N.Y. Insurance Law § 3114 – Hate crimes; coverage refusal

(a) For purposes of this section, "insured" means a current policyholder or a person or entity that is covered under an insurance policy.
(b) This section shall apply to policies of insurance if the insured or proposed insured is:
1. an individual;
2. a religious organization;
3. an educational organization; or
4. any other nonprofit organization that is organized and operated for religious, charitable or educational purposes.
(c) An insurer issuing policies subject to this section shall not cancel, refuse to issue, refuse to renew, or increase the premium of a policy solely on the basis that one or more claims have been made against any policy during the preceding sixty months for a loss that is the result of a hate crime as defined pursuant to article four hundred eighty-five of the penal law committed against the person or property insured if the insured provides evidence to the insurer that the act causing such loss is a result of a hate crime and that such insured was not the offender of the hate crime.
(d) An insurer may cancel, refuse to renew, increase the premium of, or change the terms or benefits of an insurance policy due to other factors that are not prohibited by this section.