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https://decatur-law.com/wordpress/wp-content/uploads/2015/08/Electronic-delivery-of-policy.pdf
the insurance policy is to be sent or other method of electronic delivery to be used and the format in which the policy will be sent, which e-mail address or other method of electronic delivery and format are acknowledged to be accessible by the insured.
https://www.independentagent.com/ACT/Pages/efficient/Paperless/Electronic-policy-delivery-Best-Practices.aspx
Electronic delivery of policies is not intended to shift an additional burden onto either the agency or the carrier, but rather to make the process more efficient and to create a better customer experience that is similar to what consumers are getting from other financial organizations.
https://www.travelers.com/about-travelers/edelivery/index
By enrolling a Policy or Policies in the program, you agree to receive Policy Documents related to those Policy(ies) by Electronic Delivery. Only one Named Insured's consent is required to enroll a Policy or Billing Account in the Program, regardless of the number of Named Insureds on the Policy …
https://www.dfs.ny.gov/insurance/ogco2009/rg090804.htm
V. Electronic delivery of the insurance policy by the insurance producer to the insured Finally, the inquirer questions whether an insurance policy that is issued electronically by the insurer to the insurance producer may be electronically transmitted by the producer, to the insured.
https://www.iiag.org/Information/SiteAssets/Pages/FAQ/Electronic%20Deliver%20of%20Insurance%20Policies/Default/eDelivery%20consent%20form%20-%20Memo%20and%20Template.pdf
Generally speaking, the eSIGN Act and related state laws permit the electronic delivery of documents that must be provided to consumers in writing, including certain policies, notices, and endorsements, when the agency provides the required disclosures and the consumer consents to the electronic delivery.
https://dfs.ny.gov/insurance/ogco2009/rg090101.htm
The electronic version of an insurance policy must be a verbatim copy of the original hard copy document that the insurer files with the Department, and the electronic version of an insurance policy must conform to all other applicable statutory requirements. See OGC Opinion dated February 10, 2000...
http://www.iiag.org/Information/SiteAssets/Pages/FAQ/Electronic%20Deliver%20of%20Insurance%20Policies/Default/CONSENT%20TO%20ELECTRONIC%20DELIVERY%20OF%20INSURANCE%20POLICY-commercial%20lines.docx
CONSENT TO ELECTRONIC DELIVERY OF INSURANCE POLICY (COMMERCIAL LINES POLICY) The undersigned hereby consents to the delivery by _____ (“Agency”) of any insurance policy and endorsements or other changes to it that may be obtained by the undersigned through Agency, such delivery to occur by means of electronic mail sent to the following address: _____.
http://www.forc.org/Public/Journals/2010/Articles/Fall/Vol21Ed3Article5.aspx
In general terms, it appears an insurer may deliver insurance policies by electronic means under section 627.421, Fla. Stat.; however, insurance companies and agents should implement procedures that will ensure proper, verifiable delivery of the policy under applicable law and adherence to data security and privacy concerns related to this method of delivery.
https://www.lockelord.com/~/media/Files/NewsandEvents/Publications/2012/01/ACORD%20ESIGNWHITE%20PAPER2012%20highlighted.pdf
Requirements for an Electronic Signature and electronic delivery process are privacy laws and data security laws. These laws require that the electronic transaction processes (taking applications, delivery of the insurance policy package, policyholder services transactions and other transactions involving sensitive information)
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