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Portable electronic device insurance (new law)

Published (5/25/2012)
By Mike Cook
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Legislation regulating insurance on portable electronic devices will be clarified.

Rep. Diane Anderson (R-Eagan), who sponsors the new law with Sen. Paul Gazelka (R-Brainerd), said this insurance covers the loss or damage to portable devices such as mobile phones, laptops and iPads. Coverage is typically sold at the place of purchase.

Legislation passed in 2010 exempted the counterperson from having to be an independent insurance agent and required a vendor to provide training and keep a list of all locations that sell the insurance. Because many more places now sell portable electronics devices, supporters said system updates are needed.

The largely technical law, effective Jan. 1, 2013, requires that the insurance must be sold separately, not as part of a package deal; allows training for the insurance to be done electronically; requires a mandated disclosure to affirmatively state that upon cancellation of the coverage that the premium will be refunded on a ratable basis to the customer; and allows coverage correspondence notice to be sent by mail or electronically.

HF2638*/ SF2310/CH259

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