Texas 2019 - 86th Regular

Texas House Bill HB2587 Compare Versions

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Old	New		Differences
1		-	H.B. No. 2587
	1	+	By: Lucio III (Senate Sponsor - Paxton) H.B. No. 2587
	2	+	(In the Senate - Received from the House April 23, 2019;
	3	+	April 24, 2019, read first time and referred to Committee on
	4	+	Business & Commerce; May 20, 2019, reported favorably by the
	5	+	following vote: Yeas 8, Nays 0; May 20, 2019, sent to printer.)
	6	+	Click here to see the committee vote
2	7
3	8
	9	+	A BILL TO BE ENTITLED
4	10		AN ACT
5	11		relating to the business of travel insurance.
6	12		BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:
7	13		SECTION 1. Title 12, Insurance Code, is amended by adding
8	14		Chapter 3504 to read as follows:
9	15		CHAPTER 3504. TRAVEL INSURANCE
10	16		Sec. 3504.0001. DEFINITIONS. In this chapter:
11		-	(1) "Aggregator site" means ~~an Internet~~ website that
12		-	~~provides~~ access to information regarding insurance products from
13		-	~~more than~~ one insurer, including product and insurer information,
14		-	~~for use in~~ comparison shopping.
	17	+	(1) "Aggregator site" means a website that provides
	18	+	access to information regarding insurance products from more than
	19	+	one insurer, including product and insurer information, for use in
	20	+	comparison shopping.
15	21		(2) "Blanket travel insurance" means a policy of
16	22		travel insurance issued to an eligible group that provides coverage
17	23		for specific classes of persons with coverage provided to each
18	24		member of the eligible group defined in the policy without a
19	25		separate charge to individual members of the eligible group.
20	26		(3) "Cancellation fee waiver" means a contractual
21	27		agreement between a supplier of travel services and the supplier's
22	28		customer to waive some or all of the nonrefundable cancellation fee
23	29		provisions of the supplier's underlying travel contract with or
24	30		without regard to the reason for the cancellation or form of
25	31		reimbursement. A cancellation fee waiver is not insurance.
26	32		(4) "Eligible group" means two or more persons who are
27	33		engaged in a common enterprise or have an economic, educational, or
28	34		social affinity or relationship, including any of the following:
29	35		(A) an entity engaged in the business of
30	36		providing travel or travel services, including a tour operator, a
31	37		lodging provider, a vacation property owner, a hotel or resort, a
32	38		travel club, a travel agency, a property manager, a cultural
33	39		exchange program, and a common carrier or the operator, owner, or
34	40		lessor of a means of transportation of passengers, including an
35	41		airline, a cruise line, a railroad, a steamship company, and a
36	42		public bus carrier, wherein with regard to any particular travel or
37	43		type of travel or travelers, all members or customers of the group
38	44		must have a common exposure to risk attendant to the travel;
39	45		(B) a college, school, or other institution of
40	46		learning covering students, teachers, employees, or volunteers;
41	47		(C) an employer covering a board of directors or
42	48		a group of employees, volunteers, contractors, dependents, or
43	49		guests;
44	50		(D) a sports team or camp or sponsor of a team or
45	51		camp covering participants, members, campers, employees,
46	52		officials, supervisors, or volunteers;
47	53		(E) a religious, charitable, recreational,
48	54		educational, or civic organization or branch of the organization
49	55		covering members, participants, or volunteers;
50	56		(F) a financial institution or financial
51	57		institution vendor or a parent holding company, trustee, or agent
52	58		or designee of a financial institution or financial institution
53	59		vendor covering persons, including account holders, credit card
54	60		holders, debtors, guarantors, or purchasers;
55	61		(G) an incorporated or unincorporated
56	62		association, including a labor union that has a common interest,
57	63		constitution, and bylaws, organized and maintained in good faith
58	64		for a purpose other than obtaining insurance for the association's
59	65		members or participants;
60	66		(H) a trust, or the trustees of a fund,
61	67		established, created, or maintained for the benefit of and covering
62	68		members, employees, or customers of one or more associations
63	69		meeting the requirements of Paragraph (G), subject to the
64	70		commissioner's approval and the state premium tax provisions of
65		-	Section 3504.~~0004~~;
	71	+	Section 3504.0005;
66	72		(I) an entertainment production company covering
67	73		a group of participants, volunteers, audience members,
68	74		contestants, or workers;
69	75		(J) a volunteer fire department or an ambulance,
70	76		rescue, police, court, first aid, or civil defense volunteer group
71	77		or other similar volunteer group;
72		-	(K) a preschool, a ~~day-care facility~~ for ~~children~~
73		-	or adults, or a senior citizen club;
	78	+	(K) a preschool, a daycare institution for
	79	+	children or adults, or a senior citizen club;
74	80		(L) an automobile or truck rental or leasing
75	81		company covering a group of individuals who may become renters,
76	82		lessees, or passengers defined by the individual's status on the
77	83		rented or leased vehicles, in which circumstance the common
78	84		carrier, the operator, owner, or lessor of a means of
79	85		transportation, or the automobile or truck rental or leasing
80	86		company is the policyholder; or
81	87		(M) any other group with respect to which the
82	88		commissioner has determined:
83	89		(i) the members are engaged in a common
84	90		enterprise or have an economic, educational, or social affinity or
85	91		relationship; and
86	92		(ii) issuance of the policy is not contrary
87	93		to the public interest.
88	94		(5) "Fulfillment materials" means documentation sent
89	95		to the purchaser of a travel protection plan that confirms the
90	96		purchase and provides the travel protection plan's coverage and
91	97		assistance details.
92	98		(6) "Group travel insurance" means travel insurance
93	99		issued to an eligible group.
94	100		(7) "Planned trip" or "planned travel" means any
95	101		journey or travel arranged through the services of a travel agency.
96	102		(8) "Primary certificate holder," specific to Section
97		-	3504.~~0004~~, means an individual who elects and purchases travel
	103	+	3504.0005, means an individual who elects and purchases travel
98	104		insurance under a group policy.
99	105		(9) "Primary policyholder," specific to Section
100		-	3504.~~0004~~, means an individual who elects and purchases individual
	106	+	3504.0005, means an individual who elects and purchases individual
101	107		travel insurance.
102	108		(10) "Travel assistance services" means noninsurance
103	109		services that do not indemnify the consumer based on a fortuitous
104	110		event or result in the transfer or shifting of risk constituting the
105	111		business of insurance. Travel assistance services include security
106	112		advisories, destination information, vaccination and immunization
107	113		information services, travel reservation services, entertainment,
108	114		activity and event planning, translation assistance, emergency
109	115		messaging, international legal and medical referrals, medical case
110	116		monitoring, coordination of transportation arrangements, emergency
111	117		cash transfer assistance, medical prescription replacement
112	118		assistance, passport and travel document replacement assistance,
113	119		lost luggage assistance, concierge services, and any other service
114	120		that is furnished in connection with planned travel. Travel
115		-	assistance services are not insurance and are not related to
116		-	insurance.
	121	+	assistance services are not insurance and not related to insurance.
117	122		(11) "Travel insurance" means insurance coverage for
118	123		personal risks incident to planned travel, including:
119	124		(A) interruption or cancellation of a trip or
120	125		event;
121	126		(B) loss of baggage or personal effects;
122	127		(C) damages to accommodations or rental
123	128		vehicles;
124	129		(D) sickness, accident, disability, or death
125	130		occurring during travel;
126	131		(E) emergency evacuation;
127	132		(F) repatriation of remains; or
128	133		(G) any other contractual obligations to
129	134		indemnify or pay a specified amount to the traveler on determinable
130	135		contingencies related to travel as approved by the commissioner.
131	136		Travel insurance does not include a major medical plan that
132	137		provides comprehensive medical protection for a traveler on a trip
133	138		of longer than six months, such as an individual working or residing
134	139		overseas as an expatriate, or any other insurance product that must
135	140		be sold by an agent with a specific agent's license.
136	141		(12) "Travel protection plan" means a plan that
137	142		provides one or more of the following:
138	143		(A) travel insurance;
139	144		(B) travel assistance services; and
140	145		(C) cancellation fee waivers.
141	146		Sec. 3504.0002. APPLICABILITY. (a) This chapter applies
142	147		to a travel insurance policy or certificate that:
143	148		(1) provides coverage to a resident of this state or is
144	149		sold, solicited, negotiated, or offered in this state; and
145	150		(2) is delivered or issued for delivery in this state.
146	151		(b) This chapter does not apply to a cancellation fee waiver
147	152		or travel assistance service except as expressly provided in this
148	153		chapter.
149		-	Sec. 3504.0003. LINE OF INSURANCE. (a) Except as provided
150		-	by Subsection (b) and notwithstanding any other provision of this
151		-	code, travel insurance is classified and filed for purposes of
152		-	rates and forms under an inland marine line of insurance.
	154	+	Sec. 3504.0003. CONFLICT OF LAWS. This chapter prevails to
	155	+	the extent of any conflict with another provision of this code.
	156	+	Sec. 3504.0004. LINE OF INSURANCE. (a) Notwithstanding
	157	+	any other provision of this code, travel insurance is classified
	158	+	and filed for purposes of rates and forms under an inland marine
	159	+	line of insurance, except as provided by Subsection (b).
153	160		(b) Travel insurance that provides coverage for sickness,
154	161		accident, disability, or death occurring during travel,
155	162		exclusively or in conjunction with related coverage for emergency
156	163		evacuation, repatriation of remains, or incidental limited
157	164		property and casualty benefits, including baggage or trip
158	165		cancellation, may be filed by an authorized insurer under an
159	166		accident and health line of insurance or an inland marine line of
160	167		insurance.
161	168		(c) Eligibility and underwriting standards for travel
162	169		insurance may be developed and provided based on travel protection
163	170		plans designed for individual or identified marketing or
164	171		distribution channels if the standards meet underwriting standards
165	172		for an inland marine line of insurance.
166		-	Sec. 3504.~~0004~~. PREMIUM TAX. (a) A travel insurer shall
	173	+	Sec. 3504.0005. PREMIUM TAX. (a) A travel insurer shall
167	174		pay premium tax, as provided by Section 221.002, on travel
168	175		insurance premiums paid by any of the following:
169	176		(1) an individual primary policyholder who is a
170	177		resident of this state;
171	178		(2) a primary certificate holder who is a resident of
172	179		this state and elects and purchases coverage under a group travel
173	180		insurance policy; or
174		-	(3) a blanket travel insurance policyholder who buys a
175		-	blanket travel insurance policy for members of an eligible group
176		-	if:
	181	+	(3) subject to apportionment of premium in accordance
	182	+	with Chapter 229 or other law, a blanket travel insurance
	183	+	policyholder who buys a blanket travel insurance policy in this
	184	+	state for members of the eligible group if:
177	185		(A) the policyholder is a resident of this state;
178		-	or
179	186		(B) the policyholder's principal place of
180		-	business is located in this state.
	187	+	business is located in this state; or
	188	+	(C) the principal place of business of an
	189	+	affiliate or subsidiary of the policyholder is located in this
	190	+	state.
181	191		(b) A travel insurer shall:
182	192		(1) document the state of residence or principal place
183	193		of business of the policyholder or certificate holder described by
184	194		Subsection (a); and
185		-	(2) report as premium:
186		-	(A) only the amount allocable to travel insurance
187		-	and not amounts received for travel assistance services or
188		-	cancellation fee waivers; and
189		-	(B) only the amount allocable to residents of
190		-	this state.
	195	+	(2) report as premium only the amount allocable to
	196	+	travel insurance and not amounts received for travel assistance
	197	+	services or cancellation fee waivers.
191	198		(c) Amounts received for travel assistance services and
192	199		cancellation fee waivers, whether the travel assistance services
193	200		and cancellation waivers are offered separately or for a combined
194		-	price authorized by Section 3504.~~0005~~, are not subject to taxation
	201	+	price authorized by Section 3504.0006, are not subject to taxation
195	202		under Section 221.002(b).
196		-	Sec. 3504.~~0005~~. TRAVEL PROTECTION PLANS. A travel
	203	+	Sec. 3504.0006. TRAVEL PROTECTION PLANS. A travel
197	204		protection plan composed of multiple features may be offered for a
198	205		combined price if:
199		-	(1) at the time or before the consumer buys the ~~travel~~
200		-	protection plan it is clearly disclosed to the consumer that ~~the~~
201		-	plan includes travel insurance, travel assistance services, and
202		-	cancellation fee waivers, as applicable, and ~~provides information~~
203		-	~~and an~~ opportunity for the consumer to obtain additional
	206	+	(1) at the time of or before the consumer buys the
	207	+	travel protection plan it is clearly disclosed to the consumer that
	208	+	the plan includes travel insurance, travel assistance services, and
	209	+	cancellation fee waivers, as applicable, and information and an
	210	+	opportunity is provided for the consumer to obtain additional
204	211		information regarding the features and the pricing of each feature;
205	212		and
206	213		(2) the fulfillment materials:
207	214		(A) describe the travel insurance, travel
208	215		assistance services, and cancellation fee waivers in the travel
209	216		protection plan; and
210	217		(B) include the travel insurance disclosures and
211	218		the contact information for persons providing travel assistance
212	219		services and cancellation fee waivers, as applicable.
213		-	Sec. 3504.~~0006~~. SALES PRACTICES; PROHIBITED PRACTICES. (a)
	220	+	Sec. 3504.0007. SALES PRACTICES; PROHIBITED PRACTICES. (a)
214	221		Offering or selling a travel insurance policy that could never
215	222		result in payment of a claim for an insured under the policy is an
216	223		unfair trade practice under Subtitle C, Title 5.
217	224		(b) All documents provided to a consumer before the purchase
218	225		of travel insurance, including sales materials, advertising
219	226		materials, and marketing materials, must be consistent with the
220	227		travel insurance policy, including forms, endorsements, policies,
221	228		rate filings, and certificates of insurance.
222	229		(c) Before the consumer buys travel insurance and
223	230		subsequently in the fulfillment materials, the consumer must be
224	231		provided information about any preexisting condition exclusion
225	232		that is included in the travel insurance policy or certificate. The
226	233		consumer must have the opportunity to learn more about the
227	234		exclusion.
228	235		(d) The fulfillment materials and the information described
229	236		in Section 4055.154(a) must be provided to a policyholder or
230	237		certificate holder as soon as practicable after the purchase of a
231	238		travel protection plan. Unless the policyholder or certificate
232	239		holder has started a covered trip or filed a claim under the travel
233	240		insurance coverage, the policyholder or certificate holder may
234	241		cancel a policy or certificate for a full refund of the travel
235	242		protection plan price. The policyholder or certificate holder must
236	243		exercise the right to cancel a travel protection plan before:
237	244		(1) the 15th day after the date of delivery of the
238	245		travel protection plan's fulfillment materials by United States
239	246		mail or a later date specified by the plan; or
240	247		(2) the 10th day after the date of delivery of the
241	248		travel protection plan's fulfillment materials by means other than
242	249		United States mail or a later date specified by the plan.
243	250		(e) For the purposes of this section, delivery means handing
244	251		fulfillment materials to the policyholder or certificate holder or
245	252		sending fulfillment materials by United States mail or electronic
246	253		means to the policyholder or certificate holder.
247	254		(f) The company shall disclose in the policy documentation
248	255		and fulfillment materials if the travel insurance is primary or
249	256		secondary to other applicable coverage.
250	257		(g) If travel insurance is marketed directly to a consumer
251		-	through an insurer's ~~Internet~~ website or by others through an
252		-	~~aggregator~~ site, it is not an unfair trade practice or other
253		-	~~violation of law~~ if:
	258	+	through an insurer's website or by others through an aggregator
	259	+	site, it is not an unfair trade practice or other violation of law
	260	+	if:
254	261		(1) an accurate summary or short description of
255		-	coverage is provided on the ~~Internet~~ website; and
	262	+	coverage is provided on the website; and
256	263		(2) the consumer has access to the full provisions of
257	264		the policy through electronic means.
258	265		(h) A person offering, soliciting, or negotiating travel
259	266		insurance or travel protection plans on an individual or group
260		-	basis may not do so by using a negative option or opt out that
	267	+	basis may not do so by using negative option or opt out that
261	268		requires a consumer to take an affirmative action to deselect
262	269		coverage, such as unchecking a box on an electronic form, when the
263	270		consumer purchases a trip.
264	271		(i) It is an unfair trade practice to market blanket travel
265	272		insurance coverage as free.
266	273		(j) If a consumer's destination jurisdiction requires
267	274		insurance coverage, it is not an unfair trade practice to require
268	275		that a consumer choose between the following options as a condition
269	276		of purchasing a trip or travel package:
270	277		(1) purchasing the coverage required by the
271	278		destination jurisdiction through the travel retailer or
272	279		supervising entity supplying the trip or travel package; or
273	280		(2) agreeing to obtain and provide proof of coverage
274	281		that meets the destination jurisdiction's requirements before
275	282		departure.
276		-	Sec. 3504.0007. RULEMAKING. (a) The commissioner may
277		-	adopt rules necessary to implement this chapter. Section
278		-	2001.0045, Government Code, does not apply to rules adopted under
279		-	this section.
280		-	(b) The comptroller, in consultation with the commissioner,
281		-	may adopt rules to implement this chapter.
	283	+	Sec. 3504.0008. RULEMAKING. The commissioner shall adopt
	284	+	rules necessary to implement this chapter. Section 2001.0045,
	285	+	Government Code, does not apply to rules adopted under this
	286	+	section.
282	287		SECTION 2. Section 4055.151, Insurance Code, is amended by
283	288		amending Subdivision (1) and adding Subdivisions (1-a) and (1-c) to
284	289		read as follows:
285	290		(1) "Offer and disseminate" means to:
286	291		(A) provide general information, including the
287	292		price and a description of the coverage; and
288	293		(B) process the application and collect
289	294		premiums.
290	295		(1-a) "Planned trip" means any journey or travel
291	296		arranged through the services of a travel agency.
292		-	(1-c) "Travel administrator" means a person who
293		-	directly or indirectly underwrites, collects a charge, ~~collateral,~~
294		-	or premium from, or adjusts or settles a claim of, a ~~resident of~~
295		-	this state in connection with travel insurance. A ~~person is not a~~
296		-	travel administrator if the person's only actions ~~that would~~
297		-	otherwise cause the person to be considered a travel ~~administrator~~
298		-	include:
	297	+	(1-c) "Travel administrator" means a person who,
	298	+	directly or indirectly, underwrites, collects a charge,
	299	+	collateral, or a premium from, or adjusts or settles a claim of a
	300	+	resident of this state in connection with travel insurance. A
	301	+	person is not a travel administrator if the person's only actions
	302	+	that would otherwise cause the person to be considered a travel
	303	+	administrator include:
299	304		(A) the person working for a travel administrator
300	305		to the extent the person's activities are subject to the
301	306		supervision and control of the travel administrator;
302	307		(B) an insurance agent selling insurance or
303	308		engaged in administrative and claims-related activities within the
304	309		scope of the agent's license;
305	310		(C) a travel retailer, registered under the
306	311		license of a supervising entity in accordance with this subchapter,
307	312		offering and disseminating travel insurance;
308	313		(D) an individual adjusting or settling claims in
309	314		the normal course of the individual's practice or employment as an
310	315		attorney and who does not collect charges or premiums in connection
311	316		with insurance coverage; or
312	317		(E) a business entity that is affiliated with a
313	318		licensed insurer acting as a travel administrator for the direct
314	319		and assumed insurance business of an affiliated insurer.
315	320		SECTION 3. Sections 4055.1515, 4055.153, and 4055.154,
316	321		Insurance Code, are amended to read as follows:
317	322		Sec. 4055.1515. TRAVEL INSURANCE SUPERVISING ENTITY AND
318	323		TRAVEL ADMINISTRATOR. (a) An insurer authorized to engage in the
319	324		business of travel insurance in this state may designate a travel
320	325		insurance supervising entity for purposes of this subchapter. The
321	326		supervising entity must be:
322	327		(1) a licensed managing general agent;
323	328		(2) a licensed third-party administrator; [or]
324	329		(3) a licensed insurance agent, including a specialty
325	330		license holder and a person described by Section 4055.002(a); or
326	331		(4) a travel administrator.
327	332		(b) Notwithstanding any other provisions of this code, a
328	333		person may not act or represent the person as a travel administrator
329	334		for travel insurance unless the person is:
330	335		(1) a licensed property and casualty insurance agent;
331	336		(2) a licensed managing general agent; or
332	337		(3) a third-party administrator engaging in the
333	338		business of insurance in this state under a certificate of
334	339		authority.
335	340		(c) A travel administrator and a travel administrator's
336	341		employees are exempt from the licensing requirements under Chapter
337	342		4101 with respect to travel insurance.
338	343		(d) An insurer is responsible for the acts of a travel
339	344		administrator administering travel insurance underwritten by the
340	345		insurer. The insurer must ensure that the travel administrator
341	346		maintains all books and records relevant to the insurer and makes
342	347		the books and records available to the department on request of the
343	348		commissioner.
344	349		Sec. 4055.153. AUTHORITY OF TRAVEL RETAILER. [(a)] A
345	350		travel retailer may offer and disseminate travel insurance as a
346	351		service to the retailer's customers on behalf of and under the
347	352		license and direction of a supervising entity only:
348	353		(1) in connection with the sale or arrangement of
349	354		transportation, accommodations, or events for travelers; and
350	355		(2) with respect to travel insurance [that includes:
351	356		[(A) accident and health insurance that provides
352	357		coverage to a traveler for accidental death or dismemberment and
353	358		for medical expenses resulting from an accident or sickness
354	359		involving the traveler that occurs during the planned trip;
355	360		[(B) insurance that provides coverage to a
356	361		traveler for expenses incurred as a result of trip cancellation or
357	362		interruption of a planned trip or event;
358	363		[(C) personal effects insurance that provides
359	364		coverage to a traveler for loss of or damage to personal effects
360	365		during the planned trip or event;
361	366		[(D) insurance that provides coverage for damage
362	367		to accommodations or rental vehicles; or
363	368		[(E) any other coverage the commissioner
364	369		approves as meaningful and appropriate in connection with the
365	370		transportation or accommodations arranged through a travel
366	371		agency].
367	372		[(b) Travel insurance does not include major medical
368	373		expense coverage for a traveler on a planned trip for six months or
369	374		more, including:
370	375		[(1) an individual working abroad;
371	376		[(2) an expatriate; and
372	377		[(3) a military service member on deployment.]
373	378		Sec. 4055.154. TRAVEL INSURANCE GENERALLY. (a) A travel
374	379		retailer, or the supervising entity, shall provide to a traveler
375	380		seeking to purchase travel insurance:
376	381		(1) a description of the material terms or the actual
377	382		terms of the insurance coverage;
378	383		(2) a description of the claims filing process;
379	384		(3) a description of the review and cancellation
380	385		process for the travel insurance policy; and
381	386		(4) the name and contact information for the insurer
382	387		and the supervising entity.
383	388		(b) Travel insurance coverage may be provided under an
384		-	individual [~~policy] or [a] group insurance~~ policy or a blanket
385		-	~~travel insurance [master] policy, as~~ defined by Section 3504.0001.
	389	+	individual, [policy or a] group, or blanket [master] policy as
	390	+	defined by Section 3504.0001.
386	391		SECTION 4. Section 4055.155, Insurance Code, is amended by
387	392		amending Subsection (e) and adding Subsections (g-1) and (j) to
388	393		read as follows:
389	394		(e) The supervising entity must certify in a form prescribed
390	395		by the commissioner by rule that each registered travel retailer is
391	396		in compliance with 18 U.S.C. Section 1033. The grounds for
392	397		suspension or revocation and the penalties that apply to a resident
393	398		insurance agent apply to a supervising entity and travel retailer.
394	399		(g-1) The supervising entity shall pay all applicable
395	400		licensing fees required by state law with respect to travel
396	401		insurance.
397	402		(j) Any person licensed in a major line of authority, as
398	403		determined by the commissioner, as an insurance agent may sell,
399	404		solicit, and negotiate travel insurance. A property and casualty
400	405		insurance agent is not required to be appointed by an insurer to
401	406		sell, solicit, or negotiate travel insurance.
402	407		SECTION 5. Subchapter D, Chapter 4055, Insurance Code, is
403	408		amended by adding Section 4055.158 to read as follows:
404	409		Sec. 4055.158. RULEMAKING. The commissioner shall adopt
405	410		rules necessary to implement this subchapter. Section 2001.0045,
406	411		Government Code, does not apply to rules adopted under this
407	412		section.
408	413		SECTION 6. Section 221.002(b), Insurance Code, is amended
409	414		to read as follows:
410	415		(b) Except as provided by Subsection (c), in determining an
411	416		insurer's taxable premium receipts, the insurer shall include the
412	417		total gross amounts of premiums, membership fees, assessments,
413	418		dues, revenues, and any other considerations for insurance written
414	419		by the insurer in a calendar year from any kind of insurance written
415	420		by the insurer on each kind of property or risk located in this
416	421		state, including:
417	422		(1) fire insurance;
418	423		(2) ocean marine insurance;
419	424		(3) inland marine insurance;
420	425		(4) accident insurance;
421	426		(5) credit insurance;
422	427		(6) livestock insurance;
423	428		(7) fidelity insurance;
424	429		(8) guaranty insurance;
425	430		(9) surety insurance;
426	431		(10) casualty insurance;
427	432		(11) workers' compensation insurance;
428	433		(12) employers' liability insurance;
429	434		(13) crop insurance written by a farm mutual insurance
430	435		company; [and]
431	436		(14) home warranty insurance; and
432	437		(15) travel insurance.
433	438		SECTION 7. This Act takes effect September 1, 2019.
434		-	______________________________ ______________________________
435		-	President of the Senate Speaker of the House
436		-	I certify that H.B. No. 2587 was passed by the House on April
437		-	18, 2019, by the following vote: Yeas 141, Nays 6, 2 present, not
438		-	voting; and that the House concurred in Senate amendments to H.B.
439		-	No. 2587 on May 24, 2019, by the following vote: Yeas 111, Nays 29,
440		-	2 present, not voting.
441		-	______________________________
442		-	Chief Clerk of the House
443		-	I certify that H.B. No. 2587 was passed by the Senate, with
444		-	amendments, on May 21, 2019, by the following vote: Yeas 30, Nays
445		-	1.
446		-	______________________________
447		-	Secretary of the Senate
448		-	APPROVED: __________________
449		-	Date
450		-	__________________
451		-	Governor
	439	+	* * * * *