# Title 45 — Insurance, Commissioner of

## Article 45-13 — Lines of Insurance

## Chapter 45-13-01 — Lines of Insurance

### § 45-13-01-01. Lines of insurance.

An insurance company or an insurance agent may apply to engage in insurance activities in one or
more of the following lines of insurance:
1. Life and annuity.
2. Accident and health.
3. Property.
4. Casualty.
5. Variable life and annuity.
History: Effective January 1, 2000.
General Authority: NDCC 28-32-02
Law Implemented: NDCC 26.1-05-02, 26.1-12-11, 26.1-26-11
### § 45-13-01-02. Product types - Definition.

Each line of insurance is defined to include the following products:
1. Life and annuity includes:
Annuity/institutional investment Equity/interest indexed annuity
Credit life Equity/interest indexed universal life
Deferred annuity Structured settlement annuity
Endowment Term life
Guaranteed investment Universal life
contract/pension plan Whole life
Immediate annuity
and similar products relating to life and annuity matters.
2. Accident and health includes:
Accident Hospital indemnity
Accidental death Hospital and surgical
Accidental death and dismemberment Intensive care
Cancer Involuntary unemployment
Civilian health and medical program Long-term care
of the uniformed services Major medical

supplement Managed care/excess loss
Credit disability Medical expense
Critical illness Medicare supplement
Dental Nursing home
Disability income Organ and tissue transplant
Excess loss Prescription drug
Family leave Specified disease
Human immunodeficiency virus Sickness
indemnity Stop-loss medical
Home health care Surgical expense
Vision
and similar products relating to accident and health matters.
3. Property includes:
Aircraft cargo Earthquake
Aircraft hull Extended coverages
Allied lines Fire
Auto commercial physical damage Fire and allied lines
Auto private passenger physical damage Flood
Baggage Force placed
Boiler and machinery Glass
Burglary and robbery Lenders collateral
Business income Livestock
Cargo Money and securities
Commercial inland marine Marine cargo
Commercial multi-peril Marine hull
Commercial property Mortgage guarantee
Credit Multi-peril crop
Credit card Ocean marine
Credit property Personal floater
Crime Personal inland marine
Crop Pet
Crop hail Rain
Crop supplements Theft
Difference in conditions Vandalism
Dwelling Vendors single interest
and similar products relating to property matters.
4. Casualty includes:
Aircraft liability Medical malpractice
Asbestos abatement Mechanical breakdown
Auto commercial liability Personal excess liability
Auto private passenger liability Personal umbrella liability
Auto warranty contract Personal liability
Bail bonds Pollution liability
Bonds Premises and operations
Commercial excess liability Prepaid legal service
Commercial general liability Product liability
Commercial umbrella liability Product recall
Contractual liability Products and completed operations
Directors and officers Professional liability

Design professional Owners and contractors
Employers liability Railroad protective
Environmental impairment Ransom and extortion
Errors and omissions Stop gap
Fidelity bonds Stop-loss liability
Fidelity insurance Surety
Home warranty Title
Legal expense Vehicle service contracts
Legal malpractice Workers' compensation
Liquor and dram shop liability
and similar products relating to casualty matters.
5. Variable life and annuity includes:
Variable deferred annuity
Variable immediate annuity
Variable group annuity/pension plan
Variable life
and similar products relating to variable life and annuity matters.
History: Effective January 1, 2000; amended effective October 1, 2019.
General Authority: NDCC 28-32-02
Law Implemented: NDCC 26.1-05-02.1
### § 45-13-01-03. Products relating to more than one line of insurance - Combination products.

Certain insurance products may involve two or more lines of insurance. A company marketing a
combination product must carry authorization for each of the respective lines of insurance. Products
involving a combination of property and casualty lines of insurance include aircraft, auto commercial,
auto private passenger, boat owners, business owners, condominium owners, farm owners, garage
keepers, homeowners, mobile homeowners, special multi-peril, commercial multi-peril package, and
tenants. Products involving a combination of life and annuity, and accident and health lines of insurance
include multi-line credit, multi-line life and health, and multi-line association and employer. Products
involving a combination of property and casualty, and accident and health lines of insurance include
multi-line association and employer, travel, and multi-line credit.
History: Effective January 1, 2000.
General Authority: NDCC 28-32-02
Law Implemented: NDCC 26.1-05-02.1, 26.1-12-11.1, 26.1-26-11.1
### § 45-13-01-04. Prepaid legal service.

An insurance company that markets prepaid legal services must be licensed as a prepaid legal
service organization and comply with chapter 26.1-19 of the North Dakota Century Code before
transacting business in this state.
History: Effective January 1, 2000.
General Authority: NDCC 28-32-02
Law Implemented: NDCC 26.1-19
