N.Y. Laws » CHAPTER Insurance / ARTICLE Insurance Contracts - General
New York Consolidated Laws

N.Y. Insurance Law § 3101 (2026)

Simplified comprehensive policies of insurance

✓ text as retrieved May 2026 (this copy records no edition or section history)
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§ 3101. Simplified comprehensive policies of insurance. Simplified
policies of insurance providing broad coverage of all or various
combinations of risks may be approved by the superintendent and issued
by insurers notwithstanding any provision of this chapter, and
notwithstanding those provisions of any other law which specify the
content of insurance policies, provided that such policies shall be
subject to regulations promulgated by the superintendent specifying the
standards which must be met by insurers for issuing such policies and
assuring to policyholders and claimants protections not less favorable
than they would be entitled to under a substantially similar policy
which is not subject to this section.
Notes of Decisions
Cited in 2 cases (1 in the last 5 years), 2003–2024 · leading case: Hassett v. New York Cent. Mut. Fire Ins., 302 A.D.2d 886 (N.Y. App. Div. 4th Dep't 2003).
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Hassett v. New York Cent. Mut. Fire Ins., 302 A.D.2d 886 (N.Y. App. Div. 4th Dep't 2003). “In addition, the court further properly determined that the proposed causes of action concerning the 1996 claim were time-barred and thus properly refused to allow plaintiff to amend the amended complaint to assert causes of action concerning that claim (see Insurance Law §…”
Air-Sea Packing Grp., Inc. v. Applied Underwriters, Inc., 228 A.D.3d 20 (N.Y. App. Div. 2d Dep't 2024). “, 887 F3d 567, 575 [2d Cir] [Insurance Law § 3101, dealing with insurance contracts generally, "appears to have been enacted with the purpose of protecting insureds, not insurance companies"]).”
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