New York compliance
New York insurance fraud training
New York requires auto, workers compensation and accident and health insurers writing 3,000 or more such policies a year to file a fraud prevention plan with in-service fraud training for investigative, underwriting and claims staff.
The requirement
What New York requires
Insurance Law Section 409 and 11 NYCRR 86.6 (Regulation 95) require covered insurers to file a fraud prevention plan with the Department of Financial Services and to run a special investigations unit. Section 86.6(b)(6) requires the plan to provide in-service training for investigative, underwriting and claims personnel in identifying and evaluating instances of suspected insurance fraud.
The training must include an introductory session and periodic refresher sessions. The plan must describe the courses and state the approximate number of hours and their frequency. The state sets no minimum hours, so the insurer must follow what it filed. The plan must also provide a fraud detection and procedures manual for underwriting, claims and investigative staff.
Covered insurers file an annual SIU report with DFS. A 2025 amendment to Regulation 95 moved the deadline from January 15 to March 15.
- Auto, workers compensation and A and H insurers writing 3,000 or more policies a year
- In-service training for investigative, underwriting and claims personnel
- An introductory session plus periodic refreshers, with hours stated in the plan
- Annual SIU report to DFS, due March 15
Sources, checked October 2026
How NATG helps
Meet the New York mandate with one program
- Annual and new-hire anti-fraud courses in versions for each line of business and department
- Online, or instructor-led at your location
- Completion records, certificates and reports for your fraud plan and examiners
- One program for every state you write in, tracked in one place
NATG specializes in insurance fraud and investigations. Our compliance courses are built around the detection, referral and reporting duties in state fraud plans.
Questions
New York anti-fraud training questions
Who must take fraud training under New York Regulation 95?
Investigative, underwriting and claims personnel of insurers covered by Insurance Law 409: auto, workers compensation and accident and health insurers writing 3,000 or more such policies a year, and larger Article 44 health plans.
How many hours does New York require?
The state sets no minimum. Your fraud prevention plan must describe an introductory session and periodic refreshers and state their approximate hours and frequency, and you must follow it.
When is the New York SIU annual report due?
March 15, under the 2025 amendment to Regulation 95 and Insurance Law 409.
Can NATG courses be used for Regulation 95?
Yes. NATG provides introductory and refresher courses with set hours and course descriptions you can put in your plan, plus completion records for DFS.
Other states
Anti-fraud training requirements in other states
- Arkansas
- California
- Colorado
- Connecticut
- District of Columbia
- Florida
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Minnesota
- New Hampshire
- New Jersey
- New Mexico
- Ohio
- Pennsylvania
- Tennessee
- Utah
- Vermont
- Washington
This page is a guide to help you comply with state law. It is not legal advice; confirm the current requirement with your counsel or the state insurance department.
Train your New York staff
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