Minn. Stat. » CHAPTER 72A. INSURANCE INDUSTRY TRADE PRACTICES
Minnesota Statutes

Minn. Stat. § 72A.19 (2026)

Unfair Methods And Unfair Or Deceptive Acts And Practices

✓ current as of May 2026
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Subdivision 1.Prohibition.

No person shall engage in this state in any trade practice which is defined in sections 72A.17 to 72A.32 as or determined pursuant to sections 72A.17 to 72A.32 to be an unfair method of competition or an unfair or deceptive act or practice in the business of insurance.

Subd. 2.Rulemaking.

The commissioner may, in accordance with chapter 14, promulgate reasonable rules as the commissioner deems necessary to enforce and administer the provisions of this chapter.

Notes of Decisions
Cited in 6 cases (1 in the last 5 years), 1986–2025 · leading case: Morris v. Am. Fam. Mut. Ins. Co., 386 N.W.2d 233 (Minn. 1986).
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Morris v. Am. Fam. Mut. Ins. Co., 386 N.W.2d 233 (Minn. 1986). · cites it 2× “” The Act prohibits unfair or deceptive acts and section 72A.19 empowers the Commissioner of Commerce to make rules and regulations.”
Schermer v. State Farm Fire & Cas. Co., 702 N.W.2d 898 (Minn. Ct. App. 2005). · cites it 2× “Minn. Stat. § 72A.19, subd. 1 (2004). Subdivision 13 of section 72A.”
Am. Cas. Co. of Reading v. Bank of Montana Sys., 675 F. Supp. 538 (D. Minnesota 1987). · cites it 2× “Here an outcome determinative conflict exists because Minnesota neither permits a private cause of action under its Unfair Insurance Practices Act, Minn.Stat. §§ 72A.19, 72A.20 nor permits a bad faith tort action to be brought against an insurer for breach of an insurance policy…”
State Ex Rel. Hatch v. Am. Fam. Mut. Ins. Co., 609 N.W.2d 1 (Minn. Ct. App. 2000). · cites it 2× “The commissioner has the specific power to investigate allegations against insurance companies of unfair trade practices prohibited by section 72A.19. Minn.Stat. § 72A.21 (1998).”
Austin Prods. Co. v. Workers' Comp. Insurers' Rating Ass'n of Minnesota, 867 F.2d 1552 (8th Cir. 1989). “Minn.Stat. § 72A.19 (1984) states in part: Unfair methods and unfair or deceptive acts and practices prohibited Subdivision 1.”
Sherrie Ann Williams v. Midwest Bonding (Minn. Ct. App. 2025). · cites it 2× “44 (2024), 3 which prohibits deceptive trade practices; and Minn. Stat. §§ 72A.19, .494 (2024), 4 which prohibits unfair and deceptive practices in insurance and outlines notice requirements for insurance agents.”
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