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HF 2607

Insurers required to provide copy of current policy to insured.

2025-2026 Regular Session Introduced by John Huot and 2 co-sponsors

Minnesota bill requires insurers to provide policyholders with current policy copies on request, enhancing consumer access to coverage terms and conditions.

Second reading
#commercedepartment #insurance
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Bill Summary · HF 2607

Legislative bill overview

HF 2607 requires insurance companies to provide policyholders with a current, updated copy of their insurance policy upon request. The bill mandates that insurers deliver this copy within a specified timeframe and establishes basic transparency requirements around policy documents.

Why is this important

Many consumers struggle to access complete policy information, making it difficult to understand their coverage, exclusions, and obligations. This bill addresses a practical consumer protection gap by ensuring policyholders can easily review the exact terms governing their insurance coverage without barriers or delays.

Potential points of contention

  • Administrative burden: Insurers may argue that providing policies on-demand creates operational costs, particularly for companies with large customer bases or older digital systems
  • Scope ambiguity: Questions may arise about whether "current policy" includes all amendments, endorsements, and riders, and what constitutes a reasonable delivery timeframe
  • Digital vs. physical copies: Disagreement could emerge over acceptable formats (electronic only, printed upon request, both) and whether delivery costs should fall on insurers or consumers
  • Existing practices: Some insurers already provide this service; they may oppose one-size-fits-all requirements that don't account for existing customer service arrangements

Compiled from official sources — confirm details with the bill’s official record.

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