American Property Casualty Insurance Association
  • Staff Contact: Nicole Mahrt-Ganley     
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Nicole Mahrt Ganley


916-440-1116 or 916-616-5855





February 17, 2014

Insurance E-Commerce Legislation Advancing in Arizona, South Dakota and Wyoming

PCI supports measures modernizing how insurers provide paperless policies

Phoenix, AZ – Legislators in three states are approving important legislation that will modernize how insurers provide documents to their policyholders, said the Property Casualty Insurers Association of America (PCI). 

“Access to technology has changed how many consumers handle their personal finances. A growing number of consumers want to manage their personal business via email and text or on a website that is accessible 24/7,” said Kelly Campbell, PCI vice president.  “State legislators across the country are considering legislation to modernize insurance codes and remove barriers to electronic delivery of insurance documents.”

Current laws require insurance companies to provide policy documents to consumers through regular mail.  New laws are advancing in several legislatures to update the insurance codes and allow insurers to send documents electronically and meet policyholder preferences. 

“Last week legislators in Arizona, South Dakota and Wyoming recognized that consumers want more options and flexibility in how they receive their insurance information and interact with their insurer,” said Campbell.  “These common sense measures will let consumers decide if they want to manage their insurance needs using the postal system or their email account.  It is time that insurance codes move into the modern era and give policyholders the opportunity to go paperless and use available technologies.”

·         SB 1222 was approved on a 6-0 vote by the Arizona Finance Committee on February 12, 2014.

·         HB 1156 was approved by the South Dakota House of Representatives on February 12, 2014 on the consent calendar.

·         SF 17 was approved by the Wyoming Corporations Committee on a 5 to 0 vote on February 11, 2014.  This measure will also allow consumers to access their insurance policy via a website.


If legislators in these three states give the stamp of approval on these measures, Arizona, South Dakota and Wyoming will join an expanding number of states revamping their insurance codes.  In 2013, 13 states approved laws allowing consumers to access their insurance policy through a website (Alaska, Arizona, Florida, Illinois, Kansas, Michigan, Minnesota, Missouri, Oklahoma, Pennsylvania, Texas, Virginia and Wisconsin).   Also in 2013, 17 states approved legislation allowing electronic delivery of documents and notices (Arkansas, California, Delaware, Florida, Idaho, Kansas, Kentucky, Maryland, Minnesota, Missouri, North Carolina, Pennsylvania, Tennessee, Texas, Virginia, Wisconsin and West Virginia).

PCI is composed of more than 1,000 member companies, representing the broadest cross-section of insurers of any national trade association. PCI members write over $195 billion in annual premium, 39 percent of the nation’s property casualty insurance. Member companies write 46 percent of the U.S. automobile insurance market, 32 percent of the homeowners market, 37 percent of the commercial property and liability market, and 41 percent of the private workers compensation market.