NDAC 45-13-01-03
Products relating to more than one line of insurance - Combination products
Cite as N.D. Admin. Code ยง 45-13-01-03
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.