Connecticut House Bill HB05450

Connecticut 2023 Regular Session

• Introduced: 1/17/23
• Refer: 1/17/23

Caption

An Act Prohibiting Discrimination In Insurance Underwriting Based On The Breed Of A Homeowner's Dog.

Impact

If enacted, HB 5450 would amend Title 38a of the general statutes, which governs insurance regulations in the state. This change would prevent insurance companies from using the breed of a dog as a determining factor in underwriting decisions or the setting of premiums. The potential impact could lead to more equitable access to homeowners’ insurance, particularly for individuals who own breeds that are often stigmatized or unfairly treated in terms of insurance risk assessments.

Summary

House Bill 5450 aims to address a significant issue in the realm of insurance by prohibiting discrimination in underwriting practices based on the breed of a homeowner's dog. This legislation seeks to protect homeowners from potential biases that could arise from the breed of their pets, reflecting a growing recognition of the need to create fairer insurance practices. The bill is presented with the statement of purpose to unequivocally eliminate breed as a criterion in insurance evaluations, thereby promoting inclusivity and equal treatment among pet owners.

Contention

Despite the bill's focus on promoting fair insurance practices, it is possible that concerns may arise regarding the implications for insurance companies and risk management. Opponents may argue that allowing such discrimination is necessary for insurers to accurately assess risk based on empirical data regarding certain breeds. Thus, the conversation surrounding HB 5450 could unveil a larger debate on balancing consumer protection with the business interests of insurance providers.