On Oct. 21, 2026, Reg-Track made an editorial update to reflect governor approval.
On Jul. 30, MA LEG passed a bill that is on insurance claims.
MA LEG passed bill S.785 to establish protections for policyholders in Massachusetts.
Bill Provision
The bill prohibits property and casualty insurers, including non-admitted and surplus lines insurers, from restricting insureds’ ability to hire public insurance adjusters.
A public insurance adjuster is a professional who assists policyholders with claims.
The bill makes restrictive policy language automatically unenforceable and requires it to be removed from the policy entirely, while leaving all remaining policy terms intact.
Amends Chapter 176D of General Laws, which governs deceptive insurance practices.
In addition, the bill also classifies such policy clauses as unfair claims practices.
Together, these changes ensure insurers cannot block policyholders from seeking independent professional representation during the claims process.
They strengthen rights and create a more balanced process for resolving disputes.
Legislative History
On Feb. 27, 2025, bill introduced in Senate; on Jul. 13, 2026, bill passed in Senate.
On Jul. 13, 2026, bill introduced in the House; on Jul. 30, 2026, bill passed in House.
Effectiveness
If enacted, Massachusetts laws generally take effect 90 days after enactment.
Aug. 2026 Governor Approval
On Aug. 7, 2026, MA LEG reported governor approved bill, assigned Chapter 187.
Oct. 21, 2026 Editorial Update
On Oct. 21, 2026, Reg-Track made an editorial update to reflect governor approval.
