Missouri § 379.1812 - Loss and expense experience statistics — employee purchase of insurance not required — premium taxes, allocation of premiums.
Full text of Missouri Revised Statutes of Missouri § 379.1812 — Loss and expense experience statistics — employee purchase of insurance not required — premium taxes, allocation of premiums., with citation guidance and answers to common questions.
§ 379.1812. Loss and expense experience statistics — employee purchase of insurance not required — premium taxes, allocation of premiums.
1. An insurer issuing or delivering group personal lines property and casualty insurance shall maintain separate statistics as to the loss and expense experience pertinent thereto.
2. No insurer shall issue or deliver a group personal lines property and casualty insurance policy if it is a condition of employment or of membership in a group that any employee or member purchase insurance pursuant to the policy, or if any employee or member shall be subject to any penalty by reason of his or her nonparticipation.
3. (1) No insurer shall issue or deliver a group personal lines property and casualty insurance policy if:
(a) The purchase of insurance available under the policy is contingent upon the purchase of any other insurance, product, or service; or
(b) The purchase or price of any other insurance, product, or service is contingent upon the purchase of insurance available under the group personal lines property and casualty insurance policy.
(2) Subdivision (1) of this subsection shall not be deemed to prohibit the reasonable requirement of safety devices, such as heat detectors, lightning rods, theft prevention equipment and the like. Neither shall subdivision (1) of this subsection be deemed to prohibit the marketing of package or combination policies.
4. The insurer's experience from its group personal lines property and casualty insurance policies shall be included in the determination of the insurer's participation in the applicable residual market plans.
5. For purposes of premium taxes, the insurer shall allocate premiums in accordance with the rules applicable to individual personal lines property and casualty insurance policies, except that any required allocation may be based on an annual survey of insureds. Premiums shall be apportioned among states without differentiation between policyholder or employee or member contributions.
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(L. 2021 H.B. 604 merged with S.B. 6)
Effective 1-01-22, see § 379.1824
---- end of effective 01 Jan 2022 ----
Source: official Missouri text · Last verified 2026-08-27
Frequently Asked Questions About Missouri § 379.1812
What does Revised Statutes of Missouri § 379.1812 cover?
Section 379.1812 ("Loss and expense experience statistics — employee purchase of insurance not required — premium taxes, allocation of premiums.") is part of the Revised Statutes of Missouri, the codified statutory law of Missouri. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.
How do I cite Missouri § 379.1812?
A common citation format is "Revised Statutes of Missouri § 379.1812" (Missouri). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.
Is this the official text of Missouri law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the Missouri official source linked on this page or consult a licensed Missouri attorney.
How does Missouri § 379.1812 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Missouri can advise on how this section applies to you. Contact your state or local bar association for a referral.
Sources & Verification
Not legal advice. Verify against the official source and consult a licensed attorney in Missouri.