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Insurance Law: Non-NY Statutes

Insurance Law Research Guide

Key Federal Insurance Laws

Although insurance law is primarily regulated on the state level, there are several important federal statutes that provide general authority and broad principles governing insurance law:

McCarran-Ferguson Act

  • 15 U.S.C., Ch. 20 (§§1011 - 1015)
  • Main statute exempting insurance law from federal regulation and giving the power of regulation to the individual states

Liability Risk Retention Act

  • 15 U.S.C., Ch. 65 (§§3901 - 3906)
  • Permits the interstate operation of liability risk retention groups

Federal Crop Insurance Act

  • 7 U.S.C., Ch. 36 (§§1501 - 1531)
  • Establishes federal crop insurance, along with supplemental agricultural disaster assistance

National Flood Insurance Act

  • 45 U.S.C., Ch. 50 (§§4001 - 4130)
  • Establishes the National Flood Insurance Program (NFIP) and sets forth flood insurance regulations
  • Note: See Biggert-Waters Flood Insurance Reform Act of 2012 (P.L. 112-123) for recent changes to this law



State Insurance Laws

Insurance statutes for individual states can be found through the following resources:

Cornell Law School Legal Information Institute

  • Direct links to insurance law statutes of each of the 50 states.


  • From the "Browse All Content" tab in the main home screen, click "Statutes & Court Rules," then scroll down and click "Insurance Law" under the "Topical" heading.
  • Contains insurance law statutes plus annotations for all 50 states and the District of Columbia

Lexis Advance

  • From the main home screen, click the down arrow in the middle tab (Jurisdiction) below the main red search box and select the applicable state, then click the down arrow in the right tab (Practice Areas & Topics) below the main red search box and select "Insurance Law." Enter search terms to search insurance law sources for the selected jurisdiction.

Model Insurance Laws

NAIC (National Association of Insurance Commissioners) Model Laws

  • Provides a "model code" established by the NAIC
  • Includes references to legislative history and case law
  • Updated quarterly
  • Available on Lexis Advance: Click the "Browse Sources" link above the red search box in the main home screen, then search "NAIC Model Laws, Regulations and Guidelines" in the "Search Sources" box on the left navigation pane.  Click "View table of contents" to browse.