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Bill

S 5267

Prohibits property/casualty insurers from discrimination

2025 Regular Session Introduced by Jamaal Bailey

Prohibits property/casualty insurers from discriminatory underwriting or pricing, expanding fair access to insurance for consumers.

REFERRED TO INSURANCE
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WeVote Research Nonpartisan
Bill Summary · S 5267

Summary: S 5267 — Prohibits property/casualty insurers from discrimination

Basic bill information

  • Bill number: S 5267
  • Title: Prohibits property/casualty insurers from discrimination
  • Sponsor: Jamaal Bailey (primary)
  • Status: Referred to Insurance (introduced February 20, 2025). The record shows two entries for “REFERRED TO INSURANCE,” indicating committee referral actions on that date.
  • Related bills: S 7473 (prior-session)

Purpose and intent

The bill’s stated purpose, as indicated by the title, is to prohibit discrimination by property/casualty insurers. This suggests an aim to ensure fair access to insurance products and terms across consumers. The exact definitions, scope, and limitations of the prohibition are not provided in the materials available for this summary.

Key provisions (not available in provided text)

The specific provisions, definitions, and enforcement mechanisms are not included in the materials you shared. A complete bill text would typically address:
- How “discrimination” is defined and what practices are restricted (e.g., underwriting, pricing, eligibility, coverage terms).
- Any permissible criteria or actuarial justification exceptions.
- Enforcement mechanisms, penalties, and remedies for violations.
- Exemptions (if any) and regulatory oversight details.
- Effective date and transition provisions.

Because the full text is not provided, the above items are not enumerated here as enacted provisions.

Potential impact (contextual considerations)

Based on the bill’s goal to prohibit discrimination by property/casualty insurers, potential impacts could include:
- Improved access to insurance products for individuals who might otherwise face discriminatory underwriting or pricing.
- Changes to underwriting practices or pricing strategies, depending on the definitions of discrimination and any permissible actuarial criteria.
- Increased regulatory scrutiny of insurer practices and potential compliance costs for insurers to adapt policies and procedures.
- Greater clarity for consumers on protections against discriminatory treatment in property/c casualty insurance.

Note: These impacts are speculative and depend on the final, enacted text of the bill.

Affected parties

  • Primary: Property/casualty insurers and their underwriting/pricing departments.
  • Secondary: Consumers seeking property/casualty insurance who could benefit from nondiscriminatory practices; insurance agents/brokers who facilitate policy issuance.

Procedural and timeline notes

  • Introduced: February 20, 2025.
  • Status: Referred to the Insurance committee on the same date (duplicate entry in the record).
  • Next steps: The bill would proceed through committee consideration, potential amendments, and, if advanced, floor action and votes. The absent bill text limits detail on exact deadlines or schedule.

Next steps for readers

  • Obtain the full bill text to review precise definitions, prohibitions, exemptions, enforcement, and penalties.
  • Monitor committee hearings and amendments in the Insurance committee for S 5267.
  • Review accompanying analyses from sponsors and any fiscal notes or impact statements.

If you can provide the bill’s text or a link to the legislation, I can produce a more detailed, provision-by-provision summary.

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

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