New York (NY)

Same framework as WA and CA. NY’s distinguishing feature is its combined financial regulator and a reputation for strict, sometimes non-uniform rules.

The regulator (stable)

• New York Department of Financial Services (DFS) — led by a Superintendent (not a “Commissioner”). NY merged its insurance and banking regulators into DFS. STABLE
• Statute body: NY Insurance Law + 11 NYCRR. STABLE
• Starting point: dfs.ny.gov

What to verify for NY

Item	Status	Where to confirm
Pre-licensing hours (P&C / L&H)	VERIFY	NY DFS (dfs.ny.gov)
Exam vendor, # questions, time, passing score	VERIFY	NY DFS + the vendor handbook
Whether P&C is one exam or two	VERIFY	NY DFS + vendor handbook
Application / exam / license / renewal fees	VERIFY	NY DFS fee schedule + NIPR
Fingerprinting (vendor/fee)	VERIFY	NY DFS background-check instructions
CE hours and renewal cycle	VERIFY	NY DFS CE rules
DRLP officer requirement / affiliation notices	VERIFY	NY DFS entity licensing
Non-resident reciprocity (NY is a known deviation)	VERIFY	NY DFS + NAIC PLMA status
Separate MGA registration / bond	VERIFY	NY DFS + NY MGA provisions
Surplus-lines (Excess Line) license + tax + stamping	VERIFY	NY DFS + Excess Line Association of New York (ELANY)

VERIFY — confirm before you rely on it

NY is frequently called out for deviating from full PLMA uniformity on reciprocity — do not assume NY treats non-resident applicants the same as other states. VERIFY this specifically. [STABLE caution]

State-portion exam topics (concepts — stable)

Same categories as WA/CA: licensing rules, Superintendent powers (examinations, hearings, penalties, suspension/revocation, NY guaranty funds), trade practices, unfair claims settlement practices, prohibited acts, and NY-specific provisions. See 12 Ethics & trade practices.

NY and AI regulation (relevant to Glacis)

NY DFS has a track record of issuing its own guidance ahead of national consensus — including AI / external-consumer-data (ECDIS) guidance for life insurers. This matters for the Glacis compliance-as-a-feature story. VERIFY the current text of any NY DFS AI guidance. See 14 AI insurance regulation. [STABLE caution]

For the Glacis MGA in NY

• Target Casualty / P&C authority for Tech E&O — see 03 Lines of authority.
• A novel AI Tech E&O risk is likely excess-line/non-admitted in NY (filed through ELANY) — see 06 Surplus lines / E&S.
• Expect NY’s licensing and conduct rules to be among the strictest of the three states — budget extra verification time.

VERIFY — confirm before you rely on it

(statutes)** — NY Insurance Law citations for Unfair Trade Practices / Unfair Claims Settlement Practices, and current NY DFS AI guidance · source: NY DFS / NY Legislature.

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