S 1404 New Jersey Senate · 2026-2027 Regular Session

Broadens scope of information sharing and civil immunity therefor, related to insurance fraud.

S 1404 expands the types of information insurance companies and fraud detection organizations can legally share to prevent insurance fraud. It specifically allows sharing details about "adverse underwriting decisions" (like coverage denials, rate increases, or failed applications) between insurers, agents, and insurance-support organizations. The bill also provides legal protection (civil immunity) for entities that share this information in good faith. This directly affects insurers, agents, and insurance-support organizations involved in fraud investigations. The changes aim to improve fraud detection without exposing information sharers to lawsuits.

Bill status in committee 1 of 4 stages cleared

Introduction

Jan 2026

Committee Review

Floor Vote

Governor

Introduced Jan 13, 2026 Last action Jun 8, 2026

Maddy AI version diff · 1 comparison

What changed between versions

Technical Review Of Prefiled Bill → Introduced · 4 edits · Jan 13, 2026

MODERATE

This diff reflects the transition of S 1404 from a technical review draft to its introduced version. The changes are almost entirely procedural and formatting: removal of the 'TR' designation, a status line update, line reflowing, and minor cross-reference corrections (adding 'et seq.' to one statutory citation). A new STATEMENT paragraph was appended at the end summarizing the bill's purpose. No substantive policy language changed between these two versions.

TECHNICAL

Removed the 'TR' suffix from the bill number and changed the status line from 'As reported by the Senate Commerce Committee with technical review' to 'Introduced Pending Technical Review by Legislative Counsel.'

A STATEMENT paragraph was added at the end of the bill summarizing its purpose: broadening information disclosure for insurance fraud detection, expanding definitions of 'insurance-support organization' and 'privileged information,' widening civil immunity from defamation/privacy claims to any cause of action, and establishing new immunity under the Insurance Fraud Prevention Act for reports made to regulators, law enforcement, and industry bodies.

Added 'et seq.' to the cross-reference P.L.1970, c.215 (C.17:29D-1) in the definition of 'insurance institution,' making it C.17:29D-1 et seq.

Removed a redundant cross-reference to 'chapter 22 of Title 17B of the New Jersey Statutes' from the bracketed amendment text in the definition of 'Agent.'

Floor votes

How they voted

No floor votes recorded yet.

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Jun 8, 2026

Committee

Referred to Senate Budget and Appropriations Committee

upper

Jan 13, 2026

Introduced

Introduced in the Senate, Referred to Senate Commerce Committee

upper

2 primary · 0 co-sponsors