STATE OF NEW YORK
________________________________________________________________________
9568--A
IN ASSEMBLY
January 14, 2026
___________
Introduced by M. of A. BERGER -- read once and referred to the Committee
on Transportation -- committee discharged, bill amended, ordered
reprinted as amended and recommitted to said committee
AN ACT to amend the general business law, in relation to requiring elec-
tric scooter service platforms to maintain insurance coverage
The People of the State of New York, represented in Senate and Assem-bly, do enact as follows:
1 Section 1. The general business law is amended by adding a new section
2 391-ccc to read as follows:
3 § 391-ccc. Electric scooter service platform insurance. 1. Defi-
4 nitions. For the purposes of this article, the following terms shall
5 have the following meanings:
6 (a) "Digital network" means any electronic system or service offered
7 or utilized by an electric scooter service platform that through the use
8 of an app accessed through a phone, tablet, computer, or a digital
9 token, digital key, or substantially similar technology, enables the
10 unlocking, access, operation, docking, charging, and payment for use of
11 a scooter.
12 (b) "Electric scooter service platform" means a person, corporation,
13 partnership, sole proprietorship, or other entity operating in New York
14 state that owns, leases, or controls more than two electric scooters and
15 provides them for use by the public, where access to and operation of
16 such scooters is through using a digital network.
17 (c) "Trip" means the lawful operation of an electric scooter owned or
18 controlled by an electric scooter service platform, subsequent to
19 accessing such electric scooter through a digital network.
20 2. Liability insurance. (a) No electric scooter, as defined in section
21 one hundred fourteen-e of the vehicle and traffic law shall be offered
22 for use through an electric scooter service platform unless it is
23 covered by a policy of insurance, in such language and form as shall be
24 determined and established by the superintendent of financial services.
25 An electric scooter service platform, through a group policy, shall
26 maintain insurance that provides financial responsibility coverage upon
EXPLANATION--Matter in italics (underscored) is new; matter in brackets
[] is old law to be omitted.
LBD14018-05-6
A. 9568--A 2
1 the operator accessing a scooter through a digital network and through-
2 out the duration of the operator's trip.
3 (b) Such policy shall offer coverage of no less than twenty-five thou-
4 sand dollars per occurrence in the event of an accident involving an
5 app-based electric scooter service platform vehicle. Such coverage shall
6 be primary over any other coverage. It may be provided individually or
7 on a group basis by an authorized insurance company or through a duly
8 licensed excess line broker.
9 (c) Such policy shall provide for coverage against loss from the
10 liability imposed by law for medical payments because of bodily injury
11 to or death of any person; and injury to or destruction of property
12 arising out of the ownership, maintenance, use, or operation of an elec-
13 tric scooter owned or controlled by an electric scooter service platform
14 while the operator has accessed an electric scooter through a digital
15 network and throughout the duration of the operator's trip. Such policy
16 shall not provide personal injury protection pursuant to article fifty-
17 one of the insurance law.
18 (d) Proof of insurance as required by this section shall be produced
19 and displayed by an electric scooter service platform upon the request
20 of any person having authority to enforce the provisions of this chap-
21 ter. The failure to produce such proof upon the request of any such
22 person shall not be an offense but shall be presumptive evidence that
23 such electric scooter is being operated without having such insurance in
24 force and effect.
25 (e) Proof of insurance as required by this section shall be produced
26 and displayed by the owner or operator of such electric scooter to any
27 person who has suffered or claims to have suffered either injury or
28 property damage as a result of the operation of such electric scooter,
29 if such insurance coverage was required under the circumstances of such
30 operation. It shall be an affirmative defense to any prosecution for a
31 violation of this subdivision that such proof was so produced or
32 displayed within twenty-four hours of receiving notice of such injury or
33 damage, or the claim of such injury or damage.
34 § 2. This act shall take effect on the one hundred eightieth day after
35 it shall have become a law. Effective immediately, the addition, amend-
36 ment and/or repeal of any rule or regulation necessary for the implemen-
37 tation of this act on its effective date are authorized to be made and
38 completed on or before such effective date.
