Video & Transcript : 'insurance liability' :

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WA

Washington 2025-2026 Regular Session

House Floor Session Jan 28th, 2026

Washington House Floor Meeting

Transcript Highlights:
  • Speaker, was when I was showing some insurance companies what life was like... ...was when I was showing
  • some insurance companies what life was like on a hop farm during harvest.
Summary: The House convened with a quorum, opened with the Pledge of Allegiance, a National Anthem performance, and a prayer offered by Washington Army National Guard Lieutenant Colonel Jeffrey Cole. The chamber then adopted House Resolution 4675, honoring the Washington National Guard for its service in emergencies, search and rescue, disaster response, and military readiness. Members spoke in support, highlighting the Guard’s history, its role in recent flood and landslide responses, and the sacrifices of service members and their families. The resolution passed by voice vote, and Guard leadership and members present in the galleries were recognized. The House also recognized Congressman Dan Newhouse in a point of personal privilege, with remarks praising his service in state and federal office and his ties to agriculture. The chamber then moved to the Fourth Order of Business and debated a motion to suspend House rules to send two initiatives to the Education Committee for prompt public hearings. Supporters argued the Constitution requires precedence for initiatives and that the House should hear them promptly; opponents argued the Constitution allows the Legislature to take no action and that the motion was unnecessary. The motion to suspend the rules failed on a recorded vote, 38 yeas and 57 nays, with three excused. Next, members debated the routine motion to refer the bills, memorials, measures, and resolutions on the introduction sheet to committee. Some members again argued the two initiatives should be given priority and public hearings before other business, while others supported normal referral of the day’s measures. The motion passed on a recorded vote, 57 yeas and 38 nays, with three excused. Committee reports were then accepted and referred as designated, and the House adjourned until Thursday, January 29 at 10:30 a.m.
TX

Texas 89th Regular

Public Health May 19th, 2025

Public Health

Transcript Highlights:
  • expand provider scope of practice or limit hospitals' ability to set high standards or create new liability
  • It's like an insurance policy.
  • Senate Bill 660 will not only save lives, but it will also shield hospitals from costly repairs and liability
  • Because I had insurance. they could build.
Committee: House Public Health
TX
Transcript Highlights:
  • So the RESEA programs provide more intensive employment services to... unemployment insurance claimants
  • The COVID-19 pandemic brought a significant significant surge in unemployment insurance fraud, revealing
  • This will give the Texas Workforce Commission the ability to verify unemployment insurance claims and
  • We infer that we have the authority in unemployment insurance. because there's a definition of fraud,
AL

Alabama 2025 Regular Session

Alabama Senate Finance and Taxation Education Committee Apr 30th, 2025

Finance and Taxation Education

Transcript Highlights:
  • it's not just sales... different in that it's not just sales tax, but it's financial excise premium insurance
  • come here and work for less than 30... ...and work for less than 30 days, and that triggers a tax liability
Bills: HB86 , HB273 , HB379 , HB386 , HB387 , HB388 , HB389 , HB487 , HB600 , SB120 , HB176
TX

Texas 89th Regular

Public Health Apr 14th, 2025

Public Health

Transcript Highlights:
  • Now this bill, does it require insurance carriers to cover this service once it's...?
  • And then what about life insurance? What would be the differences for liability?
  • From my practice, I have to have a group and individual liability.
  • , and even the state. funded insurers.
  • It says in state statute that the surgeon has no liability.
Committee: House Public Health
TX

Texas 89th Regular

Public Health Apr 14th, 2025

Public Health

Transcript Highlights:
  • So the liability, in a way... having independence would decrease their liability?
  • Is that covered by insurance? It can be.
  • But if you don't have insurance...
  • It's the insurance company that's paying for it.
  • That was for their personal. ...co-insurance.
Committee: House Public Health
MN

Minnesota 2025-2026 Regular Session

House Human Services Finance and Policy Committee 4/1/25

Human Services Finance and Policy

Transcript Highlights:
  • options for these workers insurance options for these workers continues<00:04:03.760><c> this</c><00
  • In the past, I've gone without insurance or bought, um, insurance to make sure that I have insurance.
  • In the past, I've gone without insurance or bought, um, insurance to make sure that I have insurance.
  • In the past, I've gone without insurance or bought, um, insurance to make sure that I have insurance.
  • In the past, I've gone without insurance or bought, um, insurance to make sure that I have insurance.
DE
Transcript Highlights:
  • Natalie de Sabatino Graf, the Department of Insurance.
  • when resolving an insurance claim.
  • between insurers and repair shops.
  • This isn't about outsized liability.
  • This isn't about an outsized liability.
Summary: The committee heard several bills, but much of the meeting focused on House Bill 306, which would require disclosure when a consumer is interacting with a chatbot rather than a human. Sponsor Senator Townsend described it as a consumer protection measure and said the bill is meant to keep pace with rapidly changing AI technology. Committee members and witnesses raised concerns about the bill’s enforcement structure, especially private rights of action and penalties that could apply even without actual consumer harm. The Department of Justice said the bill would apply where the conduct has a Delaware nexus, and that the disclosure requirement is the key consumer protection. Industry witnesses and chambers of commerce opposed the bill as drafted, arguing it would create broad compliance burdens and expose businesses to excessive litigation risk without a harm requirement or clearer safe harbor language. Earlier in the meeting, the committee discussed House Bill 429, which would update Delaware’s step therapy exception process to include biosimilars and interchangeable biologics. Senator Poore and supporters from Highmark and the Department of Insurance said the bill would modernize insurance law, improve access to effective treatments, and reduce costs; they cited national savings from biosimilars and said the bill has agency support. Members asked about Delaware-specific savings, patient switching, and how the process would work, but no vote was taken during the discussion. The committee also heard House Bill 310, which would exclude large data centers from Blue Collar Jobs Act tax credits; the sponsor said the bill is intended to ensure large energy users contribute more to state and local revenues, while supporters and opponents debated competitiveness and community impacts. House Bill 406, on allowing insureds to choose their auto repair shop, and Senate Bill 347, a cleanup bill related to medical debt collection and personal property levies, were also presented without opposition in the hearing. House Bill 253, concerning who may receive letters testamentary or of administration, was described as a cleanup to align statute with existing practice. The committee approved the meeting minutes, but the transcript does not show final votes on the bills discussed.
WA

Washington 2025-2026 Regular Session

House Transportation Dec 4th, 2025

Transcript Highlights:
  • Figure out if they have insurance.
  • the insurer pays them back.
  • They also filed a property insurance claim with the state's insurance carrier and have received $1 million
  • The response was that raising liability limits would help, because a $10,000 property damage liability
  • car, but a $10,000 property damage liability on insurances is pretty inadequate.
Summary: The committee received a detailed staff presentation on Washington State Ferries’ capital needs, current fleet status, and long-range funding outlook. Staff described the current service pattern, ridership recovery since the pandemic, the aging fleet, and the state’s plan to add three new hybrid-electric Olympic-class vessels under the 2025 budget, with delivery expected around 2030-2032. Members also heard that the fleet is operating with no reserve vessel, that preservation time is below the desired level, and that terminal electrification and vessel conversion plans face timing, cost, and procurement risks. Questions focused on ridership trends, biofuel supply, design-risk allocation in vessel contracts, sequencing of terminal electrification with new vessel delivery, and the cost and feasibility of restoring international Sidney service, which would require a SOLAS-certified vessel. Staff then outlined ferry capital funding, saying recent spending and programmed needs are far above regular ferry-specific revenues and that the system relies on a mix of dedicated accounts, transportation package money, federal grants, and transfers. They said the near-term budget is balanced through 2027-29, but the longer-term capital outlook shows a shortfall of roughly $250 million to $300 million per biennium, with broader unmet needs much higher. The presentation estimated costs for future vessels, life extensions, terminal electrification, and additional Jumbo Mark II conversions, and noted that the current enacted plan does not fully fund fleet replacement, full electrification, or life extension of older vessels. Members asked for follow-up information on terminal seismic/environmental issues, contract options for additional vessels, and the timing and cost of alternative vessel designs. The committee then shifted to WSDOT maintenance and preservation. Pascoe Focktich described maintenance operations, including winter response, guardrail repair, facilities, equipment, and the effects of underfunding and inflation. He said most of the maintenance budget is fixed cost and labor, that material prices have risen sharply, and that many facilities are in poor condition with asbestos issues and deferred upkeep. He also noted growing guardrail damage, increasing pavement claims, and the burden of maintaining aging bridges and facilities. Members asked about prior planning for these needs, the role of asbestos, and whether more proactive sequencing could help budget decisions. Troy Suing then presented the highway preservation program, saying WSDOT is in the early stages of critical failure and has stretched preservation dollars as far as possible. He explained the distinction between pavement, bridge, and other highway asset preservation, said the department is largely reactive, and estimated that delaying work can make it three to five times more expensive later. He said about 40% of roadways are currently due or overdue for preservation, bridge conditions are nearing the federal poor-bridge threshold, and the department’s 10-year preservation need is about $8 billion. Members asked about the cost of deferring work, whether the department could do more if funded, how priorities are set, and whether other states face similar problems. Finally, Evan Grimm and Mike Fay briefed the committee on bridge strikes by overheight vehicles. They described recent incidents on I-90 near Cle Elum and SR 410 near White River, the damage and closures caused, and possible countermeasures such as public outreach, improved trip-planning tools, and a pilot warning system with sensors and flashing beacons. Fay explained the state’s financial recovery process for third-party damage, saying WSDOT recovers roughly $20 million per biennium and about 78% to 80% of billed damages, with money going to the motor vehicle fund. Members asked about prevention, insurance recovery, and whether the state uses claim data to inform future design or safety changes.
CA
Transcript Highlights:
  • The exponential growth in SIBTF claims and liability The exponential growth in SIBTF claims and liabilities
  • So, as I had stated in my testimony, the cost to self-insured—or sorry, the overall liabilities to employers
  • So as I had stated in my testimony, the cost to self-insured, or sorry, the overall liabilities to employers
  • or are self-insured.
  • So by adding, you—the liability for the file... ...100%.
Keywords: 988, house, all
CA
Transcript Highlights:
  • liability with the federal government.
  • The remaining liabilities that the debt payments can pay for are largely pension liabilities, so predominantly
  • the state's CalPERS unfunded liabilities.
  • unfunded liabilities.
  • The pension liabilities have...
Summary: The Senate Committee on Budget and Fiscal Review held an informational hearing on ACA 20, the Save for California’s Future Act, and took no votes. The chair described the measure as a way to strengthen the state’s Rainy Day Fund by increasing reserves during strong revenue years and helping pay down long-term obligations. The vice chair said he preferred a broader spending rule tied to a rolling average of revenues, rather than the proposal’s reserve-focused approach. The Legislative Analyst’s Office explained how Proposition 2 currently requires deposits into the Budget Stabilization Account and debt payments when revenues are strong, and how ACA 20 would change those rules by increasing required reserve deposits, raising the BSA target from 10% to 20% of General Fund revenues, creating a “super excess capital gains” deposit requirement, extending debt-payment requirements through 2040, and expanding eligible debt uses to include Proposition 98 settle-up, budgetary borrowing, and federal unemployment insurance debt. The Department of Finance said the administration supports the measure and believes it improves Proposition 2. Members asked about the Gann limit, whether the measure would allow more spending or simply change how deposits are counted, the impact on infrastructure and other programs, the size of the UI debt, and how the proposal would affect future budget flexibility. Several senators supported the goal of saving more in good years and using reserves to avoid painful cuts in downturns, while others questioned whether the proposal was sufficiently simple or whether a larger structural spending rule would be better. Public comment largely supported the measure, with one former legislative staffer arguing it follows earlier reserve reforms and helps address the state’s UI debt. The chair closed by noting the committee would not act that day and that the measure would be considered on the Senate floor the next day.
MO
Transcript Highlights:
  • They offer a pooled resource of insurance.
  • They offer a pooled resource of insurance.
  • It eliminates them for vicarious liability.
  • place liability where it belongs.
  • You say put the liability where it belongs.
Keywords: 959, house, all
KY
Transcript Highlights:
  • </c><00:04:24.280><c> are</c> while also ensuring liabilities are while also ensuring liabilities are
  • </c><00:08:02.080><c> so</c> they're receiving on their insurance so they're receiving on their insurance
  • </c><00:11:00.760><c> was</c> because of the the health insurance was because of the the health insurance
  • </c><00:19:33.320><c> anytime</c> to add to the unfunded liability anytime to add to the unfunded liability
  • But we still have an annual cost, adding an annual cost, additional unfunded liability.
Summary: The committee first approved the prior month’s minutes after a roll call established a quorum. It then heard testimony on a draft proposal from Senator Robbie Mills to increase CERS retiree health subsidies for members retiring on or after July 1, 2003. The bill would raise the non-hazardous subsidy from $14.63 to $40 per month per year of service and the hazardous-duty subsidy from $21.94 to $50, with employee contribution rates adjusted based on the health trust’s funded status. Supporters from sheriffs, firefighters, police chiefs, and the Kentucky League of Cities said the change would improve recruitment and retention, better align the subsidy with the cost of a single health plan, and preserve the system’s financial footing through shared employer-employee costs and funding triggers. Committee members asked about the fiscal impact, the effect of funding levels above 150%, and how the subsidy would work for rehired retirees or employees who later take private-sector jobs. Mills and other witnesses said preliminary actuarial work was still forthcoming, that the bill was intended to be revenue-neutral or close to it, and that the subsidy would continue to be paid monthly; they also noted existing 2008 rules for rehired retirees and said the benefit would still be available even if a retiree later had other insurance. One member suggested looking at stable accounts as an additional option for special-needs planning in a later bill. The committee then heard Senate Bill 58 from Senator Robin Webb, which would allow state employees to designate a Special Needs Trust as a beneficiary for retirement benefits. Webb said the measure would help employees provide for disabled dependents without jeopardizing SSI or Medicaid eligibility, and that the bill follows federal special-needs trust rules. He said the proposal could be revenue neutral, but actuarial analysis was still pending and KPPA had asked for electronic rather than paper transfer provisions. Members questioned whether the authority already exists, how the trust would work, and whether stable accounts should also be considered; Webb said he would follow up with additional information.
CA
Transcript Highlights:
  • Californians are required to purchase many forms of insurance, and insurers collect...
  • insurance company.
  • Insurance consumers come to them. They opt into using an independent insurance agent.
  • The insurance companies, excuse me, insurance agents don't do adverse underwriting.
  • And then in the other section, in terms of liability. So as I understand it... ...of liability.
Summary: The committee heard several bills focused on artificial intelligence, child safety, mental health, and privacy. SB 574 by Senator Umberg would require transparency and human oversight when attorneys, judges, and court neutrals use AI; it drew support from privacy advocates and committee members, with no opposition. SB 1276, the End Child Exploitation Act, would update child sexual exploitation laws to cover live-streamed and AI-generated abuse material and clarify that viewing such content can be criminally punishable; prosecutors, child advocacy groups, and others supported it, while no one appeared in opposition despite opposition on file. SB 813 would create a California AI standards and safety commission and a voluntary two-tier certification framework for AI safety standards; supporters said it would create scalable, independent oversight, while TechNet and CalChamber opposed it as duplicative, under-defined, and likely to create a de facto mandate. The committee discussed market pressure, federal preemption concerns, and the role of voluntary standards, but no final vote was taken in the excerpt. Senator Padilla also presented SB 300, which would strengthen protections for minors from sexually explicit chatbot content by moving from a reasonableness standard to an affirmative duty to prevent such exposure and to prohibit facilitation. Supporters said new evidence showed greater risks and that companies can and should build stronger safeguards; opponents, including TechNet and CCIA, argued the bill was premature because SB 243 had only recently taken effect and warned it could create strict-liability-like exposure. Padilla then presented SB 903, which would bar AI chatbots from being advertised as therapists, require licensed clinician oversight and informed consent for AI use in psychotherapy, and protect patient confidentiality; it received broad support from mental health professionals and labor groups, while industry and health associations were opposed unless amended over triage and crisis-detection language. The committee members emphasized the need for human judgment in mental health care and noted ongoing negotiations on amendments. The committee also heard SB 1119, a companion to AB 2020, which would require annual risk assessments, crisis-response protocols, default child settings, parental controls, limits on data use, public incident reporting, and third-party audits for chatbots used by children. Supporters argued the bill would address documented harms and improve transparency, while industry groups objected to ambiguous standards, liability exposure, and the private right of action. A roll call vote was taken on SB 1119 after quorum was established; the motion to pass to Appropriations succeeded on a 5-1 vote, with one no vote and the measure left on call for absent members. Finally, SB 354, a privacy bill for insurance consumers, would modernize outdated insurance privacy rules, bar sale of personal information, and expand consumer rights to know, correct, and delete data. Supporters said it would implement Proposition 24’s privacy mandate, while a large coalition of insurers, agents, brokers, and related businesses opposed unless amended, mainly seeking a small-business exemption and narrower treatment of publicly available information; members and the author said negotiations were ongoing and the bill had already been substantially revised.
NM

New Mexico 2026 Regular Session

Senate - Judiciary Feb 17th, 2026 at 09:37 am

Senate Judiciary

Transcript Highlights:
  • My health insurer. And so, this is going to be everyone who has health insurance in New Mexico.
  • An insurance company does.
  • If someone has health insurance you know the medical service is billed at 100, the insurance pays the
  • But someone who has insurance is treated differently than someone who doesn't have insurance.
  • And so if the insurance company paid the bill, of course, the insurance company will get reimbursed.
Keywords: 996, all
AZ

Arizona 2026 Regular Session

03/16/2026 - Senate Finance

Senate Finance Committee of Reference

Transcript Highlights:
  • Chair, members, House Bill 2996 specifies that a certificate of insurance is not an insurance policy,
  • and insured.
  • and insured.
  • HB 2996 expressly provides that a certificate of insurance is not an insurance policy.
  • kind of rules of insurance regulation is insurance companies can't delegate away and say, hey, this
Summary: The committee approved the March 9, 2026 minutes and held HB 29 and HB 2939 at the sponsor’s request. It then took up HB 2016, which would bar late-filing penalties when a taxpayer’s income tax liability is zero; after an amendment narrowed the bill to income tax filers, the Department of Revenue was neutral on the bill but supported the amendment, and members debated whether removing the penalty would reduce incentives to file. The committee adopted the amendment and returned HB 2016 with a do-pass recommendation on a 4-3 vote. The committee also heard HB 2289, which updates the property-value examples used in bond/override election pamphlets and truth-in-taxation notices from older low values to a $300,000 home example. The sponsor and Arizona Tax Research Association said the update would better reflect current home values and improve voter understanding, while some members argued the bill could confuse voters or that the second example should be closer to the current median home price. The committee passed HB 2289 on a 4-3 vote. Several bills related to school district bonding and agricultural property classification were then considered. HB 4103 would prohibit school districts from calling bond elections if enrollment is below 50% of capacity; supporters said districts should use or monetize excess space before seeking more debt, while school administrators and several senators argued it would block needed maintenance and local voter choice. HB 2104 and HB 2105 would give agricultural property owners a temporary reprieve from repeated reclassification and inspections after winning an appeal, with farm groups supporting the measures and county assessors opposing them as limiting oversight; both bills passed 4-3 after amendments. The committee also passed HB 2256 on a 7-0 vote, which creates a process for salvage auction dealers to obtain abandoned titles when insurers do not complete salvage title transfers, and HB 2979 and HB 2996 unanimously, addressing credit union regulatory timelines and clarifying that certificates of insurance do not alter policy coverage. Finally, the committee heard HB 2174 on insurance modeling organizations and HB 2477 on AZ 529 plan updates, with HB 2174 discussed at length over regulatory treatment of models and HB 2477 described as a conformity bill expanding K-12 and credentialing uses and rollover options.
CA

California 2025-2026 Regular Session

Senate Budget and Fiscal Review Committee Jun 24th, 2026

Budget and Fiscal Review

Transcript Highlights:
  • liability with the federal government.
  • The remaining liabilities...
  • The remaining liabilities that the debt payments can pay for are largely pension liabilities, so predominantly
  • the state's CalPERS unfunded liabilities.
  • The pension liabilities have...
Keywords: 987, senate, all
CA

California 2025-2026 Regular Session

Senate Emergency Management Committee Mar 24th, 2026

Emergency Management

Transcript Highlights:
  • I am the chief executive officer of the Association of California Water Agencies Joint Powers Insurance
  • Aqua JPA provides risk management, self-insurance, and loss prevention services to more than 400 public
  • Let's, whose liability is this? A lot of times, Mother Nature doesn't really have a liability.
  • Let's, whose liability is this? A lot of times, Mother Nature doesn't really have a liability.
  • It doesn't matter, and even your plan itself, it doesn't matter from a liability perspective.
Keywords: 987, senate, all