991)
379.204	Underinsured motor vehicle coverage, construction of policy. (8/28/1999)
	MUTUAL COMPANIES OTHER THAN LIFE AND FIRE
379.205	Mutual companies other than life and fire insurance. (8/28/1939)
379.210	Articles of incorporation shall specify what. (8/28/1939)
379.215	Name must contain the word "mutual". (8/28/1939)
379.220	Submitted to director — proof of publication — certificate may be issued — amendment of articles. (8/28/1939)
379.225	Company to have legal existence from date of certificate — insurance in force, when. (8/28/1939)
379.230	Contracts of insurance and reinsurance. (8/28/1939)
379.235	License required — conditions to be complied with. (8/28/1977)
379.240	Who may hold policies. (8/28/1939)
379.245	Voting power of members. (8/28/1939)
379.250	Premiums. (8/28/1939)
379.255	Assets, how invested. (8/28/1939)
379.257	Deposit of securities required of mutual companies other than life and fire. (8/28/1967)
379.260	Reserves. (8/28/1939)
379.263	Mutual companies other than life and fire to file statement of affairs, when. (8/28/1967)
379.265	Assessments to meet reserve deficiencies. (8/28/1939)
379.270	Director may advance money. (8/28/1939)
379.275	Policies need not be countersigned — conditions. (8/28/1939)
379.290	Tax to be paid upon premiums. (8/28/1945)
379.295	Returns and assessment to be made by director — collection and disposition of tax by the director of revenue. (8/28/1945)
379.300	Failure to make return — director to proceed. (8/28/1945)
	REGULATION OF RATES AND RATING ORGANIZATIONS
379.316	Scope of act (section 379.017 and sections 379.316 to 379.361). (8/28/2023)
379.318	Rates, how made. (8/28/1972)
379.321	Rating plans to be filed with director, when — informational filings. (8/28/2018)
379.323	Rating organization defined — license, application for, contents — subscribers, how treated. (8/28/1972)
379.326	Deviation, how filed, effective when — open to public inspection. (8/28/1972)
379.328	Advisory organization defined — required filings — hearings on activities, discontinuance orders. (8/28/1972)
379.331	Joint underwriting regulated — hearings, discontinuance order, when. (8/28/1972)
379.333	Insurers may act in concert to make rates. (8/28/1972)
379.336	Insurers with common management may act in concert to make rates. (8/28/1972)
379.338	Agreement to adhere prohibited, exception. (8/28/1972)
379.341	Exchange of information approved. (8/28/1972)
379.343	Examinations by director, when, how conducted, cost how paid. (8/28/1972)
379.346	Examination, purpose of — hearing — order. (8/28/1972)
379.348	Review of rate, rating plan or system, how obtained. (8/28/1972)
379.351	Approval by director of rules and plans, when — exchange of information with director — director may make rules and regulations. (8/28/1972)
379.353	Withholding of information or giving false or misleading information prohibited, penalty. (8/28/1972)
379.356	Excessive premiums and rebates prohibited. (1/1/2003)
379.359	Commissions paid to brokers or agents not affected. (8/28/1972)
379.361	Violations, penalties. (8/28/2007)
379.402	Property and casualty insurance, free or discounted products or services permitted, when — rulemaking authority. (8/28/2020)
379.404	Commercial property and casualty insurance — rebates, discounts, gifts prohibitions not applicable, exception to exclusion. (8/28/2020)
	CASUALTY AND SURETY RATE REGULATION
379.420	Citation of law. (8/28/1947)
379.425	Law applicable to certain classes of insurance — exceptions. (8/28/2001)
379.430	Insurers may act in concert with respect to rates. (8/28/1947)
379.435	Rating organization defined. (8/28/1947)
379.440	Rating organization must be licensed — who may apply — content of application. (8/28/1947)
379.445	Requirements to obtain and retain license. (8/28/1947)
379.450	Director to grant or deny license. (8/28/1947)
379.455	Advisory organizations. (8/28/1947)
379.460	Joint underwriting groups. (8/28/1947)
379.465	Exchange of information — agreement to rates. (8/28/1947)
379.470	Provisions governing rates. (10/16/2015)
379.475	Director to examine — powers — cost — director may accept examination by other state. (8/28/1947)
379.480	Purpose of examination — hearing — orders. (8/28/1947)
379.485	Penalties for failure to comply — powers of director. (8/28/1947)
379.490	May use rating plans or systems. (8/28/1947)
379.495	Payment of dividends not regulated. (8/28/1947)
379.500	Freedom of contract for fees not restricted. (8/28/1947)
379.505	Hearings on orders — notice — rules of pleading and evidence — review — effective date of order. (8/28/1947)
379.510	Penalty for violation of orders. (8/28/2007)
	REORGANIZATION OF INSURANCE COMPANIES
379.515	May reorganize and extend corporate existence. (8/28/1939)
379.520	Content of articles of association. (8/28/1939)
379.525	Additional requirements for articles of association. (8/28/1939)
379.530	Special meeting to be called — notice. (8/28/1939)
379.535	Propositions for reorganization and extension of corporate existence to be voted on. (8/28/1939)
379.540	Articles to be acknowledged and declaration of proceeding to be made. (8/28/1939)
379.545	Duty of director. (8/28/1939)
379.550	Board to accept certificate — file with secretary of state — fee — new board — notify director. (8/28/1947)
379.555	Examination of company and certificate to do business. (8/28/1939)
379.560	Value of equitable interests of nonassenting stockholders or policyholders to be paid to them. (8/28/1939)
379.565	Suit in circuit court to determine value. (8/28/1939)
379.570	Publication of notice — proceedings. (8/28/1939)
379.575	Who may appear — proceedings, how governed. (8/28/1939)
379.580	Costs — by whom paid. (8/28/1939)
379.585	Company having special charter may accept general insurance laws. (8/28/1939)
379.590	Content of articles of association. (8/28/1939)
379.595	Additional requirements of articles of association. (8/28/1939)
379.600	Special meeting to be called — notice. (8/28/1939)
379.605	Proposition to surrender to be voted on. (8/28/1939)
379.610	Acknowledgment and declaration to be made. (8/28/1939)
379.615	Duty of director. (8/28/1939)
379.620	Acceptance by resolution of directors. (8/28/1939)
379.625	Certificate to do business. (8/28/1939)
	RECIPROCALS OR INTERINSURANCE EXCHANGES
379.650	Exchange of reciprocal or interinsurance contracts authorized — classes of insurance allowed. (8/28/1989)
379.660	Contracts to be executed through attorney in fact. (8/28/1967)
379.670	Application for license, contents — requirements. (8/28/1967)
379.680	Service of process on director — method. (8/28/1967)
379.690	Statement of condition and affairs may be required by director — restriction on liability of members. (8/28/1967)
379.700	Reserves required. (8/28/1967)
379.710	Surplus required — claim reserve fund — phase-in of requirements. (8/28/1989)
379.720	Deficiency how made up — net premium and deposit defined. (8/28/1967)
379.730	Annual statement of financial condition required. (8/28/1967)
379.740	Corporations generally empowered to become subscribers. (8/28/1967)
379.750	Certificate of authority from director required — license may be revoked or suspended — renewal. (1/1/1971)
379.770	Mergers or consolidation of reciprocal exchanges or interinsurers. (8/28/2001)
379.780	Exemption from other insurance laws except retaliatory law, and certain enumerated sections. (8/28/1975)
379.790	Penalty for acting without legal authority. (8/28/2007)
379.800	Sections 374.030 to 379.790 intended as a continuation of existing law. (8/28/1967)
	PROPERTY INSURANCE CONTINUATION AFTER DEATH
379.808	Insurance policies on certain real property — beneficiary deemed insured, duration, others covered not affected, when. (8/28/2004)
	BASIC PROPERTY INSURANCE INSPECTION AND PLACEMENT PROGRAM
379.810	Program established. (8/28/1969)
379.815	Definitions. (8/28/2004)
379.820	Inspections and reports. (8/28/1986)
379.825	Issuance of policy, when — appointment of liability assumed — expenses — limits on liability. (8/28/2004)
379.827	Sinkhole loss policies authorized. (8/28/2014)
379.830	Procedure after inspection and submission. (8/28/1986)
379.835	Joint reinsurance association. (8/28/1986)
379.840	Standard policy coverage and rating procedure. (8/28/1969)
379.845	Cancellation or nonrenewal. (8/28/1986)
379.850	Right of appeal. (8/28/1986)
379.855	Commissions. (8/28/1969)
379.860	Administration of program — governing committee, members, vacancies — immunity from liability, when. (8/28/2020)
379.865	Annual and special meetings. (8/28/1969)
379.870	Duties of the committee. (8/28/1969)
379.875	Statistics to be kept, reports. (8/28/1986)
379.880	Public education. (8/28/1969)
	COMMERCIAL CASUALTY INSURANCE
379.882	Definitions for sections 379.882 to 379.886. (7/1/1987)
379.883	Policy cancellation or nonrenewal requirement of sixty days prior to notification — notice content. (8/28/1998)
379.884	Policyholder's right to history of policy, when. (7/1/1987)
379.885	Proof of mailing notice of cancellation or nonrenewal. (7/1/1987)
379.886	Cancellation or nonrenewal of entire line or class of insurance requires ninety days' prior notice to director. (7/1/1987)
379.888	Definitions for sections 379.888 to 379.893 — notice to insured, when — department to notify insurers. (8/28/2001)
379.889	Rates not to be excessive, inadequate, or unfairly discriminatory — unfair discrimination defined. (8/28/2002)
379.890	Rates, rate plan or rate system filing, when — required actuarial data. (8/28/2002)
379.893	Rules and regulations on modification of rate base, authority of director — procedure. (8/28/1995)
379.895	Annual report by commercial casualty insurance companies — form — content of report — exceptions. (7/1/1987)
	PREPAID LEGAL SERVICE PLAN
379.901	Prepaid service plan defined — agent soliciting memberships, disclosures. (8/28/2014)
	SMALL EMPLOYER HEALTH INSURANCE AVAILABILITY ACT
379.930	Small employer health insurance availability act — definitions. (1/1/2008)
379.932	Applicability of act, conditions — treatment as single carrier or separate carrier — ceding agreements prohibited, when. (7/1/1993)
379.934	Establishment of class of business, reasons — number of classes that may be established — promulgation of rules for period of transition — establishment of additional classes. (8/28/2016)
379.936	Premium rates, subject to conditions — no transfer out of class of business — disclosure required, contents — rating and renewal records required to be kept. (8/28/2016)
379.938	Renewability, exceptions — carrier not renewing prohibited from writing new business in market, when — application of section in certain geographic areas. (8/28/2016)
379.940	Carriers to offer all health plans in market — health benefit plans, requirements — exclusion of coverage for certain employees. (8/28/2016)
379.946	Board report, contents, recommendations. (7/1/1993)
379.948	Certain law not to apply to basic health benefit plan. (7/1/1993)
379.950	Director to promulgate rules, procedure. (8/28/1995)
379.952	Carriers to market plan coverage — agent or broker, prohibited activities, exception — variance in compensation prohibited, exceptions — carriers, prohibited activities — denial of application, requirements — penalty — applicability to third party administrators. (1/1/2008)
	EARTHQUAKE INSURANCE
379.975	Insurer to provide information, when. (8/28/1992)
379.978	Written disaster plan, insurer to develop, contents. (8/28/1992)
	REORGANIZATION OF DOMESTIC MUTUAL INSURANCE COMPANY
379.980	Reorganization of domestic mutual insurance company, authority. (8/28/1996)
379.982	Formation of holding company, application — shareholder approval — issuance of shares. (8/28/1996)
379.985	Member's interest — nontransference of membership — immunity from liability — assessments, not imposed — security, membership interest. (8/28/1996)
379.987	Nonapplicability of certain provisions of insurance holding companies law — incorporation of mutual holding company, authority, approval — powers of mutual holding company, engaging in business of insurance, no authority, affiliation and merger agreements. (8/28/1996)
379.988	Mutual holding company subject to supervision of director, dissolution or liquidation — demutualization. (8/28/1996)
	CAPTIVE INSURANCE COMPANIES
379.1300	Definitions. (8/28/2013)
379.1302	Licensure — prohibited acts — requirements for conducting business — application requirements. (8/28/2009)
379.1304	Adoption of a name, deceptive practice. (8/28/2007)
379.1306	Capital and surplus requirements. (8/28/2013)
379.1308	Approval for payment of dividends required. (8/28/2007)
379.1310	Incorporation as a stock insurer permitted, when. (8/28/2013)
379.1312	Reports required. (8/28/2013)
379.1314	Inspections, when. (8/28/2007)
379.1316	Suspension or revocation of licensure, when. (8/28/2007)
379.1318	Investment requirements, compliance with. (8/28/2007)
379.1320	Reinsurance may be provided, when. (8/28/2007)
379.1322	Rating organizations, company not required to join. (8/28/2007)
379.1324	Prohibitions on joining or contributing to certain entities and funds. (8/28/2007)
379.1326	Premium tax imposed, amount, procedure. (8/28/2013)
379.1328	Rulemaking authority. (8/28/2007)
379.1330	Inapplicability of insurance laws to captive insurance companies. (8/28/2007)
379.1332	Promotion of captive insurance, moneys from dedicated insurance fund to be used. (8/28/2009)
379.1336	Insurance reorganization, receivership and injunctions provisions — applicability to captive insurance companies. (8/28/2007)
379.1338	Standards for risk management of controlled unaffiliated business. (8/28/2007)
379.1339	Conversion to reciprocal insurer, when, procedure. (8/28/2009)
379.1340	Branch captive may be established, when. (8/28/2007)
379.1342	Trust fund required for branch captive insurance company. (8/28/2007)
379.1344	Certificate for branch captive insurance companies. (8/28/2007)
379.1346	Reports and statements of branch captive insurance companies to be filed with director. (8/28/2007)
379.1348	Examination of branch captive insurance companies, limitations. (8/28/2007)
379.1350	Applicability of tax to branch companies. (8/28/2007)
379.1351	Sponsored captive insurance companies, may be formed by whom — definitions — requirements. (8/28/2013)
	SPECIAL PURPOSE LIFE REINSURANCE CAPTIVE
379.1353	Definitions. (8/28/2007)
379.1356	Inapplicability of insurance laws. (8/28/2007)
379.1359	License application — requirements for transaction of business — licensure requirements — issuance of license, fee. (8/28/2007)
379.1361	Plan of operation to be filed, contents. (8/28/2007)
379.1364	License fee, amount. (8/28/2007)
379.1367	Approval of application, findings by director. (8/28/2007)
379.1370	Corporate status of company. (8/28/2007)
379.1373	Limitation on activities and name — number of incorporators required. (8/28/2009)
379.1376	Contract requirements. (8/28/2007)
379.1379	Swap agreements permitted. (8/28/2007)
379.1382	Issuance of securities — approved activities by director. (8/28/2007)
379.1385	Management of assets. (8/28/2007)
379.1388	Recognition of admitted assets — value of assets. (8/28/2009)
379.1391	Prohibited acts. (8/28/2007)
379.1394	Dividend-payments, limitations. (8/28/2007)
379.1397	Changes in plan of operation, directors approval required. (8/28/2007)
379.1400	Affiliated agreements to be filed with director. (8/28/2007)
379.1403	Audited financial report required, requirements. (8/28/2007)
379.1406	Examination required, when, procedure. (8/28/2007)
379.1409	Record-keeping requirements. (8/28/2007)
379.1412	Premium tax required, amount, procedure. (8/28/2009)
379.1415	Confidentiality of records, exceptions. (8/28/2007)
379.1418	Grounds for liquidation — granting of relief, management of assets. (8/28/2007)
379.1421	Rulemaking authority. (8/28/2007)
	PORTABLE ELECTRONICS INSURANCE
379.1500	Definitions. (1/1/2012)
379.1505	Vendor license required — application, fee — termination date. (1/1/2012)
379.1510	Authorization to sell, vendor responsibilities — eligibility and underwriting standards — supervising business entity to be appointed, purpose — training requirements — collection of charges. (6/25/2013)
379.1515	Insurance producers act, applicability of. (1/1/2012)
379.1520	Sanctioning of license, when — penalties, when. (1/1/2012)
379.1525	Vendor investigation and examination requirements. (1/1/2012)
379.1530	Premiums, received by insurer, when — proof of purchase, insurer may require. (1/1/2012)
379.1535	Violations, director's authority. (1/1/2012)
379.1540	Supervising business entity, sanctioning of license, when. (1/1/2012)
379.1545	Insurers, permissible acts. (8/28/2018)
379.1550	Rulemaking authority — effective date. (1/1/2012)
	SELF-SERVICE STORAGE INSURANCE
379.1640	Self-service storage — definitions — offer of insurance, requirements — prohibited acts — limitation on policy amount — rulemaking authority. (8/28/2024)
	TRANSPORTATION NETWORK COMPANY INSURANCE
379.1700	Definitions. (8/28/2016)
379.1702	Primary automobile insurance to be maintained, requirements — lapsed coverage, effect of — proof of insurance required. (8/28/2016)
379.1704	Disclosure of insurance coverage, how made. (8/28/2016)
379.1706	Disclosure statement — display. (8/28/2016)
379.1708	Exclusions and limitations on coverage. (8/28/2016)
	GROUP PERSONAL LINES PROPERTY AND CASUALTY INSURANCE
379.1800	Description of authorized group personal lines property and casualty insurance — requirements. (1/1/2022)
379.1803	Master policy issuance, certificates — content of master policy. (1/1/2022)
379.1806	Basic package of coverages and limits, additional coverages or limits — reduced coverage, when — coverage terminated, when — optional coverages or limits — stacking prohibited. (1/1/2022)
379.1809	Rating plan, master policy premium — rates not unfairly discriminatory, when — experience refunds or dividends, when. (1/1/2022)
379.1812	Loss and expense experience statistics — employee purchase of insurance not required — premium taxes, allocation of premiums. (1/1/2022)
379.1815	Licensure required for agent or broker of policies — exception for certain activities — countersignature requirements prohibited. (1/1/2022)
379.1818	Notice of termination, contents — conversion to individual policy, when — inapplicability. (1/1/2022)
379.1821	Licensure required for issuance of policies — inapplicability to mass marketing and certain policies — rulemaking authority. (1/1/2022)
379.1824	Effective date. (1/1/2022)
	LENDER-PLACED INSURANCE
379.1850	Lender-placed insurance, applicability — exceptions. (8/28/2023)
379.1851	Definitions. (8/28/2023)
379.1853	Effective, when — terminates, when — charges, limitation on length of term. (8/28/2023)
379.1855	Coverage and premiums based on replacement cost value — determined how. (8/28/2023)
379.1857	Prohibited acts. (8/28/2023)
379.1859	Requirements not to be circumvented. (8/28/2023)
379.1861	Individual policy or certificate of insurance — delivery of — information to be included. (8/28/2023)
379.1863	Filing requirements with the department — review of rates — refile required, when — information to be reported annually to department. (8/28/2023)
379.1865	Enforcement by department — no private cause of action. (8/28/2023)
379.1867	Violations, monetary penalty or sanction of license. (8/28/2023)
379.1869	Rulemaking authority. (8/28/2023)

- Cross References
	Acquisition of mechanical data processing system as asset, 375.325
	All license, permit and certificate applications shall contain the Social Security number of the applicant, 324.024
	Buildings constituting nuisances, demolition by ordinances with insurance provisions, duties, 67.410 to 67.412
	Injured employees, insurance, payment of fees and integration of systems of insurers and entities administering claims, department rules not applicable, when, 375.427
	Insurer, defined, 375.932
	Mortgage insurance, restriction, condition, 443.415
	Motor vehicle financial responsibility law, Chap. 303
	Penalty for unauthorized persons or corporation transacting insurance business, 375.310
	Prepaid dental plans, 354.700 to 354.725
	Reconstructed motor vehicle as result of claim and repairs, duty of insurer to notify certain persons, contents, 301.020
	Risk management associations, higher education, institutions, 176.500 to 176.540
	Second mortgages insurance coverage authorized as additional charge, 408.233
	Unfair practices and frauds, 375.930 to 375.948
	Workers' compensation insurance, Chap. 287