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  "id": "ny-dfs-ogc-03-07-35",
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  "contentVersion": "2026.08.31",
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  "operator": {
    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
    "license": "6013787",
    "licenseAuthority": "California Department of Insurance"
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  "notice": "Public page facts only. This record contains no visitor question, no tool input, and no identifier. It is not a coverage determination, an eligibility decision, or individualized advice.",
  "title": "OGC Opinion No. 03-07-35: Claims Made and Reported Policies",
  "publisher": "New York State Department of Financial Services, Office of General Counsel (issued by the then New York State Insurance Department)",
  "url": "https://www.dfs.ny.gov/insurance/ogco2003/rg030735.htm",
  "officialHost": true,
  "sourceType": "regulator-guidance",
  "authorityLevel": "regulator",
  "primary": false,
  "jurisdiction": "NY",
  "publishedDate": "unknown",
  "effectiveDate": "n/a",
  "accessedDate": "2026-08-31",
  "lastChecked": "2026-08-31",
  "updateCadence": "one-time opinion letter; the Department does not routinely revisit or annotate archived OGC opinions",
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  "supportsClaims": [
    {
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      "checksum": "2ab2170f4c9d",
      "text": "States that a claims-made and reported policy requires that the claim and the reporting of the claim to the insurer both take place during the same policy term."
    },
    {
      "claimId": "ny-dfs-ogc-03-07-35#c2",
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      "checksum": "c236d4b37621",
      "text": "States that authorized insurers are not permitted to write such policies chiefly because of the risk of gaps in coverage inherent in such policies."
    },
    {
      "claimId": "ny-dfs-ogc-03-07-35#c3",
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      "checksum": "7ef55b9d4413",
      "text": "Concludes that a claims-made and reported policy may not be issued in New York except by an unauthorized insurer through an excess line broker."
    }
  ],
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    {
      "kind": "Question",
      "title": "What is a claims-made retroactive date?",
      "url": "https://bestinsuranceresearch.com/questions/claims-made-retroactive-date"
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    {
      "kind": "Module",
      "title": "Contract Insurance Requirements (1 check)",
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  "citation": {
    "text": "New York State Department of Financial Services, Office of General Counsel (issued by the then New York State Insurance Department). \"OGC Opinion No. 03-07-35: Claims Made and Reported Policies.\" unknown. https://www.dfs.ny.gov/insurance/ogco2003/rg030735.htm (retrieved 2026-08-31).",
    "viaThisSite": "BestInsurance Research source record ny-dfs-ogc-03-07-35, content version 2026.08.31. https://bestinsuranceresearch.com/sources/ny-dfs-ogc-03-07-35",
    "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list."
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}