The following table is intended to serve as a guide for the various statutory membership requirements of each Uniform State. A link to the Application instructions for Expansion Application, Section II, Filing Requirement Item 10 is provided.
Last Updated: 07/22/2024
Updates to the information will be noted with a "*" next to the state name and edits will be italicized and bolded.
| State | Membership Requirements | |
|---|---|---|
| AL | The Alabama membership requirements apply only to those companies that have received approval. The applicant will be notified of these requirements prior to licensure | |
| AK | Comprehensive Health Ins. Assoc. (CHIA) AS21.54: Workers Comp Assigned Risk Pool 3 AAC 30.030; Auto Assigned Risk Plan Order 96-06, Bulletin 97- 02; Life & Health Ins. Guaranty Assoc. AS21.79; Ins. Guaranty Assoc. AS21.80 | |
| AZ | Arizona Property and Casualty Insurance Guaranty Fund A.R.S. § 20-662 Arizona Life and Disability Insurance Guaranty Fund A.R.S. § 20-683 Joint Underwriting Association A.R.S. § 20-2201 NOTE: All of the above are compulsory upon receiving authority. Applicants for Workers’ Compensation insurance authority will be instructed at the appropriate time during review of the application to provide proof of membership in an accepted workers’ compensation rating organization, such as the National Council on Compensation Insurance. |
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| AR | None prior to transacting business. | |
| CA | Worker's Compensation Insurance Rating Bureau (worker's compensation insurers only); California Life & Health Insurance Guarantee Association (CLHIGA) (life and disability insurers only); California Insurance Guaranty Association (CIGA) most p&c insurers; and California Automobile Assigned Risk Plan (CAARP) (automobile insurers). | |
| CO | Members of the Life and Health Insurance Protection Association are all insurers who hold a certificate of authority to write any kind of insurance for which coverage is provided pursuant to Section 10-20-104, C.R.S. Members of the Colorado Insurance Guaranty Association are all insurers who hold a certificate of authority to write any kind of insurance for which coverage is provided pursuant to Section 10-4-504, C.R.S. All insurers licensed to write motor vehicle insurance shall subscribe to the assigned risk motor vehicle insurance plan in accordance with Section 10-4-412, C.R.S. |
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| CT | The following statutory memberships are required subsequent to licensing: Health Reinsurance Association (HRA) C.G.S. §38a-556 Connecticut Small Employer Health Reinsurance Pool (CSEHRP) C.G.S. §38a-569 |
Connecticut Insurance Guaranty Association C.G.S. §38a-839 Connecticut Life and Health Insurance Guaranty Association C.G.S. §38a-863 |
| DE |
Expansion Apps: Property/Casualty Insurer Property Insurer Casualty Insurer Authorized for Vehicle |
Casualty Insurer Authorized for Delaware Compensation Rating Bureau Corporate Amendments App: If amended to include Vehicle, must become a member of the Delaware Assigned Risk Plan. Property/Casualty company adding Health must become a member of the Delaware Life and Health Guaranty Association. |
| DC | Membership requirements are provided at the time the Certificate of Authority is issued and are based upon the lines of insurance the company is authorized to transact. The appropriate association is also notified at this time. | |
| *FL | Florida has numerous statutorily created associations that insurers are required to join depending on the lines of business that are being written. Please refer to Sections 215.555, 627.311(4), 627.351(1), 627.351(4), 627.351(6), 627.3515, 631.55, 631.715, and 631.911, Florida Statutes. Note: Required at licensure. |
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| GA |
Automatic membership upon licensure: Depending on business written, insurers may also be required to participate in the following: |
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| HI |
Automatic membership upon Licensure for the following: |
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| ID |
Participation in the Idaho Life and Health Insurance Guaranty Association is required for Companies authorized to write Annuities, Disability (Accident & Health in Idaho) or Life insurance. Participation in the Idaho Insurance Guaranty Association is required for Property and/or Casualty Insurance Companies. |
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| IL |
Life and Health Guaranty Association 215 ILCS 5/531.01 it seq. Illinois Insurance Guaranty Fund 215ILCS 5/31.19 it seq. Company will subscribe to the Illinois Automobile Insurance Plan (Assigned Risk) 20 North Wacker Drive, Suite 3030, Chicago, Illinois 60606 if Clause (b) of Class 2 and Clause (e) of Class 3 to be written. Acceptance if clause (d) of Class 2 Workers' Compensation is to be written (printed form – complete and return 2 copies) 215ILCS 5/468. Articles of Acceptances (memberships agreement) to the Illinois Fair Plan authorized by the Urban Property Insurance Act of 1968 to implement the Illinois Fair Plan, if Class 3 Fire and Allied Lines to be written (printed form - complete and return 2 copies). |
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| IN |
Indiana Insurance Guaranty Association Note: Required at Licensure |
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| IA |
Companies will be notified upon licensure by the various associations involved. Among these are (for the noted types of insurance): |
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| KS | Kansas has numerous statutorily created associations that insurers are required to join depending on the lines of business that are being written. Applicants are NOT required to submit these membership forms at the time of application. If approved for admission the company will be contacted at that time regarding the specific membership forms that are required. Applicants will be instructed to complete the membership agreement form(s) for each required membership, if any. Please contact the Rate and Form Division at 785-296-7844 if you have any questions. | |
| KY |
Life and Health Companies: $25.00 fee payable to KY Life & Health Insurance Guaranty Association. |
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| LA |
Automatic membership upon licensure to the Louisiana Insurance Guaranty Association (LIGA) pursuant to La. R.S. 22:2051-2070 and/or the Louisiana Life and Health Insurance Guaranty Association Funds (LaHIGA) pursuant to La. R.S. 22:2081-2099.depending on the line(s) if insurance for which licensed. LIGA (225-757-1688 www.laiga.org) Louisiana Automobile Insurance Plan (Managed by AIPSO 401-946-2310 Property Insurance Association of Louisiana (504-836-7980 www.pial.org) |
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| ME | Statement must be submitted stating that the insurer is willing to comply with applicable memberships (auto insurance plan, guaranty associations, guaranty funds) | |
| MD |
Each Property and Casualty insurer, upon licensing, will automatically become a member of the Property and Casualty Insurance Guaranty Corporation. This is set forth in Section 9-304 of the Insurance Article of the Annotated Code of Maryland. Ms. Debbie Price, Executive Vice President Each Life and Health insurer in Maryland, upon licensing, will automatically become a member of the Life and Health Insurance Guaranty Corporation. This is set forth in Section 9-405 of the Insurance Article of the Annotated Code of Maryland. Ms. Elizabeth Hoffman, Executive Director Each insurer licensed to write on a direct basis motor vehicle liability insurance or motor vehicle physical damage in Maryland will automatically become a member of the Industry Automobile Insurance Association. This is set forth in Section 20-402 of the Insurance Article of the Annotated Code of Maryland. Mr. David Amaral Each insurer licensed to write on a direct basis, essential property insurance or a component of essential property insurance in multi-peril policies will automatically become a member of the Joint Insurance Association. This is set forth in Section 25-403 of the Insurance Article of the Annotated Code of Maryland. Mr. James Mulholland , General Manager |
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| MA |
None prior to transacting business. Subsequently, membership is required in certain statutory groups based upon lines of business written, which include the following: Massachusetts Insurers Insolvency Fund Massachusetts Life and Health Insurance Guaranty Association Massachusetts Property Insurance Underwriting Association Commonwealth Automobile Reinsurers |
Workers’ Compensation Assigned Risk Pool Massachusetts Workers’ Compensation Massachusetts Medical Malpractice Department of Industrial Accidents Office of Insurance The Office of Public Safety and Inspections (OPSI) |
| MI |
None prior to transacting business. Subsequently, membership is required in certain statutory groups based upon lines of business written: Paul Lipscomb |
Michigan Automobile Insurance Placement Facility |
| MN |
None prior to obtaining a license. Upon admission, insurers are required to be members of applicable insurance organizations: Minnesota Automobile Assigned Claims Bureau www.maacb.org Note that a company applying to write workers’ compensation and employers’ liability insurance in Minnesota must join the Minnesota Workers’ Compensation Insurance Association prior to review of its forms and rates by our Property and Casualty Policy Analysis Unit. Contact Manager Tammy Lohmann (651) 539-1731 |
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| MS |
None prior to the company obtaining a license. Subsequent to the company obtaining a license, memberships are required in certain groups based upon the type of license: Insurance Department Fund Assessment MS State Rating Bureau MS Automobile Insurance Plan |
MS Workers' Compensation Commission MS Life and Health Insurance Guaranty Assoc. MS Insurance Guaranty Association MS Comprehensive Health Insurance |
| MO |
Worker’s Compensation – Residual Market – RSMo 287.930, 20 CSR 500-6.960(3). |
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| MT |
The Commissioner of Insurance requires insurers licensed in Montana to participate in guaranty funds for the protection of Montana policyholders. A guaranty fund pays the claims of insolvent insurers. Insurers may be assessed a contribution to the guaranty fund in proportion to the amount business written in Montana. Upon approval of the certificate of authority the insurer’s company information will be forwarded to following guaranty funds. 1. Montana Insurance Guaranty Association covers property and casualty insurers. The fund is operated through the Western Guaranty Fund Services located at 1720 S. Bellaire Street, Suite 408, Denver, CO 80222, (303) 759-5066. The statutory reference for this membership is 33-10-102, MCA. For additional information contact: Attention Workers Compensation Insurers Contact: Frank Gonzalez (406) 444-6532 |
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| NE | None prior to admission. | |
| NV |
Nevada Life and Health Ins. Guaranty Association Nevada Ins. Guaranty Association |
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| NH |
All insurers are required to join the New Hampshire Life and Health Insurance Guaranty Association or the New Hampshire Insurance Guaranty Association or both. |
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| NJ |
If a company is applying to write workers’ compensation and employers liability it must join the Compensation Rating and Inspection Bureau prior to admission. Compensation Rating and Inspection Bureau |
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| NM |
Membership is required in certain statutory groups based on kinds of insurance. Statement must be submitted stating that the insurer is willing to comply with applicable memberships. New Mexico Life Insurance Guaranty Association; New Mexico Medical Insurance Pool; New Mexico Property and Casualty Insurance Guaranty Association; FAIR Plan; New Mexico Motor Vehicle Insurance Plan; and New Mexico Workers' Compensation Assigned Risk Pool. |
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| NY | Membership Requirements: Property Security Funds: Workers’ Compensation Security Fund Public Motor Vehicle Liability Security Fund Property/Casualty Insurance Security Fund Other: Life, Health, and Property Health Frank E. Horn, FSA |
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| NC |
All life, accident and health insurance companies are required to become a member of the All fire and casualty insurance companies are required to become a member of the Fire and casualty insurance companies writing property insurance are required to become a member of the Fire and casualty insurance companies writing fire insurance, automobile insurance or workers’ compensation insurance must become a member of the Each of the above organizations is provided information on a new insurance company being licensed in North Carolina at the time of licensing. These organizations provide information to each newly licensed company shortly after initial licensing. Memberships are not required until after the insurance company is approved for admission. |
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| ND |
Life and Health Insurance Guaranty Association (NDCC 26.1-38.1) |
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| OH |
Ohio Automobile Insurance Plan (INS7014) if authorization under (16a), (16b), (16c), (16d), (17a), or (17b) of Section 3929.01(A) of the Ohio Revised Code is applied for. |
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| OK | Not required. | |
| OR |
Oregon Insurance Guaranty Association (ORS 734.550) Oregon Life and Health Insurance Guaranty Association (ORS 734.800) Every workers’ compensation insurer shall be a member of a workers’ compensation rating organization. (ORS 737.560) Assigned Risk Plan (ORS 656.730) Oregon FAIR Plan Association (ORS 735.045) |
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| PA | Any such organization will contact applicant after application is approved. | |
| PR |
Chapter 37 of the PR Insurance Code- JOINT UNDERWRITING ASSOCIATION FOR FIRE AND ALLIED LINES INSURANCE |
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| RI |
R. I. Gen. Laws §27-34-6 requires that all P&C insurers shall be and remain members of the R. I. Insurers’ Insolvency Fund. R. I. Gen. Laws §27-34.3-6 (a) requires that all life or health insurers shall be and remain members of the R. I. Life and Health Insurance Guaranty Association. R. I Gen. Laws §31-33-8 and R. I. Insurance Regulation 98 (Reg. 98) require that all automobile insurers must participate in the R. I. Automobile Insurance Plan (the “R.I. Association Risk Plan”). A company applying for a R. I. Automobile Insurance Plan (the “R. I. Assigned Risk Plan”). A company applying for a R. I. Certificate of Authority that will include those lines of business must submit a statement on company letterhead, signed by the appropriate company official and certifying that the company will become a member of the R. I. Automobile Insurance Plan upon approval and issuance of its R. I. Certificate of Authority R. I. Gen. Laws §27-33-2 and R. I. Insurance Reg. 15 require that all insurers licensed to write those classes of insurance listed in §27-8-1 and §27-8-3 on a direct basis, must participate in the basic property insurance program established in R.I., and the R. I. Joint Reinsurance Association (the “R. I. FAIR Plan”). A company applying for a R. I. Certificate of Authority that will include those lines of business must submit a statement on company letterhead, signed by the appropriate company official and certifying that the company will become a member of the R. I. Joint Reinsurance Association upon approval and issuance of its R. I. Certificate of Authority. R. I. Gen. Laws §42-14.1-1 and R. I. Insurance Reg. 21 require that all insurers licensed to write “personal injury liability insurance” on a direct basis must be members of the Medical Malpractice Joint Underwriting Association of R. I. (MMJUA). |
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| SC | Upon admission, insurers are required to join the applicable Guaranty Association. | |
| SD |
Upon admission, any company authorized to write property or casualty insurance becomes a member of the: Upon admission, any company authorized to write life or health insurance becomes a member of the: Upon admission, any company authorized to write Automobile Liability insurance must become a subscriber of the: Upon admission, any company authorized to write Worker's Compensations must be become a subscriber of the: Companies intending to write Crop-Hail insurance must subscribe to the services of: |
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| TN |
Tennessee Insurance Guaranty Association, TCA 56-12-101 through TCA 56-12-121. |
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| TX | No | |
| UT |
All licensed or authorized insurers are members of the guaranty associations by operation of law. |
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| VT |
Property and Casualty Insurance Guaranty Association 8 V.S.A. Chapter 101, Subchapter 9. Life and Health Insurance Guaranty Association 8 V.S.A. Chapter 112 |
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| VA |
Virginia Property and Casualty Insurance Guaranty Association (§ 38.2-1600 et seq.). |
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| WA |
None prior to the company obtaining a license. Subsequent to the company obtaining a license, memberships are required in certain groups based upon the type of license as indicated below. Health and Disability Insurers (RCW 48.41) (includes Property, Casualty, Life, and Disability insurers that offer health or disability insurance) Property and Casualty Insurers (RCW 48.32) Life and Disability Insurers (RCW 48.32A) Property Insurers (Per RCW 48.19) Washington Surveying & Rating Bureau |
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| WV |
West Virginia Insurance Guaranty Association [WV Code §33-26] West Virginia Life and Health Insurance Guaranty Association [WV Code §33-26A] West Virginia FAIR Plan [WV Code §33-20A] West Virginia Automobile Insurance Plan (AIPSO) West Virginia Board of Risk and Insurance Management (BRIM) |
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| WI |
Workers Compensation Rating Bureau * Wisconsin Insurance Security Fund |
Wisconsin Insurance Plan Wisconsin Auto Insurance Plan * Note: Workers Compensation Rating Bureau membership is required prior to authorization of the workers compensation line of authority. Other associations are consequence of licensure, and do not require prior applications for membership. |
| WY |
Wyoming Health Insurance Pool, W.S. 26-43-101 et seq.; |
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