NAC686A.220. Insurer prohibited from taking certain actions with respect to property or casualty insurance on basis of status of person as victim or potential victim of domestic violence; permissible bases for action; exceptions.

     1. Except as otherwise provided in this section, an insurer shall not:

     (a) Deny or refuse to accept an application for property or casualty insurance;

     (b) Refuse to issue or renew a policy of property or casualty insurance;

     (c) Cancel, restrict or otherwise terminate a policy of property or casualty insurance; or

     (d) Charge a person a rate for property or casualty insurance coverage that is different from the rate that the insurer charges another person for the same coverage,

Ê solely because the person applying for or covered by the policy of property or casualty insurance is, has been or may be a victim of an act that constitutes domestic violence pursuant to NRS 33.018.

     2. Nothing in this section prohibits an insurer from taking any of the actions described in subsection 1 upon the basis of:

     (a) The historical loss experience of the applicant or insured;

     (b) A medical condition with which the applicant or insured is afflicted; or

     (c) Any other reason not otherwise prohibited by law.

     3. The prohibition set forth in subsection 1 does not apply with respect to the following lines of insurance:

     (a) Ocean marine insurance;

     (b) Workers’ compensation insurance;

     (c) Property insurance for business and commercial risks; and

     (d) Casualty insurance for business and commercial risks other than insurance covering the liability of a practitioner licensed pursuant to chapters 630 to 640, inclusive, of NRS.

     (Added to NAC by Div. of Insurance by R089-98, eff. 9-25-98)