ELANY Elaborates
Title | Subject | Description | |
|---|---|---|---|
| Broker Duty of Care |  | Broker Duty of Care | Addresses broker’s duty of care and when it may rise to a “special relationship” with the insured. Explains court rulings that define when brokers may be held to higher standards.  |
| Financial Analysis | | Financial Analysis | Discusses the key financial metrics used to evaluate non-admitted insurers. |
| Going Back to Square One | | Flat Cancellations | Discusses the legal and procedural complexities of flat or retroactive cancellations of excess line insurance policies and provides key considerations for brokers. |
| New York E&S Regulatory Modernization | | Regulatory Modernization | Discusses streamlining affidavit declination requirements and the potential reduction of administrative burdens while preserving consumer protections. |
| Welcome to New York... Whether You Like It or Not | | Jurisdiction of NY Courts Expanded | Highlights how New York courts may assert jurisdiction over insurance policies not issued or delivered in the state. |
| What constitutes earned premium in New York State? | | Earned Premium Analysis | Explains how earned premium is determined under NY law, exploring how policy language, insurer authorization, and various policy provisions affect refund eligibility when policies are canceled midterm. |
| What’s In a Name? | | Agent/Broker Distinctions | Clarifies the legal distinctions between brokers and agents, explains why using the wrong title can lead to regulatory penalties and why this matters when it comes to binding authorities. |
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