Relating to group property and casualty insurance policies.

Contracts

• Personal Lines Master Policies: You must immediately amend these to remove any shared aggregate limits; coverage limits must apply individually to each member.
• Renewal Clauses: Insert provisions in Personal Lines master policies stating coverage cannot be renewed if the group size falls below 10 certificate holders.
• Enroller Agreements: If utilizing unlicensed personnel to enroll members in Personal Lines groups, amend third-party administrator (TPA) or association contracts to explicitly state that no commission or compensation is paid to these individuals for enrollment activities.

Hiring/Training

• Sales Staff (Commercial): Train staff to provide the mandatory "Shared Limit Disclosure" *during the application process*, not at binding.
• Surplus Lines Agents: Retrain filing staff to stop submitting individual certificates to the Stamping Office; only the Master Policy requires filing.

Reporting & Record-Keeping

• Fulfillment Workflows (Critical): Configure systems to deliver both the Certificate of Insurance AND a copy of the Policy to every member within 30 days of issuance/renewal. "Access to a portal" may not satisfy the statutory requirement to "deliver" without further TDI guidance.
• Commercial Disclosures: Implement a mandatory form acknowledging the existence and amount of any shared aggregate limit; retain this in the underwriting file.
• Group Validation: Maintain a permanent compliance file documenting the "preexisting relationship" of any Personal Lines group to prove it was not formed solely to purchase insurance.

Fees & Costs

• Fulfillment Costs: Budget for increased digital transmission or postage costs due to the requirement to deliver full policy documents to every member.
• Filing Fees: Surplus Lines filing fees will now apply at the Master Policy level, eliminating per-certificate filing fees.