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SB 2374NORTH DAKOTASession 69State BillSigned into law
Enacted

North Dakota regulates property insurance arbitration, managed repair programs, and surplus lines policies under SB 2374

Original title: AN ACT to create and enact two new sections to chapter 26.1-30, two new sections to chapter 26.1-39, a new section to chapter 26.1-44, and a new subsection to section 26.1-46-03 of the North Dakota Century Code, relating to mandatory arbitration endorsements for property insurance, managed repair programs, civil remedy actions against property insurers, notice of property insurance claims, and surplus lines insurance policies; to amend and reenact sections 26.1-02-05, 26.1-25-02.1, 26.1-25-16, 26.1-26-04.1, 26.1-44-03, 26.1-46-01, 26.1-46-08, and 26.1-46-08.1 of the North Dakota Century Code, relating to exceptions to unauthorized insurance transactions, exceptions for large commercial risks in fire, property, and casualty insurance rates, surplus lines insurance, risk retention groups and purchasing groups, restrictions on insurance purchased by purchasing groups, and purchasing group taxation and fees; to repeal section 26.1-44-03.3 of the North Dakota Century Code, relating to an exemption from search requirements for licensed surplus line producers; to provide for a legislative management report; and to provide a penalty.

Last action · May 2, 2025: Filed with Secretary Of State 05/01Sponsors: Jeff Barta and 5 others

Bill progressHistory & official text ↓
Introduced
Committee
Floor Vote
Passed
Law

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What This Bill Does

North Dakota has enacted legislation regulating mandatory binding arbitration endorsements and s for property insurance, while establishing strict notice deadlines for supplemental and reopened claims. The measure requires explicit written consent for arbitration agreements, sets capital requirements for surplus lines insurers, and directs a study on towing and recovery coverage.

Why it matters

Property owners face new disclosure rules and consent requirements when purchasing insurance policies that restrict repair vendor choices or mandate binding arbitration, while also encountering a strict one-year deadline to file supplemental or reopened property insurance claims.

Background
  • Senate Bill 2374 was introduced during the sixty-ninth legislative session of North Dakota and signed into law by the Governor. context

Who It Affects

Groups the bill's text affects, as described in the record. Being affected is not a position for or against it.

Directly affected

Property insurance policyholders

Policyholders face new written consent requirements for arbitration, disclosures for restricted repair vendors, and strict twelve-month claim notice deadlines.

Directly affected

Property insurers

Insurers must provide specific separate endorsement forms, disclosures, and adhere to claim notice time limits and capital requirements.

Directly affected

Insurance producers

Producers are subject to updated rules regarding promotional gifts, fee disclosures, surplus lines search requirements, and service fees.

Key Facts

You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.

Frequently Asked Questions

What are the new notice deadlines for supplemental property insurance claims?
A supplemental claim is barred unless notice is given to the insurer within twelve months after the date of the last payment issued by the insurer for that element of the loss.
Can an insurance producer give cash gifts to clients under the new rules?
No. Producers may give promotional items or meals up to 100 dollars per person per year, but giving cash, cash cards, currency, or premium discounts is strictly prohibited.
What is required before a policyholder can bring a bad faith claim against a property insurer?
The named insured must establish through an adverse adjudication by a court of law that the property insurer breached the insurance contract and obtain a final judgment or decree against the insurer.

What else do you want to know?

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Where This Stands

Current status: Signed into law.

Procedural history

26 actions
  1. May 2, 2025
    Filed with Secretary Of State 05/01
  2. May 1, 2025SenateEnrolled
    Signed by Governor 04/30
  3. Apr 29, 2025SenateEnrolled
    Sent to Governor
  4. Apr 29, 2025Senate
    Signed by President
  5. Apr 28, 2025House
    Signed by Speaker
  6. Apr 24, 2025HouseFloor
    Second reading, passed as amended, yeas 79 nays 14
Show 20 earlier actions
  1. Apr 24, 2025HouseCommittee
    Conference committee report adopted
  2. Apr 21, 2025HouseCommittee
    Reported back from conference committee, in place of, placed on calendar
  3. Apr 21, 2025SenateFloor
    Second reading, passed, yeas 46 nays 1
  4. Apr 21, 2025SenateCommittee
    Conference committee report adopted
  5. Apr 21, 2025SenateCommittee
    Reported back from conference committee, in place of, placed on calendar
  6. Apr 15, 2025HouseCommittee
    Conference committee appointed J. Johnson C. Brown Vollmer
  7. Apr 11, 2025SenateCommittee
    Conference committee appointed Barta Kessel Klein
  8. Apr 11, 2025Senate
    Refused to concur
  9. Apr 9, 2025Senate
    Returned to Senate (12)
  10. Apr 8, 2025HouseFloor
    Second reading, passed as amended, yeas 76 nays 17
  11. Apr 3, 2025HouseCommittee
    Amendment adopted, placed on calendar
  12. Apr 2, 2025HouseCommittee
    Reported back amended, do pass, amendment placed on calendar 7 4 3
  13. Mar 18, 2025HouseCommittee
    Committee Hearing 02:30
  14. Feb 21, 2025HouseIntroduced
    Introduced, first reading, referred Industry, Business and Labor Committee
  15. Feb 20, 2025House
    Received from Senate
  16. Feb 19, 2025SenateFloor
    Second reading, passed, yeas 45 nays 2
  17. Feb 19, 2025SenateCommittee
    Amendment adopted, placed on calendar
  18. Feb 18, 2025SenateCommittee
    Reported back amended, do pass, amendment placed on calendar 5 0 0
  19. Feb 5, 2025SenateCommittee
    Committee Hearing 10:00
  20. Jan 27, 2025SenateIntroduced
    Introduced, first reading, referred Industry and Business Committee

Version history

Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.

View official text →

Lobbying Activity

No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.

Full breakdown

Who this bill affects and the strongest case for and against it, written only from the bill’s own text.

Sponsors

Jeff BartaSenate · District 43RepublicanPrimary sponsor
David HogueSenate · District 38RepublicanCosponsor
Jorin JohnsonHouseRepublicanCosponsor
Jerry KleinSenate · District 14RepublicanCosponsor
Mike LeforHouseRepublicanCosponsor
Show 1 more sponsor
Jonathan WarreyHouseRepublicanCosponsor

Discoveries

1 pattern noticed across the record

Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.

policy shift95% confidence

Establishment of Strict Claim Notice Limits

SB 2374 introduces explicit one-year deadlines for supplemental and reopened property insurance claims, altering prior claims management timelines.

North Dakota Century Code

Connected Entities

National Association of Insurance Commissioners International Insurers Department, North Dakota Insurance Commissioner, North Dakota Legislative Assembly
OrganizationNational Association of Insurance Commissioners International Insurers Department“Maintains quarterly listing of alien insurers”Map →
PersonNorth Dakota Insurance Commissioner“Enforces provisions and receives reports”Map →
OrganizationNorth Dakota Legislative Assembly“Legislative body that enacted SB 2374”Map →

Sources

Open source document

ndlegis.gov

Analysis Score

0–100
  • Significance80
    How much this matters to a regular citizen
  • Controversy60
    Intensity of disagreement among stakeholders
  • Entertainment10
    Compellingness for a non-policy-wonk reader
  • Buzz35
    Current news / social attention level

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