STATE

SFP

NON-SFP

Alabama

X

Alaska

X

Arizona

X; IM is exempt

HB 2192, eff 7/16/05, amended the SFP statute to allow terrorism to be excluded from a commercial policy. Exemption does not apply to any policy covering a 1 to 4 family residential property.

Arkansas

X

California

X; Per CDI position communicated to AAIS on 7/26/06, IM is NOT exempt

Colorado

X

Connecticut

X; IM is exempt

HB 5200 eff. 7/1/04 until expiration of federal TRIA statute, allows exclusion of fire and other perils caused by certified acts of terrorism.

Delaware

X

DC

X

Florida

X

Georgia

X; IM is exempt

Hawaii

X; IM is exempt

Idaho

X, IM is exempt

Eff 4/1/05, HB 160 amended SFP statute to allow certified acts of terrorism to be excluded from a commercial policy. Eff 7/1/08, H547 amended the definition of certified act of terrorism to include domestic terrorism.

Illinois

X; IM is exempt

Indiana

X

Iowa

X; IM is exempt

Kansas

X

Kentucky

X

Louisiana

X

Eff. 8/15/03, HB 1788 amended the SFP statute to allow terrorism to be excluded from a commercial policy.

Maine

X

Maryland

X

Massachusetts

X; IM is exempt

Michigan

X, IM is exempt

Eff. 5/29/03, HB 4432 amended the SFP statute to allow terrorism to be excluded from a commercial policy.

Minnesota

X; IM is exempt*

Eff. 04/09/03, MN HB 267 amended the SFP statute to allow the exclusion of fire-following coverage in terrorism endorsements.

Mississippi

X

Missouri

X

Montana

X

Nebraska

X; IM is exempt 

Effective 01/01/04, LB 216 exempts commercial lines from the provisions of the SFP statute (LB 216 pertains to commercial lines other than IM that were previously subject to SFP requirements).

Nevada

X

New Hampshire

X

Eff. 1/1/04, HB 460 adds terrorism as an excluded peril to the SFP statute.

New Jersey

X; IM is exempt

New Mexico

X

New York

X; IM is exempt

North Carolina

X; IM is exempt

North Dakota

X; IM is exempt

Eff 3/25/05, SB 2094 amends the SFP statute to allow terrorism to be excluded from a commercial policy.

Ohio

X

Oklahoma

X IM is exempt

Eff. 11/1/03, HB 1273 allows the insurance commissioner to approve fire policy language that does not follow the SFP.

Oregon

X

Pennsylvania

X; IM is exempt*

SB 1007 eff. 9/5/06 amended SFP statute to allow terrorism to be excluded from a commercial policy.

Puerto Rico

X

Rhode Island

X

Eff. 6/11/04, S 3057 provides an exemption from SFP for Commercial Special Risks. Included are large insureds subject to specific size requirements and inland marine risks.

South Carolina

X

South Dakota

X

Tennessee

X

Texas

X

Utah

X

Vermont

X

Virginia

X; per VA BOI interpretation, IM is not subject to SFP requirements.
 

Eff. 7/01/03, HB 2606 permits the exclusion of fire-following coverage from certified terrorism endorsements (HB 2606 pertains to lines of insurance other than inland marine subject to SFP requirements).

Washington

X; IM is exempt

West Virginia

X; IM is exempt

Wisconsin

X

Wyoming

X