Relating to prohibiting insurers from requiring the tying of residential property and personal automobile insurance policies.

Contracts

• Agency Agreements: Review Master Service Agreements (MSAs). Clauses requiring agents to maintain specific "bundle ratios" to retain appointment must be reviewed to ensure they do not pressure agents into violating the statutory ban on refusing monoline business.
• Vendor/TPA Agreements: If you utilize third-party underwriting software or administrators, issue a directive immediately requiring them to update their logic to permit standalone policy issuance.

Hiring/Training

• Sales Scripts: Sales staff and agents must be retrained. They may aggressively market the *price advantage* of bundling, but they are legally barred from stating or implying that *availability* of coverage depends on the companion policy.
• Underwriting Logic: Underwriters must be trained to evaluate risks independently. "Lack of supporting business" is no longer a valid underwriting criterion for rejection or non-renewal.

Reporting & Record-Keeping

• Declination Codes: Audit your policy administration system immediately. You must ensure that no application is rejected with a system code equivalent to "Failure to Bundle" or "No Companion Policy."
• Audit Trails: If a standalone policy is rejected, the file must explicitly document the *independent* underwriting reason for rejection (e.g., claims history, property condition) to withstand a TDI market conduct exam.

Fees & Costs

• IT Remediation: Budget for immediate software updates. Online quoting engines and agent portals often have "hard stops" preventing a quote without a companion policy number; these must be recoded.
• Rate Filings: Ensure you have active, filed rates for standalone (monoline) products if you previously only wrote bundled business.