State statute · New York
New York Insurance Law Article 5 -- Certificates of Insurance, complete
art. 5 ss. 501-504
Edition and licensing notes
Publisher. New York State Legislative Bill Drafting Commission (public.leginfo.state.ny.us)
Edition. Consolidated Laws of New York, Insurance Law. Publisher's own currency banner, printed on every response this run: "09/10/2026 10:46AM, the Laws database is current through 2026 Chapters 1-296"
Status. US state statute; public domain.
What this document is
New York Insurance Law Article 5 -- Certificates of Insurance, complete (art. 5 ss. 501-504) is a state statute published by New York State Legislative Bill Drafting Commission (public.leginfo.state.ny.us). It is one of the New York documents that insurance license exam questions are written from, including new york property & casualty, new york personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.
Sections cited in practice questions
Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.
- N.Y. Ins. Law Sec. 501(a) (Certificate of insurance defined)
“"Certificate" or "certificate of insurance" means any document or instrument, or addendum thereto no matter how titled or described, prepared or issued by an insurer or insurance producer as evidence of property/casualty insurance coverage. "Certificate" or "certificate of insurance" shall not...”
- N.Y. Ins. Law Sec. 502(a) (Certificates of insurance; forms that may be required)
“With respect to a certificate of insurance evidencing that a policy provides personal injury liability insurance or property damage liability insurance, as defined in paragraphs thirteen and fourteen of subsection (a) of section one thousand one hundred thirteen of this chapter, no person or...”
- N.Y. Ins. Law Sec. 502(b) (Bid solicitation and clarification permitted)
“This subsection shall not prohibit any person or governmental entity from including minimum insurance requirements, coverage limits, terms, or other conditions in the solicitation of bids as part of a competitive process, and it shall not prohibit any person or governmental entity from requesting,...”
- N.Y. Ins. Law Sec. 503 (Enforcement)
“If the superintendent finds, after notice and hearing, that any person, other than a governmental entity, has wilfully violated this article, then the superintendent may order the person to pay to the people of this state a penalty in a sum of one thousand dollars for the first violation and two...”
- N.Y. Ins. Law Sec. 502(c) (Certificates of insurance; prohibitions; effect of a certificate)
“A certificate of insurance shall not amend, extend, or alter the coverage provided by the insurance policy to which the certificate of insurance makes reference. A certificate of insurance shall further not confer to any person any rights beyond those expressly provided by the policy of insurance referenced therein.”
- N.Y. Ins. Law Sec. 502(c) (Certificates of insurance; prohibitions)
“A certificate of insurance shall not amend, extend, or alter the coverage provided by the insurance policy to which the certificate of insurance makes reference. A certificate of insurance shall further not confer to any person any rights beyond those expressly provided by the policy of insurance referenced therein.”
Practice this material
Questions about this source
More New York sources
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- N.Y. Ins. Law s. 3203: Individual life insurance policies; standard provisionsState statute