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Missouri Revised Statutes
Business and Financial Institutions
Insurance Other Than Life
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Section
379.005
Definitions.
Section
379.010
Number of incorporators required — classes of insurance — capital and surplus requirements, phase-in.
Section
379.011
Documents required for insurance transactions or proof of coverage by electronic means permitted, when, requirements — inapplicability.
Section
379.012
Insurance forms and endorsements may be available on insurer's website, when, requirements — rulemaking authority.
Section
379.017
Combined risk policies authorized — single premium may be lower than aggregate coverage rates.
Section
379.025
Plans for formation of companies — name — prohibitions.
Section
379.030
Declaration preliminary to organizing.
Section
379.035
Articles of incorporation for stock companies.
Section
379.040
Declaration, approval, filing — certificate of incorporation — subscription of stock.
Section
379.050
Examination and certification of stocks, by whom.
Section
379.055
Director to give certificate — to be filed — evidence.
Section
379.060
Charter of mutual companies.
Section
379.065
Organization of corporation — procedure — fee.
Section
379.070
Director to examine subscriptions, policyholders' surplus.
Section
379.075
Authority to commence business, when, how issued.
Section
379.080
Capital and surplus of stock or mutual company, investments authorized — violation, penalty.
Section
379.082
Property and liability companies, assets — requirements, standards.
Section
379.083
Insurer investment in investment pools permitted, when — limitations — custodial and pooling agreements.
Section
379.085
Mutual companies doing fire and marine business, agreements and securities — violation, penalty.
Section
379.090
Premium notes, how payable.
Section
379.095
Assessment of premium notes.
Section
379.098
Securities to be deposited by all companies, kind and amount.
Section
379.100
Director to receive deposits.
Section
379.102
Unearned premium and loss reserves, maintained as liabilities.
Section
379.105
Annual reports — contents.
Section
379.108
Form of certificate to be filed with director — definitions — contents — standard forms — false or misleading information prohibited — applicability — fee — violations, effect of — rulemaking authority.
Section
379.110
Definitions.
Section
379.112
Provisions of policy covered.
Section
379.114
Reasons for cancellation.
Section
379.116
Refusal to insure or exclusion of named persons, when.
Section
379.118
Notice of cancellation and renewals, due when — reinstatement, when — exemption, when.
Section
379.120
Explanation of refusal to write a policy, how given, contents — exemption, when.
Section
379.121
Definitions.
Section
379.122
Refusal to issue policy based on the lack of prior motor vehicle coverage prohibited, when — military member protections, notification required.
Section
379.123
Violation deemed unfair trade practice.
Section
379.125
Reinsurance.
Section
379.130
Insurance claims, percentage of fault not to be assigned based solely on operation of a motorcycle.
Section
379.140
Total loss of real property — full amount of policy less any deductible to be paid — inapplicability, when — multiple policies, effect on recovery — commercial buildings, policy covering two or more, recovery amount.
Section
379.150
Partial loss by fire — standard fire insurance policy language, option for settlement of loss.
Section
379.155
Coinsurance provisions declared void — exception.
Section
379.160
Form of policy to be filed — coinsurance clause.
Section
379.165
Construction of warranties of fact made in application.
Section
379.170
Construction of warranties of fact incorporated in policy.
Section
379.175
Evasion of sections prohibited.
Section
379.180
Adjustments and examination of books to be made at place of loss.
Section
379.185
After notice of loss, company to furnish blanks.
Section
379.190
Failure to furnish blank forms deemed waiver.
Section
379.195
Accident insurance liability fixed, when — cancellation prohibited.
Section
379.200
Judgment creditor may collect insurance, when.
Section
379.201
Motor vehicle policies to include coverage of owner and vehicle loaned for demonstration or during repairs.
Section
379.203
Automobile liability policy, required provisions — uninsured motorist coverage required — recovery against tort-feasor, how limited.
Section
379.204
Underinsured motor vehicle coverage, construction of policy.
Section
379.205
Mutual companies other than life and fire insurance.
Section
379.210
Articles of incorporation shall specify what.
Section
379.215
Name must contain the word "mutual".
Section
379.220
Submitted to director — proof of publication — certificate may be issued — amendment of articles.
Section
379.225
Company to have legal existence from date of certificate — insurance in force, when.
Section
379.230
Contracts of insurance and reinsurance.
Section
379.235
License required — conditions to be complied with.
Section
379.240
Who may hold policies.
Section
379.245
Voting power of members.
Section
379.250
Premiums.
Section
379.255
Assets, how invested.
Section
379.257
Deposit of securities required of mutual companies other than life and fire.
Section
379.260
Reserves.
Section
379.263
Mutual companies other than life and fire to file statement of affairs, when.
Section
379.265
Assessments to meet reserve deficiencies.
Section
379.270
Director may advance money.
Section
379.275
Policies need not be countersigned — conditions.
Section
379.290
Tax to be paid upon premiums.
Section
379.295
Returns and assessment to be made by director — collection and disposition of tax by the director of revenue.
Section
379.300
Failure to make return — director to proceed.
Section
379.316
Scope of act (section 379.017 and sections 379.316 to 379.361).
Section
379.318
Rates, how made.
Section
379.321
Rating plans to be filed with director, when — informational filings.
Section
379.323
Rating organization defined — license, application for, contents — subscribers, how treated.
Section
379.326
Deviation, how filed, effective when — open to public inspection.
Section
379.328
Advisory organization defined — required filings — hearings on activities, discontinuance orders.
Section
379.331
Joint underwriting regulated — hearings, discontinuance order, when.
Section
379.333
Insurers may act in concert to make rates.
Section
379.336
Insurers with common management may act in concert to make rates.
Section
379.338
Agreement to adhere prohibited, exception.
Section
379.341
Exchange of information approved.
Section
379.343
Examinations by director, when, how conducted, cost how paid.
Section
379.346
Examination, purpose of — hearing — order.
Section
379.348
Review of rate, rating plan or system, how obtained.
Section
379.351
Approval by director of rules and plans, when — exchange of information with director — director may make rules and regulations.
Section
379.353
Withholding of information or giving false or misleading information prohibited, penalty.
Section
379.356
Excessive premiums and rebates prohibited.
Section
379.359
Commissions paid to brokers or agents not affected.
Section
379.361
Violations, penalties.
Section
379.402
Property and casualty insurance, free or discounted products or services permitted, when — rulemaking authority.
Section
379.404
Commercial property and casualty insurance — rebates, discounts, gifts prohibitions not applicable, exception to exclusion.
Section
379.420
Citation of law.
Section
379.425
Law applicable to certain classes of insurance — exceptions.
Section
379.430
Insurers may act in concert with respect to rates.
Section
379.435
Rating organization defined.
Section
379.440
Rating organization must be licensed — who may apply — content of application.
Section
379.445
Requirements to obtain and retain license.
Section
379.450
Director to grant or deny license.
Section
379.455
Advisory organizations.
Section
379.460
Joint underwriting groups.
Section
379.465
Exchange of information — agreement to rates.
Section
379.470
Provisions governing rates.
Section
379.475
Director to examine — powers — cost — director may accept examination by other state.
Section
379.480
Purpose of examination — hearing — orders.
Section
379.485
Penalties for failure to comply — powers of director.
Section
379.490
May use rating plans or systems.
Section
379.495
Payment of dividends not regulated.
Section
379.500
Freedom of contract for fees not restricted.
Section
379.505
Hearings on orders — notice — rules of pleading and evidence — review — effective date of order.
Section
379.510
Penalty for violation of orders.
Section
379.515
May reorganize and extend corporate existence.
Section
379.520
Content of articles of association.
Section
379.525
Additional requirements for articles of association.
Section
379.530
Special meeting to be called — notice.
Section
379.535
Propositions for reorganization and extension of corporate existence to be voted on.
Section
379.540
Articles to be acknowledged and declaration of proceeding to be made.
Section
379.545
Duty of director.
Section
379.550
Board to accept certificate — file with secretary of state — fee — new board — notify director.
Section
379.555
Examination of company and certificate to do business.
Section
379.560
Value of equitable interests of nonassenting stockholders or policyholders to be paid to them.
Section
379.565
Suit in circuit court to determine value.
Section
379.570
Publication of notice — proceedings.
Section
379.575
Who may appear — proceedings, how governed.
Section
379.580
Costs — by whom paid.
Section
379.585
Company having special charter may accept general insurance laws.
Section
379.590
Content of articles of association.
Section
379.595
Additional requirements of articles of association.
Section
379.600
Special meeting to be called — notice.
Section
379.605
Proposition to surrender to be voted on.
Section
379.610
Acknowledgment and declaration to be made.
Section
379.615
Duty of director.
Section
379.620
Acceptance by resolution of directors.
Section
379.625
Certificate to do business.
Section
379.650
Exchange of reciprocal or interinsurance contracts authorized — classes of insurance allowed.
Section
379.660
Contracts to be executed through attorney in fact.
Section
379.670
Application for license, contents — requirements.
Section
379.680
Service of process on director — method.
Section
379.690
Statement of condition and affairs may be required by director — restriction on liability of members.
Section
379.700
Reserves required.
Section
379.710
Surplus required — claim reserve fund — phase-in of requirements.
Section
379.720
Deficiency how made up — net premium and deposit defined.
Section
379.730
Annual statement of financial condition required.
Section
379.740
Corporations generally empowered to become subscribers.
Section
379.750
Certificate of authority from director required — license may be revoked or suspended — renewal.
Section
379.770
Mergers or consolidation of reciprocal exchanges or interinsurers.
Section
379.780
Exemption from other insurance laws except retaliatory law, and certain enumerated sections.
Section
379.790
Penalty for acting without legal authority.
Section
379.800
Sections 374.030 to 379.790 intended as a continuation of existing law.
Section
379.808
Insurance policies on certain real property — beneficiary deemed insured, duration, others covered not affected, when.
Section
379.810
Program established.
Section
379.815
Definitions.
Section
379.820
Inspections and reports.
Section
379.825
Issuance of policy, when — appointment of liability assumed — expenses — limits on liability.
Section
379.827
Sinkhole loss policies authorized.
Section
379.830
Procedure after inspection and submission.
Section
379.835
Joint reinsurance association.
Section
379.840
Standard policy coverage and rating procedure.
Section
379.845
Cancellation or nonrenewal.
Section
379.850
Right of appeal.
Section
379.855
Commissions.
Section
379.860
Administration of program — governing committee, members, vacancies — immunity from liability, when.
Section
379.865
Annual and special meetings.
Section
379.870
Duties of the committee.
Section
379.875
Statistics to be kept, reports.
Section
379.880
Public education.
Section
379.882
Definitions for sections 379.882 to 379.886.
Section
379.883
Policy cancellation or nonrenewal requirement of sixty days prior to notification — notice content.
Section
379.884
Policyholder's right to history of policy, when.
Section
379.885
Proof of mailing notice of cancellation or nonrenewal.
Section
379.886
Cancellation or nonrenewal of entire line or class of insurance requires ninety days' prior notice to director.
Section
379.888
Definitions for sections 379.888 to 379.893 — notice to insured, when — department to notify insurers.
Section
379.889
Rates not to be excessive, inadequate, or unfairly discriminatory — unfair discrimination defined.
Section
379.890
Rates, rate plan or rate system filing, when — required actuarial data.
Section
379.893
Rules and regulations on modification of rate base, authority of director — procedure.
Section
379.895
Annual report by commercial casualty insurance companies — form — content of report — exceptions.
Section
379.901
Prepaid service plan defined — agent soliciting memberships, disclosures.
Section
379.930
Small employer health insurance availability act — definitions.
Section
379.932
Applicability of act, conditions — treatment as single carrier or separate carrier — ceding agreements prohibited, when.
Section
379.934
Establishment of class of business, reasons — number of classes that may be established — promulgation of rules for period of transition — establishment of additional classes.
Section
379.936
Premium rates, subject to conditions — no transfer out of class of business — disclosure required, contents — rating and renewal records required to be kept.
Section
379.938
Renewability, exceptions — carrier not renewing prohibited from writing new business in market, when — application of section in certain geographic areas.
Section
379.940
Carriers to offer all health plans in market — health benefit plans, requirements — exclusion of coverage for certain employees.
Section
379.946
Board report, contents, recommendations.
Section
379.948
Certain law not to apply to basic health benefit plan.
Section
379.950
Director to promulgate rules, procedure.
Section
379.952
Carriers to market plan coverage — agent or broker, prohibited activities, exception — variance in compensation prohibited, exceptions — carriers, prohibited activities — denial of application, requirements — penalty — applicability to third party administrators.
Section
379.975
Insurer to provide information, when.
Section
379.978
Written disaster plan, insurer to develop, contents.
Section
379.980
Reorganization of domestic mutual insurance company, authority.
Section
379.982
Formation of holding company, application — shareholder approval — issuance of shares.
Section
379.985
Member's interest — nontransference of membership — immunity from liability — assessments, not imposed — security, membership interest.
Section
379.987
Nonapplicability of certain provisions of insurance holding companies law — incorporation of mutual holding company, authority, approval — powers of mutual holding company, engaging in business of insurance, no authority, affiliation and merger agreements.
Section
379.988
Mutual holding company subject to supervision of director, dissolution or liquidation — demutualization.
Section
379.1300
Definitions.
Section
379.1302
Licensure — prohibited acts — requirements for conducting business — application requirements.
Section
379.1304
Adoption of a name, deceptive practice.
Section
379.1306
Capital and surplus requirements.
Section
379.1308
Approval for payment of dividends required.
Section
379.1310
Incorporation as a stock insurer permitted, when.
Section
379.1312
Reports required.
Section
379.1314
Inspections, when.
Section
379.1316
Suspension or revocation of licensure, when.
Section
379.1318
Investment requirements, compliance with.
Section
379.1320
Reinsurance may be provided, when.
Section
379.1322
Rating organizations, company not required to join.
Section
379.1324
Prohibitions on joining or contributing to certain entities and funds.
Section
379.1326
Premium tax imposed, amount, procedure.
Section
379.1328
Rulemaking authority.
Section
379.1330
Inapplicability of insurance laws to captive insurance companies.
Section
379.1332
Promotion of captive insurance, moneys from dedicated insurance fund to be used.
Section
379.1336
Insurance reorganization, receivership and injunctions provisions — applicability to captive insurance companies.
Section
379.1338
Standards for risk management of controlled unaffiliated business.
Section
379.1339
Conversion to reciprocal insurer, when, procedure.
Section
379.1340
Branch captive may be established, when.
Section
379.1342
Trust fund required for branch captive insurance company.
Section
379.1344
Certificate for branch captive insurance companies.
Section
379.1346
Reports and statements of branch captive insurance companies to be filed with director.
Section
379.1348
Examination of branch captive insurance companies, limitations.
Section
379.1350
Applicability of tax to branch companies.
Section
379.1351
Sponsored captive insurance companies, may be formed by whom — definitions — requirements.
Section
379.1353
Definitions.
Section
379.1356
Inapplicability of insurance laws.
Section
379.1359
License application — requirements for transaction of business — licensure requirements — issuance of license, fee.
Section
379.1361
Plan of operation to be filed, contents.
Section
379.1364
License fee, amount.
Section
379.1367
Approval of application, findings by director.
Section
379.1370
Corporate status of company.
Section
379.1373
Limitation on activities and name — number of incorporators required.
Section
379.1376
Contract requirements.
Section
379.1379
Swap agreements permitted.
Section
379.1382
Issuance of securities — approved activities by director.
Section
379.1385
Management of assets.
Section
379.1388
Recognition of admitted assets — value of assets.
Section
379.1391
Prohibited acts.
Section
379.1394
Dividend-payments, limitations.
Section
379.1397
Changes in plan of operation, directors approval required.
Section
379.1400
Affiliated agreements to be filed with director.
Section
379.1403
Audited financial report required, requirements.
Section
379.1406
Examination required, when, procedure.
Section
379.1409
Record-keeping requirements.
Section
379.1412
Premium tax required, amount, procedure.
Section
379.1415
Confidentiality of records, exceptions.
Section
379.1418
Grounds for liquidation — granting of relief, management of assets.
Section
379.1421
Rulemaking authority.
Section
379.1500
Definitions.
Section
379.1505
Vendor license required — application, fee — termination date.
Section
379.1510
Authorization to sell, vendor responsibilities — eligibility and underwriting standards — supervising business entity to be appointed, purpose — training requirements — collection of charges.
Section
379.1515
Insurance producers act, applicability of.
Section
379.1520
Sanctioning of license, when — penalties, when.
Section
379.1525
Vendor investigation and examination requirements.
Section
379.1530
Premiums, received by insurer, when — proof of purchase, insurer may require.
Section
379.1535
Violations, director's authority.
Section
379.1540
Supervising business entity, sanctioning of license, when.
Section
379.1545
Insurers, permissible acts.
Section
379.1550
Rulemaking authority — effective date.
Section
379.1640
Self-service storage--definitions--offer of insurance, requirements--prohibited acts--limitation on policy amount--rulemaking authority.
Section
379.1700
Definitions.
Section
379.1702
Primary automobile insurance to be maintained, requirements — lapsed coverage, effect of — proof of insurance required.
Section
379.1704
Disclosure of insurance coverage, how made.
Section
379.1706
Disclosure statement — display.
Section
379.1708
Exclusions and limitations on coverage.
Section
379.1800
Description of authorized group personal lines property and casualty insurance — requirements.
Section
379.1803
Master policy issuance, certificates — content of master policy.
Section
379.1806
Basic package of coverages and limits, additional coverages or limits — reduced coverage, when — coverage terminated, when — optional coverages or limits — stacking prohibited.
Section
379.1809
Rating plan, master policy premium — rates not unfairly discriminatory, when — experience refunds or dividends, when.
Section
379.1812
Loss and expense experience statistics — employee purchase of insurance not required — premium taxes, allocation of premiums.
Section
379.1815
Licensure required for agent or broker of policies — exception for certain activities — countersignature requirements prohibited.
Section
379.1818
Notice of termination, contents — conversion to individual policy, when — inapplicability.
Section
379.1821
Licensure required for issuance of policies — inapplicability to mass marketing and certain policies — rulemaking authority.
Section
379.1824
Effective date.