2025 Session Last amended: 2005 session

§ 66A.311 — Exemption; Fire, Hail, and Tornado Associations Maintained by Members of One Religious Denomination

Plain-Language Summary

Members of a single church or religious denomination can create an informal, unincorporated association to mutually insure each other's property against fire, lightning, hail, or tornado. The association only insures property of actual members and does not need a license from the commissioner or have to file reports.

66A.311 EXEMPTION; FIRE, HAIL, AND TORNADO ASSOCIATIONS MAINTAINED BY MEMBERS OF ONE RELIGIOUS DENOMINATION.

The members of any one church, or of any one religious denomination, may maintain for the exclusive benefit of the members thereof an unincorporated association for the mutual insurance of the property of the members against loss or damage by fire, lightning, hail, or tornado, or all of them. The association shall furnish no insurance except upon the property of an actual member of the church or denomination. It may conduct its business upon the plan and method adopted by it and shall not be required to be licensed by or report to the commissioner.

History:

1967 c 395 art 7 s 20; 2005 c 69 art 2 s 18

History: History: 1967 c 395 art 7 s 20; 2005 c 69 art 2 s 18

Practical Notes

This is a narrow exemption for faith-based communities. The association must serve only one church or denomination and can only insure members’ property. It operates outside the normal insurance regulatory framework.

Source: Minnesota Office of the Revisor of Statutes