Bills in the 2002–2003 Session, General Assembly.
Neil M. Cohen
Sponsored
Became law16
Creates the "September 11th, 2001 Anti-Terrorism Act."
Provides for an attachment order to freeze certain funds or assets relating to terrorism.
Authorizes temporary local budget relief for costs of certain employee benefit programs. *
Clarifies that assessments for local improvements are continous lien on land from effective date ordinance or resolution authorizing assessment.
Permits certain fees on unsecured closed end loans.
Modifies statute of limitations pertaining to fraudulent conveyance actions.
Establishes and increases certain fees and penalties and provides for the use thereof.
Increases the term of officers of Educational Opportunity Fund board of directors from one year to two years.
Credits all prior PERS service of county prosecutors in Prosecutors Part at no additional cost.
Deregulates policy forms used by surplus lines insurers.
Revises procedures for issuance of bail bonds in this State.
Authorizes DCA to adjust certain county budgets to reflect certain county correctional facility costs. *
Clarifies certain rating provisions for small employers health benefits purchasing alliance policies.
Provides protections for insurance producers doing business with insurers transferring business to another company.
Concerns experience rating by certain dental service corporations.
Withdraws $30 million from the State disability benefits fund for deposit in the General Fund.
Passed the General Assembly17
Requires advance written directives for disposition of frozen human embryos.
Adds leader of firearms trafficking network and weapons training for illegal activities to RICO statute. *
Requires defendants convicted of crime of "leader of firearms trafficking network" to serve 85% of sentence prior to parole eligibility.
Upgrades crime of theft of certain firearms to a crime of the second degree. *
Upgrades crime of leaving the scene of a fatal accident to a crime of the second degree.
Establishes the "New Jersey Civil Rights Act."
Regulates contractors engaging in home improvements. *
Includes business broker in definition of real estate broker and salesperson.
Requires notification for potential license revocation of child care providers and certain health care facilities.
Increases the penalties for falsifying a driver's license and possessing a false driver's license.
Requires ownership label or notice on ATMs.
Allows JRS members to reduce retirement allowance to provide survivor benefit.
Prohibits certain provisions in employment contracts.
Enhances rights and remedies of employees who disclose or refuse to participate in fraudulent employer practices.
Exempts Holocaust reparations payments from legal process.
Exempts Holocaust reparations payments from estate recovery under Medicaid.
Permits retired justices and judges to retain special license plates. *
Out of committee28
Provides for assignment of certain homeowners insurance policies under certain circumstances.
The "New Jersey Pharmacist Business Assistance Act."
Establishes a community service/loan redemption program for pharmacists.
Disqualifies certain persons from flight instruction; institutes background checks.
Revises statutes concerning computer crime.
Provides for the registration and regulation of athlete agents.
Clarifies that purchase price of passenger automobile for calculation of sales tax due is amount on bill of sale.
Establishes toll-free telephone hotline for reporting guns and other weapons in public schools.
Concerns witness fees in workers' compensation cases.
Limits point assessment for unsafe driving.
Requires ATM facilities to be equipped with access to emergency telephone service.
Withdraws $50 million from the State disability benefits fund; authorizes certain other expenditures from the fund.
Provides for disclosure of electronic fund transfer account information by a financial institution if permitted by federal law.
Permits fiduciaries to employ and compensate accountants from fiduciary funds and permits certain out-of-state banks to be treated similarly as New Jersey banks. *
Amends and supplements the "New Jersey Parentage Act," establishing new procedures concerning blood or genetic testing.
Requires fee-for-service prescription drug benefits for SSI recipients under Medicaid.
Increases membership of the New Jersey State Board of Accountancy.
Requires clinical trial sponsor to provide certain information to New Jersey residents concerning continued payment for medication after clinical trial. *
Permits human stem cell research in New Jersey.
Requires managed care carriers to provide certain physicians with fee schedules.
Increases to 103% loan to value amount permitted under mortgage guaranty insurance.
Concerns third party payment for maternity services.
Concerns third party payment for neurosurgery services.
Modifies provisions of "The Check Cashers Regulatory Act of 1993." *
Creates the "September 11, 2001 Victims Compensation Act."
Clarifies the crime of soliciting or providing material support or resources for terrorism.
Requires the placement of defibrillators in certain public and nonpublic school buildings.
Makes various revisions to the "New Jersey Home Ownership Security Act of 2002."
In committee104
Requires health insurers to offer benefits for dose-intensive chemotherapy/bone marrow transplants and umbilical cord blood transplants for treatment of sickle cell anemia.
Provides for civil action and treble damages for a violation of the "New Jersey Trademark Counterfeit Act."
Changes compensation base of SPRS accidental death benefit pension for surviving spouses and children.
Establishes the crime of Bias Intimidation.
Establishes transporting of firearms into State for purpose of an unlawful sale or transfer as a crime of the second degree.
Provides for mile-based automobile insurance rating plan.
Supplemental appropriation of $100,000 to DHS for public awareness campaign concerning "New Jersey Safe Haven Infant Protection Act."
Prohibits terrorism exclusion in insurance policies.
Supplemental appropriation of $10 million to DHSS for breast cancer screening.
Establishes Breast Cancer Screening Access Program in DHSS; appropriates $10 million.
Requires insurance rate reduction for automobile equipped with fire extinguisher.
Requires securities broker-dealers and investment advisers to prepare signed and notarized new account forms for each client.
"Prescription Drug Cost Containment Act."
"Potential Life Protection Act."
Includes alimony as income in calculating child support.
Establishes "Health Care Investment Trust Fund."
Excludes from income for gross income tax and PAAD eligibility purposes victims' remuneration for involuntary internment received under judgments or settlement agreements.
Supplemental appropriation of $500,000 to DHSS for grants to UMDNJ and Hackensack University Medical Center for sickle cell anemia research.
Requires insurers which provide prescription drug benefits to cover costs of medications for treating sickle cell anemia.
Requires DHSS to prepare and distribute informational booklet about sickle cell anemia; appropriates $95,000.
Enacts the "September 11, 2001 Anti-Terrorism Act."
Requires financial institutions and check cashing businesses to file a suspicious transactions report when they suspect terrorism.
Establishes special license plates for veterans.
Prohibits certain deceptive advertising concerning merchandise with a manufacturer's rebate.
Amends Punitive Damages Act to add Conscientious Employee Protection Act.
Establishes the Administrative Law Judges Retirement System.
Provides for a term of imprisonment for a conviction of aggravated arson under certain circumstances.
Provides that an area surrounding a church, synagogue, temple or other place of public worship shall be designated a drug free zone.
Clarifies intent of the Legislature to provide for mandatory driver's license suspension as a penalty for motor vehicle theft.
Upgrades the crime of employing a juvenile in a drug distribution scheme; imposes a mandatory minimum term of ten years.
Provides for immunity concerning receipt of notice and State payment of notification costs under Megan's law.
Requires that Port Authority of NY & NJ notify vehicle owner within 30 days of alleged electronic toll system violation.
Requires homeowner to disclose information concerning nearby sex offender to potential buyer.
Supplemental appropriation of $1 million to Department of State for grant to NJIT Smart Gun Technology Development program.
Bars tracking or speed monitoring of motor vehicles via cell phone signals.
Provides corporation business tax credit for certain donations for adult day care center support.
Provides corporation business tax credit for adult day care center support benefiting employees.
Provides corporation business tax credit for certain support for adult day care centers.
Allows a gross income tax deduction for certain higher education tuition and fee expenses.
Exempts books from the sales and use tax.
Allows gross income tax exclusion of $3,500 of interest and dividends.
Exempts all pension income from gross income tax.
Provides for public inspection of plans to prevent and respond to discharges of certain hazardous substances at certain facilities.
Provides for a tax exemption on certain improvements to dwelling houses to facilitate their use by disabled persons.
Provides that pupils may not be prohibited from using sign language on school property.
Provides gross income tax credit for certain small business employers that provide health care benefits to employees.
Provides tax credit for certain corporate taxpayers that provide health care benefits to employees.
Extends eligibility for veterans' property tax deduction and disabled veterans' property tax exemption to certain veterans who have served in Korean Demilitarized Zone.
Concerns predatory lending practices.
Prohibits accessing of encrypted and non-encrypted information under certain circumstances.
Prohibits certain alcoholic beverage licensees from obtaining interest in another alcoholic beverage license.
Provides for license suspension and monetary penalties for occupancy and fire code violations by certain alcoholic beverage licensees.
Requires certain alcoholic beverage licensees to carry $1 million liability insurance.
Prohibits privatization of State services unless specifically authorized by statute.
Provides for certain ex-spouses to receive a widow's pension.
Provides for increased penalties for a crime committed in a church, synagogue, temple or other place of public worship.
Establishes a five year after-school pilot program in the Department of Education to discourage delinquency; appropriates $5,000,000.
Provides 5% workers' compensation premium reductions for employers who permit workplace inspections by insurers.
Increases workers' compensation benefits for dependents.
Concerns attorney's fees in workers' compensation cases.
Establishes Workers' Compensation Review Commission.
Transfers Bureau of Securities to Department of Banking and Insurance.
"Health and Dental Claims Authorization, Processing and Payment Act."
Increases certain workers' compensation benefits.
Allows UEZ municipalities to include certain activities and services as projects eligible for UEZ funding.
Establishes sales tax holidays in New Jersey on August 31 and November 29, 2002.
Establishes moratorium on issuance or renewal of private inspection facility licenses for facilities not operating on or before December 31, 2001; prohibits such facilities from charging more than $25 for on-board diagnostic system testing.
Criminalizes the deprivation of civil rights.
Eliminates the statute of limitations in civil actions for sexual abuse; clarifies accrual of certain causes of action and modifies the Charitable Immunity Act.
Makes failure to report an offense against a child a crime under certain circumstances.
Concerns automobile insurance rate making process.
Prohibits charging of municipal, county or State beach fees; establishes fund for beach maintenance; requires annual appropriation of $20,000,000 from realty transfer fees into fund; restricts other appropriations contingent on such funding.
Establishes moratorium until July 1, 2003 on cancellation and nonrenewal of medical malpractice liability insurance and prohibits premium increases during that time.
Eliminates certain check casher licenses under certain circumstances.
Modifies provisions of "The Check Cashers Regulatory Act of 1993."
Increases the maximum amount of bonds issued by the New Jersey Educational Facilities Authority for the Public Library Project Fund from $45 million to $95 million to provide library construction and technology grants.
Creates the "September 11, 2001 Victims and Families Relief Act."
Upgrades penalties for corporate fraud; provides for civil action for treble damages under certain circumstances.
Provides immunity to law guardians, guardians and guardians-ad-litem.
Establishes additional standards regarding auditing practices.
"Patient Surgical Safety Act."
Prohibits penalizing pharmacist for dispensing fraudulent prescription approved by Medicaid, PAAD or Senior Gold.
Concerns procedure and liability in medical malpractice actions.
Amends stalking law to provide for temporary restraining orders under certain circumstances.
Provides tax and other incentives for creating consortium to develop personalized handguns; appropriates $1 million.
Provides for suspicious transactions reporting for banks, money transmitters; provides for investigative interrogatories in forfeiture proceedings.
Authorizes admission of certain defendants into Pretrial Intervention program.
Limits minor's filing of medical malpractice liability action to minor's 15th birthday.
Concerns certain procedures in medical malpractice actions.
Revises certain provisions and underwriting criteria for medical malpractice insurance policies.
Provides that EMT training of volunteer EMTs on paid squads and volunteer firefighters are eligible for reimbursement from EMT Training Fund.
Makes theft of an emergency service vehicle a crime of the second degree under certain circumstances.
Extends the statute of limitations for certain sexual abuse cases and creates new cause of action against certain persons in supervisory positions.
Requires genetic testing to determine paternity in non-dissolution cases.
"Grace's Law;" provides health benefits coverages for hearing aids for children.
Creates New Jersey State Council on the Arts Donations Fund and provides for deduction from gross income of donations to fund.
Requires preference in State contracts for wood and paper products derived from sustainably managed forests and procurement systems.
Requires certain residential construction contract funds to be held in trust.
Increases certain fees in Special Civil Part of the Superior Court.
Provides certain information obtained by a legislator be considered confidential and not subject to disclosure.
Requires public school districts to include anger management instruction as part of the Core Curriculum Content Standards in Comprehensive Health and Physical Education.
Creates New Jersey Arts Donation Fund and provides for deduction from gross income of donations to fund.
Establishes Gang Land Security Task Force.
Provides for continued health benefits coverage for certain persons covered under small employer health benefits plans in certain circumstances.
Carried from the Senate
Became law7
Withdraws $50 million from the State disability benefits fund; authorizes certain other expenditures from the fund.
Concerns witness fees in workers' compensation cases.
Permits fiduciary to employ and compensate accountants from fiduciary funds and permits certain out-of-State banks to be treated similarly as New Jersey banks. *
Modifies provisions of "The Check Cashers Regulatory Act of 1993."
Allows JRS member to reduce retirement allowance to provide survivor benefit.
Permits human stem cell research in New Jersey.
Clarifies the crime of soliciting or providing material support or resources for terrorism. *
Passed the Senate1
Requires identity check for flight instruction. *
Co-sponsored
Became law · 18
Makes vehicle title fraud a third degree crime.
Prohibits unsolicited telemarketing sales calls to certain customers.
Establishes the Amistad Commission to coordinate educational and other programs on slavery and African-American history.
Limiting liability of dissolved limited liability companies to creditors in certain circumstances.
Appropriates $27,242,400 in federal funds for bioterrorism preparedness.
Increases public members on New Jersey Commission on Holocaust Education.
Allows qualified UEZ municipalilites to include UEZ funding assistance in order to be eligible for "Main Street New Jersey" program.
Establishes corporation business tax credit for certain remediation costs.
Upgrades crime of luring or enticing a child into motor vehicle, structure or isolated area to a crime of the second degree.
Permits property owners to waive requirements for certain land surveying work.
Designates Morristown Memorial Hospital as the State's specialty acute care children's hospital for Morris and Union counties.
Establishes procedures for court and DYFS to determine safety of minor child whose child's caretaker is incarcerated. **
Upgrades penalties for theft of identity and the selling, manufacturing, possessing, or exhibiting of false government documents; allows for civil action for victims of identity theft. *
Establishes a minimum per diem base pay of $100 for members of National Guard called to State active duty.
Establishes right of person engaged in military service for more than 90 days to cancel motor vehicle lease without penalty.
Adjusts local employers' contributions to PERS and PFRS over five years; provides exemption from municipal and county "cap" limitation; creates fund for certain excess assets to enhance PFRS special retirement. *
Makes supplemental appropriation of $11 million from the General Fund to DHSS for PAAD costs during FY2003 and amends certain provisions concerning certain revenues applicable to FY2003.
Establishes Office of the Child Advocate. **
Passed the General Assembly · 15
"New Jersey Medical Care Access and Responsibility and Patients First Act." *
Requires scooter riders under 14 years old to wear helmets.
Requires a dealer to disclose missing or defective emission control equipment in a used motor vehicle under certain circumstances, and exempts certain motor vehicles from regulation.
Requires child support to continue past the age of majority if the child has a mental or physical disability which causes the child to be financially dependent on a parent.
Requires insurers that provide certain prescription drug benefits and State Health Benefits Program to cover costs of contraceptives. *
Modifies application of certain homeowners insurance deductibles in certain urban areas.
Prohibits directed suretyship in connection with public works contracts.
Establishes the New Jersey-Africa Commission.
Creates the "Biometric Identifier Privacy Act."
Prohibits use of social security numbers on deeds and mortgages.
Clarifies procedures for closing active child protective services cases.
Includes certain business practices of cable television companies as violations of "New Jersey Antitrust Act."
Excludes housing and subsistence allowances of National Guard members on State active duty from gross income under the gross income tax.
Requires staff members of residential child care facilities to undergo criminal history record background and child abuse record information checks.
Establishes premium assistance fund and task force concerning medical malpractice liability insurance.
Out of committee · 33
Provides for receipt for voter at primary or general election; allows receipt to be proof of eligibility to vote in subsequent election; provides State reimbursement. *
Creates corporation business tax and gross income tax credits for certain costs of long-term care insurance policies.
Criminalizes deprivation of civil rights, including racial profiling, by public officials. *
Allows PAAD recipients freedom of choice in selecting a pharmacy and prohibits the imposition of a mail order system.
Revises New Jersey's computer crime law to incorporate recent technological changes.
Increases membership and term of office of certain county tax board members.
Concerns workers' compensation for occupational disease claims and workers' compensation benefits rates for surviving dependents.
Requires nursing homes to have defibrillator on site and employee trained to use defibrillator.
Provides for mandatory participation in school breakfast program for certain schools. *
Provides early childhood program aid to certain school districts contiguous to Abbott districts.
Provides increased demonstrably effective program aid to school districts contiguous to Abbott districts.
Revises health wellness insurance benefits.
Requires health insurers to provide coverage for hearing aids for covered children 18 years of age or younger.
Appropriates $1 million from "Garden State Green Acres Preservation Trust Fund" for grant to nonprofit organization "Save Ellis Island!" to restore Ellis Island, NJ.
Limits deductible to not more than $250 and copayment to 20 percent for automobile insurance basic medical expense benefits. *
Requires Port Authority of New York and New Jersey to use transported remains of victims of September 11, 2001 from World Trade Center in a memorial.
Revises school bond law to simplify refunding bonds and permit electronic bid proposals.
Provides unemployment benefits for certain spouses of armed services members. *
Prohibits municipal ordinances and homeowners' association rules from limiting the display of American flag. *
Revises criteria for financing underground storage tank closures, upgrades and remediations.
The "New Jersey Freedom to Fish Act."
Provides PFRS members in federal or State military service who is injured or killed with disability or death benefits.
"Grace's Law;" requires health insurers, State Health Benefits Program and NJ FamilyCare to provide coverage for hearing aids for covered persons 15 and younger. *
Requires the placement of defibrillators at public and independent institutions of higher education.
Modifies certain provisions concerning automobile insurance.
Requires DYFS to provide unified child care agencies evaluating homes of prospective approved home providers with results of child abuse record information checks.
Establishes the Governor's Annual Award for Outstanding Educational Services Professionals.
Prohibits surrender charges for individual deferred annuities under certain circumstances.
Establishes certain requirements regarding replacement of life insurance policies and annuity contracts.
Establishes Joint Committee on Affordable Housing.
Appropriates $51,282,300 from "Garden State Green Acres Preservation Trust Fund," and appropriates or reappropriates certain other moneys, for local government open space acquisition and park development projects in "urban aid," densely or highly populat
Appropriates $400,000 from "Garden State Green Acres Preservation Trust Fund" for grant to Save Ellis Island, Inc. to develop lands for recreation and conservation purposes.
Clarifies various provisions of law establishing the State's "no telemarketing call list."
In committee · 75
Directs UEZA to establish permanent enterprise zones.
Permits a tax deduction under the New Jersey gross income tax for taxpayers who operate or maintain for their employees a licensed child care center or who have paid the cost of outside child care.
Provides a corporation business tax credit for day care center support benefiting children of employees.
Expands and clarifies scope of "Retail Installment Sales Act of 1960."
Requires health benefits coverage for prescription drugs for treatment of epilepsy.
Establishes State Pediatric Epilepsy Resource Program; appropriates $50,000.
Directs Medicaid to establish community spouse resource allowance and income limits at highest levels permitted by federal law; appropriates $9 million in State funds and $9 million in federal funds.
"Job Destruction Penalty Act."
Concerns disqualification from unemployment benefits.
Authorizes payment of unemployment benefits during leave related to birth and adoption.
Concerns reemployment services and training programs.
Expands Medicaid to cover additional disabled children.
Establishes a grant program in the Department of Human Services to provide start-up funding for the creation of after-school programs; appropriates $1,500,000.
Requires health insurers to cover Hepatitis B vaccination costs.
Requires certain health insurers to provide coverage for prescription contraceptives.
Provides for extended terms of imprisonment for certain crimes committed in places of worship and cemeteries.
Requires certain contracts and warranties to be printed in at least 10-point bold type.
Establishes the Commission on After-School Programs in DHS; appropriates $100,000.
Establishes the "Alan M. Augustine Colon Cancer Research Fund," appropriates $100,000.
Adds new causes of action for divorce based on irreconcilable differences.
Establishes collateral requirements for certain deposits in and sets standards for certain investments by the State of New Jersey Cash Management Fund.
The "New Jersey Uniform Common Interest Ownership Act."
Exempts State-chartered credit unions from sales and use tax.
Permits municipality under State supervision to reduce operating costs through employee early retirement and termination incentive program.
Permits aid to State supervised municipalities to eliminate structural deficit.
Permits pharmacists to change prescription dosage forms.
Authorizes Casino Control Commission to permit Atlantic City casinos to offer Internet casino gambling.
Exempts certain motor vehicles from inspections.
"The New Jersey Electronic Voting Machine Act"; requires use of electronic voting machines in elections.
Requires Superintendent of State Police to report directly to Governor.
"Veterans' Property Tax Relief Act of 2000."
Supplemental appropriation of $22.9 million in General and federal Funds to DHSS for supplemental charity care.
Establishes criminal penalties for operating or participating in pyramid promotional schemes.
Permits eviction for good cause of tenants who are creating nuisance; requires court to notify landlord when restraining order has been issued barring tenant from residential rental property.
Permits municipality to enact ordinance to curb gang related loitering and criminal activity.
Clarifies that the term "deadly weapon" includes an animal.
Prohibits sale of gasoline containing MTBE; directs DEP to seek waiver from EPA oxygen requirements for purpose of discontinuing use of MTBE; and establishes Transportation Energy Security Council to monitor good faith compliance effort.
"Home Improvement Contractors' Registration Act."
Makes a supplemental appropriation of $50,000 for an endowment to the Wynona Moore Lipman Ethnic Studies Center to be established at Kean University.
Designates "I'm From New Jersey" as the State song.
Makes supplemental appropriation of $1,000,000 to DMVA for construction of the State World War II Veterans Memorial.
Provides property tax relief to certain totally disabled veterans and provides for municipal reimbursement by State.
Requires health insurers to provide coverage for certain laser vision correction surgeries.
Prohibits searches of motor vehicles by police officers without probable cause.
Prevents use of verbal threshold as a defense in damage claim for noneconomic loss if defendant was convicted of DUI in connection with claim.
Clarifies county responsibility for costs related to county prosecutor.
Increases maximum UCJF claim for personal injury damages from $15,000/$30,000 to $50,000/$100,000.
Increases amount recoverable from certain insurance guaranty funds.
Prohibits premium increases in medical malpractice liability insurance for claims unless they result in settlements, judgments or awards.
Requires medical malpractice insurers to provide certain information to DOBI concerning the medical practitioners they insure.
Limits disclosure of customer information by financial institutions to nonaffiliated third parties.
Provides for attachment of real property relating to terrorism.
Concerns certain claims eligible for coverage under New Jersey Surplus Lines Insurance Guaranty Fund.
Raises monetary threshold for at-fault automobile accidents to $1,000.
Eliminates mandatory license suspension for nonpayment of insurance surcharge; authorizes payment options.
Establishes criminal penalties for recruiting members for a terrorist related organization.
Concerns acquisition of apparel by the State.
Exempts vanpool rentals from domestic security fee imposed under P.L.2002, c.34.
Supplemental appropriation of $10 million to Department of Treasury for the New Jersey Commission on Science and Technology to administer certain programs.
Revises criteria for financing underground storage tank closures, upgrades and remediations.
Establishes disciplinary procedure for school board members when charged with certain crimes.
Reduces the maximum annual partnership information return filing fee to $150,000 for publicly traded partnerships.
Establishes Commission on Juvenile Involvement in Gangs; appropriates $95,000.
Upgrades the penalties for the sale and use of simulated documents and provides a penalty for using simulated documents to obtain a driver's license or another government issued document; increases the penalty for the identity theft and fraudulent use of
Concerns prompt handling of certain water damage claims by insurers.
Provides individual cause of action for unfair practices in the settlement of insurance claims and makes unfair practices subject to consumer fraud law.
"New Jersey Fair Market Drug Pricing Act"; establishes New Jersey Rx Card Program to reduce prescription drug prices.
Prohibits use of remote control technology in rail operations except when operated by certified locomotive engineer.
Allows patrons of State-owned concert and sports facilities to bring bottled water into those facilities.
Permits immediate expungement of court records where the person is acquitted or discharged or where the charges have been dismissed.
Establishes a Business Part in the Superior Court.
Requires motor vehicle manufacturers and dealers to notify consumers of relevant adjustment programs.
Requires Commissioner of Health and Senior Services to study and recommend emergency health powers legislation.
Requires certain dumpsters be marked by reflective tape.
Renames the State Parole Board as the State Parole Commission.
Filed · 2
Allows UEZ municipalities to include certain marketing, advertising and special event activities and other managerial and professional services as projects eligible for UEZ funding assistance.
Requires medical malpractice insurers to provide certain information to DOBI concerning physicians, podiatrists and nurses they insure.