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2023 Missouri Revised Statutes
Title XXIV - Business and Financial Institutions
Chapter 379 - Insurance Other Than Life

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GENERAL PROVISIONS

Section 379.005 - Definitions. (8/28/2008)
Section 379.125 - Reinsurance. (8/28/2016)
Section 379.130 - Insurance claims, percentage of fault not to be assigned based solely on operation of a motorcycle. (8/28/2009)
Section 379.140 - Total loss of real property — full amount of policy less any deductible to be paid — inapplicability, when — multiple policies, effect on recovery — commercial buildings, policy covering two or more, recovery amount. (8/28/2021)
Section 379.150 - Partial loss by fire — standard fire insurance policy language, option for settlement of loss. (8/28/2021)
Section 379.155 - Coinsurance provisions declared void — exception. (8/28/1939)
Section 379.160 - Form of policy to be filed — coinsurance clause. (8/28/2021)
Section 379.165 - Construction of warranties of fact made in application. (8/28/1939)
Section 379.170 - Construction of warranties of fact incorporated in policy. (8/28/1939)
Section 379.175 - Evasion of sections prohibited. (8/28/1939)
Section 379.180 - Adjustments and examination of books to be made at place of loss. (8/28/1939)
Section 379.185 - After notice of loss, company to furnish blanks. (8/28/1939)
Section 379.190 - Failure to furnish blank forms deemed waiver. (8/28/1939)
Section 379.195 - Accident insurance liability fixed, when — cancellation prohibited. (8/28/1939)
Section 379.200 - Judgment creditor may collect insurance, when. (8/28/1991)
Section 379.201 - Motor vehicle policies to include coverage of owner and vehicle loaned for demonstration or during repairs. (8/28/1985)
Section 379.203 - Automobile liability policy, required provisions — uninsured motorist coverage required — recovery against tort-feasor, how limited. (8/28/1991)
Section 379.204 - Underinsured motor vehicle coverage, construction of policy. (8/28/1999)

ORGANIZATION OF INSURANCE COMPANIES

AUTOMOBILE INSURANCE CANCELLATION — REFUSAL TO ISSUE OR RENEW

Section 379.110 - Definitions. (8/28/2018)
Section 379.112 - Provisions of policy covered. (8/28/1974)
Section 379.114 - Reasons for cancellation. (8/28/1974)
Section 379.116 - Refusal to insure or exclusion of named persons, when. (8/28/1974)
Section 379.118 - Notice of cancellation and renewals, due when — reinstatement, when — exemption, when. (8/28/2018)
Section 379.120 - Explanation of refusal to write a policy, how given, contents — exemption, when. (8/28/2021)
Section 379.121 - Definitions. (8/28/2001)
Section 379.122 - Refusal to issue policy based on the lack of prior motor vehicle coverage prohibited, when — military member protections, notification required. (8/28/2021)
Section 379.123 - Violation deemed unfair trade practice. (8/28/2001)

MUTUAL COMPANIES OTHER THAN LIFE AND FIRE

Section 379.205 - Mutual companies other than life and fire insurance. (8/28/1939)
Section 379.210 - Articles of incorporation shall specify what. (8/28/1939)
Section 379.215 - Name must contain the word "mutual". (8/28/1939)
Section 379.220 - Submitted to director — proof of publication — certificate may be issued — amendment of articles. (8/28/1939)
Section 379.225 - Company to have legal existence from date of certificate — insurance in force, when. (8/28/1939)
Section 379.230 - Contracts of insurance and reinsurance. (8/28/1939)
Section 379.235 - License required — conditions to be complied with. (8/28/1977)
Section 379.240 - Who may hold policies. (8/28/1939)
Section 379.245 - Voting power of members. (8/28/1939)
Section 379.250 - Premiums. (8/28/1939)
Section 379.255 - Assets, how invested. (8/28/1939)
Section 379.257 - Deposit of securities required of mutual companies other than life and fire. (8/28/1967)
Section 379.260 - Reserves. (8/28/1939)
Section 379.263 - Mutual companies other than life and fire to file statement of affairs, when. (8/28/1967)
Section 379.265 - Assessments to meet reserve deficiencies. (8/28/1939)
Section 379.270 - Director may advance money. (8/28/1939)
Section 379.275 - Policies need not be countersigned — conditions. (8/28/1939)
Section 379.290 - Tax to be paid upon premiums. (8/28/1945)
Section 379.295 - Returns and assessment to be made by director — collection and disposition of tax by the director of revenue. (8/28/1945)
Section 379.300 - Failure to make return — director to proceed. (8/28/1945)

REGULATION OF RATES AND RATING ORGANIZATIONS

CASUALTY AND SURETY RATE REGULATION

Section 379.420 - Citation of law. (8/28/1947)
Section 379.425 - Law applicable to certain classes of insurance — exceptions. (8/28/2001)
Section 379.430 - Insurers may act in concert with respect to rates. (8/28/1947)
Section 379.435 - Rating organization defined. (8/28/1947)
Section 379.440 - Rating organization must be licensed — who may apply — content of application. (8/28/1947)
Section 379.445 - Requirements to obtain and retain license. (8/28/1947)
Section 379.450 - Director to grant or deny license. (8/28/1947)
Section 379.455 - Advisory organizations. (8/28/1947)
Section 379.460 - Joint underwriting groups. (8/28/1947)
Section 379.465 - Exchange of information — agreement to rates. (8/28/1947)
Section 379.470 - Provisions governing rates. (10/16/2015)
Section 379.475 - Director to examine — powers — cost — director may accept examination by other state. (8/28/1947)
Section 379.480 - Purpose of examination — hearing — orders. (8/28/1947)
Section 379.485 - Penalties for failure to comply — powers of director. (8/28/1947)
Section 379.490 - May use rating plans or systems. (8/28/1947)
Section 379.495 - Payment of dividends not regulated. (8/28/1947)
Section 379.500 - Freedom of contract for fees not restricted. (8/28/1947)
Section 379.505 - Hearings on orders — notice — rules of pleading and evidence — review — effective date of order. (8/28/1947)
Section 379.510 - Penalty for violation of orders. (8/28/2007)

REORGANIZATION OF INSURANCE COMPANIES

Section 379.515 - May reorganize and extend corporate existence. (8/28/1939)
Section 379.520 - Content of articles of association. (8/28/1939)
Section 379.525 - Additional requirements for articles of association. (8/28/1939)
Section 379.530 - Special meeting to be called — notice. (8/28/1939)
Section 379.535 - Propositions for reorganization and extension of corporate existence to be voted on. (8/28/1939)
Section 379.540 - Articles to be acknowledged and declaration of proceeding to be made. (8/28/1939)
Section 379.545 - Duty of director. (8/28/1939)
Section 379.550 - Board to accept certificate — file with secretary of state — fee — new board — notify director. (8/28/1947)
Section 379.555 - Examination of company and certificate to do business. (8/28/1939)
Section 379.560 - Value of equitable interests of nonassenting stockholders or policyholders to be paid to them. (8/28/1939)
Section 379.565 - Suit in circuit court to determine value. (8/28/1939)
Section 379.570 - Publication of notice — proceedings. (8/28/1939)
Section 379.575 - Who may appear — proceedings, how governed. (8/28/1939)
Section 379.580 - Costs — by whom paid. (8/28/1939)
Section 379.585 - Company having special charter may accept general insurance laws. (8/28/1939)
Section 379.590 - Content of articles of association. (8/28/1939)
Section 379.595 - Additional requirements of articles of association. (8/28/1939)
Section 379.600 - Special meeting to be called — notice. (8/28/1939)
Section 379.605 - Proposition to surrender to be voted on. (8/28/1939)
Section 379.610 - Acknowledgment and declaration to be made. (8/28/1939)
Section 379.615 - Duty of director. (8/28/1939)
Section 379.620 - Acceptance by resolution of directors. (8/28/1939)
Section 379.625 - Certificate to do business. (8/28/1939)

RECIPROCALS OR INTERINSURANCE EXCHANGES

PROPERTY INSURANCE CONTINUATION AFTER DEATH

Section 379.808 - Insurance policies on certain real property — beneficiary deemed insured, duration, others covered not affected, when. (8/28/2004)

BASIC PROPERTY INSURANCE INSPECTION AND PLACEMENT PROGRAM

Section 379.810 - Program established. (8/28/1969)
Section 379.815 - Definitions. (8/28/2004)
Section 379.820 - Inspections and reports. (8/28/1986)
Section 379.825 - Issuance of policy, when — appointment of liability assumed — expenses — limits on liability. (8/28/2004)
Section 379.827 - Sinkhole loss policies authorized. (8/28/2014)
Section 379.830 - Procedure after inspection and submission. (8/28/1986)
Section 379.835 - Joint reinsurance association. (8/28/1986)
Section 379.840 - Standard policy coverage and rating procedure. (8/28/1969)
Section 379.845 - Cancellation or nonrenewal. (8/28/1986)
Section 379.850 - Right of appeal. (8/28/1986)
Section 379.855 - Commissions. (8/28/1969)
Section 379.860 - Administration of program — governing committee, members, vacancies — immunity from liability, when. (8/28/2020)
Section 379.865 - Annual and special meetings. (8/28/1969)
Section 379.870 - Duties of the committee. (8/28/1969)
Section 379.875 - Statistics to be kept, reports. (8/28/1986)
Section 379.880 - Public education. (8/28/1969)

COMMERCIAL CASUALTY INSURANCE

PREPAID LEGAL SERVICE PLAN

Section 379.901 - Prepaid service plan defined — agent soliciting memberships, disclosures. (8/28/2014)

SMALL EMPLOYER HEALTH INSURANCE AVAILABILITY ACT

EARTHQUAKE INSURANCE

Section 379.975 - Insurer to provide information, when. (8/28/1992)
Section 379.978 - Written disaster plan, insurer to develop, contents. (8/28/1992)

REORGANIZATION OF DOMESTIC MUTUAL INSURANCE COMPANY

CAPTIVE INSURANCE COMPANIES

Section 379.1300 - Definitions. (8/28/2013)
Section 379.1302 - Licensure — prohibited acts — requirements for conducting business — application requirements. (8/28/2009)
Section 379.1304 - Adoption of a name, deceptive practice. (8/28/2007)
Section 379.1306 - Capital and surplus requirements. (8/28/2013)
Section 379.1308 - Approval for payment of dividends required. (8/28/2007)
Section 379.1310 - Incorporation as a stock insurer permitted, when. (8/28/2013)
Section 379.1312 - Reports required. (8/28/2013)
Section 379.1314 - Inspections, when. (8/28/2007)
Section 379.1316 - Suspension or revocation of licensure, when. (8/28/2007)
Section 379.1318 - Investment requirements, compliance with. (8/28/2007)
Section 379.1320 - Reinsurance may be provided, when. (8/28/2007)
Section 379.1322 - Rating organizations, company not required to join. (8/28/2007)
Section 379.1324 - Prohibitions on joining or contributing to certain entities and funds. (8/28/2007)
Section 379.1326 - Premium tax imposed, amount, procedure. (8/28/2013)
Section 379.1328 - Rulemaking authority. (8/28/2007)
Section 379.1330 - Inapplicability of insurance laws to captive insurance companies. (8/28/2007)
Section 379.1332 - Promotion of captive insurance, moneys from dedicated insurance fund to be used. (8/28/2009)
Section 379.1336 - Insurance reorganization, receivership and injunctions provisions — applicability to captive insurance companies. (8/28/2007)
Section 379.1338 - Standards for risk management of controlled unaffiliated business. (8/28/2007)
Section 379.1339 - Conversion to reciprocal insurer, when, procedure. (8/28/2009)
Section 379.1340 - Branch captive may be established, when. (8/28/2007)
Section 379.1342 - Trust fund required for branch captive insurance company. (8/28/2007)
Section 379.1344 - Certificate for branch captive insurance companies. (8/28/2007)
Section 379.1346 - Reports and statements of branch captive insurance companies to be filed with director. (8/28/2007)
Section 379.1348 - Examination of branch captive insurance companies, limitations. (8/28/2007)
Section 379.1350 - Applicability of tax to branch companies. (8/28/2007)
Section 379.1351 - Sponsored captive insurance companies, may be formed by whom — definitions — requirements. (8/28/2013)

SPECIAL PURPOSE LIFE REINSURANCE CAPTIVE

Section 379.1353 - Definitions. (8/28/2007)
Section 379.1356 - Inapplicability of insurance laws. (8/28/2007)
Section 379.1359 - License application — requirements for transaction of business — licensure requirements — issuance of license, fee. (8/28/2007)
Section 379.1361 - Plan of operation to be filed, contents. (8/28/2007)
Section 379.1364 - License fee, amount. (8/28/2007)
Section 379.1367 - Approval of application, findings by director. (8/28/2007)
Section 379.1370 - Corporate status of company. (8/28/2007)
Section 379.1373 - Limitation on activities and name — number of incorporators required. (8/28/2009)
Section 379.1376 - Contract requirements. (8/28/2007)
Section 379.1379 - Swap agreements permitted. (8/28/2007)
Section 379.1382 - Issuance of securities — approved activities by director. (8/28/2007)
Section 379.1385 - Management of assets. (8/28/2007)
Section 379.1388 - Recognition of admitted assets — value of assets. (8/28/2009)
Section 379.1391 - Prohibited acts. (8/28/2007)
Section 379.1394 - Dividend-payments, limitations. (8/28/2007)
Section 379.1397 - Changes in plan of operation, directors approval required. (8/28/2007)
Section 379.1400 - Affiliated agreements to be filed with director. (8/28/2007)
Section 379.1403 - Audited financial report required, requirements. (8/28/2007)
Section 379.1406 - Examination required, when, procedure. (8/28/2007)
Section 379.1409 - Record-keeping requirements. (8/28/2007)
Section 379.1412 - Premium tax required, amount, procedure. (8/28/2009)
Section 379.1415 - Confidentiality of records, exceptions. (8/28/2007)
Section 379.1418 - Grounds for liquidation — granting of relief, management of assets. (8/28/2007)
Section 379.1421 - Rulemaking authority. (8/28/2007)

PORTABLE ELECTRONICS INSURANCE

SELF-SERVICE STORAGE INSURANCE

Section 379.1640 - Self-service storage--definitions--offer of insurance, requirements--prohibited acts--limitation on policy amount--rulemaking authority. (8/28/2016)

TRANSPORTATION NETWORK COMPANY INSURANCE

Section 379.1700 - Definitions. (8/28/2016)
Section 379.1702 - Primary automobile insurance to be maintained, requirements — lapsed coverage, effect of — proof of insurance required. (8/28/2016)
Section 379.1704 - Disclosure of insurance coverage, how made. (8/28/2016)
Section 379.1706 - Disclosure statement — display. (8/28/2016)
Section 379.1708 - Exclusions and limitations on coverage. (8/28/2016)

GROUP PERSONAL LINES PROPERTY AND CASUALTY INSURANCE

LENDER-PLACED INSURANCE

Section 379.1850 - Lender-placed insurance, applicability — exceptions. (8/28/2023)
Section 379.1851 - Definitions. (8/28/2023)
Section 379.1853 - Effective, when — terminates, when — charges, limitation on length of term. (8/28/2023)
Section 379.1855 - Coverage and premiums based on replacement cost value — determined how. (8/28/2023)
Section 379.1857 - Prohibited acts. (8/28/2023)
Section 379.1859 - Requirements not to be circumvented. (8/28/2023)
Section 379.1861 - Individual policy or certificate of insurance — delivery of — information to be included. (8/28/2023)
Section 379.1863 - Filing requirements with the department — review of rates — refile required, when — information to be reported annually to department. (8/28/2023)
Section 379.1865 - Enforcement by department — no private cause of action. (8/28/2023)
Section 379.1867 - Violations, monetary penalty or sanction of license. (8/28/2023)
Section 379.1869 - Rulemaking authority. (8/28/2023)

CHAPTER CROSS REFERENCES

Acquisition of mechanical data processing system as asset, 375.325
All license, permit and certificate applications shall contain the Social Security number of the applicant, 324.024
Buildings constituting nuisances, demolition by ordinances with insurance provisions, duties, 67.410 to 67.412
Injured employees, insurance, payment of fees and integration of systems of insurers and entities administering claims, department rules not applicable, when, 375.427
Insurer, defined, 375.932
Mortgage insurance, restriction, condition, 443.415
Motor vehicle financial responsibility law, Chap. 303
Penalty for unauthorized persons or corporation transacting insurance business, 375.310
Prepaid dental plans, 354.700 to 354.725
Reconstructed motor vehicle as result of claim and repairs, duty of insurer to notify certain persons, contents, 301.020
Risk management associations, higher education, institutions, 176.500 to 176.540
Second mortgages insurance coverage authorized as additional charge, 408.233
Unfair practices and frauds, 375.930 to 375.948
Workers' compensation insurance, Chap. 287

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