COVID-19 Dept. of Insurance Bulletins

Department of Insurance (DOI) Bulletins

We're monitoring state Departments of Insurance for directives regarding premium payment, cancellations or nonrenewal notice grace periods, and other bulletins or recommendations. While we have provided summary statements regarding information that may be pertinent to insureds and agents, please read the subject bulletins in their entity for a full explanation of the scope of the directives, requests, and limitations outlined by each state. Go back to the COVID-19 Information Center.

This page last updated 4/3/2020

Bulletins Applicable to Property & Casualty Insurance Lines

Alabama

A Bulletin effective 3/30/2020

"Insurers should consider cancellation or non-renewal of policies only after exhausting all efforts to work with policyholders to continue coverage. A policy may be cancelled or non-renewed for legally recognized reasons or policy provisions other than late or failure to pay premiums."

Read the Commissioner of Insurance's Bulletin No. 2020-05

Alaska

A Bulletin 3/18/2020 until 6/1/2020

The Alaska Division of Insurance (DOI) prohibits carriers from terminating insurance contracts due to non-payment. This effort will provide relief to affected policyholders by allowing continuing insurance coverage. In conjunction with this effort, the DOI will work with carriers to minimize the regulatory effects of such an extension, specifically financial review requirements. The extension of the grace period does not eliminate the obligation to pay the premium, but limits policy cancellation for late payment. Carriers are encouraged to work with policyholders in the collection of premiums and to waive all late fees. ...in effect until June 1, 2020.

Read the Director's Bulletin B 20-08

 

Arkansas

A Bulletin effective 3/20/2020 for 60 days

To assist citizens who may struggle to overcome obstacles during this health emergency, the Department is hereby issuing a sixty (60) day moratorium on the cancellation/non-renewal of insurance policies for the non-payment of premiums for Arkansans diagnosed with/positively tested for COVID-19. The moratorium extension is not automatic. To be eligible for the 60-day moratorium, affected policyholders must request this extension from their insurance carriers.

Read the Insurance Commissioner's Bulletin 6-2020

A Bulletin effective 3/27/2020 until 5/15/2020

"To assist agencies and producers affected by these disruptions the Department is temporarily halting converting any individual producer’s license status from active to inactive for failure to submit their producer renewal application or renewal fees..."

Read the Insurance Commissioner's Bulletin No. 11-2020

A Bulletin effective 3/11/2020 until rescinded

"To assist all Arkansas citizens who may struggle to overcome obstacles during this health emergency, the Commissioner is issuing a 60-day moratorium on the cancellation/non-renewal of personal lines insurance policies and directs all insurers and regulated entities that personal lines insurance policies for Arkansas residents in effect on March 11, 2020 remain in effect until such time as Executive Order 20-03 expires."

Read the Insurance Commissioner's Bulletin No. 12-2020

 

California

A Notice 3/18/2020 

In response to the disruption caused by the outbreak, Insurance Commissioner Ricardo Lara is requesting that all insurance companies provide their insureds with at least a 60-day grace period to pay insurance premiums so that insurance policies are not cancelled for nonpayment of premium during this challenging time due to circumstances beyond the control of the insured. This request is directed to all admitted and nonadmitted insurance companies that provide any insurance coverage in California including, life, health, auto, property, casualty, and other types of insurance.

Read the DOI Commissioner's Notice 

A Business Interruption Survey due by 4/9/2020

"Each Insurer receiving this request should, to the extent it is available, provide the following data regarding business interruption related insurance matters to the California Department of Insurance by April 9, 2020. An accompanying Excel Workbook will be sent in a separate, subsequent communication with submission instructions. Questions should be directed to Submissions2@insurance.ca.gov. Affiliated companies with the same commercial product offerings across all companies may submit one Excel workbook."

Read the Insurance Commissioner's BIS-2020

A Statement 3/27/2020

"...it’s critical that the insurance industry engages with our Department and state’s businesses on creative solutions to help them survive the extraordinary challenge we face together as Californians..."

Read the Insurance Commissioner's Statement

 

Colorado

A Bulletin 3/27/2020

"The Division directs all insurance companies issuing coverage to personal and commercial policyholders to make reasonable accommodations to prevent individuals and businesses from losing coverage due to cancellation for the non-payment of premium during this unprecedented time."

Read the Dept. of Regulatory Agencies' Bulletin B-5.38

 

Connecticut

An Order 3/20/2020 

The Governor announced suspension of non-critical court operations and associated requirements, including location and venue requirements, time requirements, statues of limitation or other limitations or deadlines related to process, court proceedings or court filings, and all time requirements or deadlines related to the Supreme, Appellate and Superior courts.

Read the Governor's Executive Order

A Bulletin 3/24/2020

The request is directed to all admitted and non-admitted insurance companies that provide any insurance coverage in Connecticut including, life, health, auto, property, casualty and other types of insurance. In response to the disruption caused by the outbreak, the Connecticut Insurance Department is requesting that all insurance companies provide their insureds with at least a 60-day grace period to pay insurance premiums so that insurance policies are not cancelled for nonpayment of premium during this challenging time due to circumstances beyond the control of the insured. This requested grace period is intended to be applied to premiums due after the initial premium has been made to secure coverage.

Read Bulletin IC-40 

 

Delaware

A bulletin 3/20/2020

"In that respect, the Commissioner hereby requests that all admitted and non-admitted carriers doing business in Delaware suspend cancellations and nonrenewals due to nonpayment of premium during the pendency of the Governor’s declared State of Emergency. This request applies to all lines of insurance."

Read the Bulletin 116 

A Bulletin effective 3/26/2020 until rescinded

"The Sixth Modification now prohibits, without a court order, the suspension, cancellations and nonrenewals due to nonpayment of premium during the pendency of the Governor's declared State of emergency as follows..." 

“… Policyholders are encouraged to contact their carriers to discuss their options if they are suffering a hardship as a result of a COVID-19 related restriction. Additionally, all producer licensees are advised to take all necessary actions to ensure their ability to promptly service claims and provide other essential services to insureds affected by the COVID-19 crisis.”

This Bulletin also addresses the issues of Telehealth/Telemedicine and Waiver of Preauthorizations.

Read the Insurance Commissioner's Bulletin Domestic and Foreign Insurers No. 116/Producers and Adjusters Bulletin No. 32 

 

Florida

A Memorandum 3/25/2020

"…regulated entities are encouraged, when prudently possible, to be flexible with premium payments in order to avoid a lapse in coverage. Regulated entities are encouraged to only consider cancellation of policies if all possible efforts to work with consumers to continue coverage have been exhausted."

Read Memorandum OIR-20-04M

 

Georgia

A Directive 3/20/2020

The Commissioner directs all Property and Casualty Insurers to refrain from canceling any commercial policies, including business interruption or business income coverage, for the cause of non-payment for the next 60 days.

Read the Directive 20-EX-5

"...independent agents performing utilization review under contract with such issuers (Accident and health insurance and health benefit plans), and licensed independent adjusters that certain utilization review and notification requirements should be suspended for 60 days from the date of this letter, subject to further evaluation as the COVID-19 situation develops."

Read the Insurance Fire Safety Commissioner's Directive 20-EX-7

 

Hawaii

A Memo 3/27/2020 effective until 60 days after this emergency

"The Insurance Commissioner encourages insurers to work with their insureds to ensure coverage continues during this time, policies do not lapse, and to consider the following:

1. Refrain from cancelling or non-renewing policies due to non-payment during this time of hardship and to grant a grace period for premium payments to be made;

2. Work with insureds on a structured payment plan for late premium payments;

3. Waive late fees and penalties;

4. Extend timeframes to complete property and automobile inspections or undergo medical examinations; and

5. Continue working with insureds for a period of 60 days after this health emergency has passed, or as long as reasonably practical...."

Read the Insurance Commissioner's Memorandum 2020-31

 

Illinois

A Bulletin 3/31/2020 effective until disaster ends or guidance is modified

"We are working to process and respond to filings, applications, and consumer inquiries as quickly as possible, but understand that the response time may be extended, particularly for anything sent via U.S. mail. As a result, if you must file documents or send any communications to the Department, please submit information electronically, whenever possible." 

Read the Director of IL Insurance's Bulletin No. 2020-06

A Memorandum 4/2/2020

"To continue to service companies during the COVID-19 Gubernatorial Disaster Proclamation with as little interruption as possible, while maintaining the health of our state employees, the Department has pushed up its initiative to accept the aforementioned applications electronically through SERFF. Access to SERFF offers the ability to upload all documents in PDF format, as well as, submit through electronic fund transfer all fees associated with entity registration or renewal on a secure web-based platform."

Read the DOI Director's Memorandum 2020-07

 

Indiana

A Bulletin effective 3/19/2020 until 5/18/2020

"The IDOI requests all insurance companies and HMOs in Indiana to institute a moratorium on policy cancellations and non-renewals of any insurance policy in effect for a policyholder in Indiana to allow a grace period for any policyholder in Indiana for a period of 60-days for any premium payment due March 19, 2020 to May 18, 2020."

Read the Insurance Commissioner's Bulletin 252

A Collection of Guidances/Actions 

"All licenses issued by the State which are set to expire in the next 60 days will instead expire on May 22nd. This means that any currently active license will remain active until at least May 22nd. Please note the below temporary PCF submission instructions in effect for the duration of the public health emergency caused by COVID-19 declared on March 6, 2020"

Read the Extension of Licenses Guidance

 

Kentucky

A Bulletin 3/26/2020 

"All insurers, agents, or other persons licensed by the Kentucky Department of Insurance (“the Department”) are required to report any and all suspected fraudulent insurance acts directly to the Department pursuant to Kentucky Revised Statute..."

Read the Insurance Commissioner's Bulletin 2020-01

An Advisory Opinion 4/2/2020

"The Kentucky Department of Insurance will allow rate reduction, loss control, and loss mitigating value-added products and sevices that prevent or mitigate risk at no or reduced cost to policyholders to the extent allowable." 

Read the Commissioner's Advisory Opinion 2020-03

 

Louisiana

An Emergency Rule/Proclamation effective 3/26/2020 until 4/13/2020

"...reducing their insurance premiums, and accounting for volatility in projections in a time of crisis, it is necessary to grant the Commissioner of Insurance authority to suspend provisions..."

Read the Governor's Proclamation No. 37 JBE 2020

An Emergency Rule effective 3/25/2020 until 5/15/2020

"Specifically, the stay at home orders inhibit the ability to sit for an insurance examination and submit fingerprints in association with insurance producer license applications..."

Read the Insurance Commissioner's Emergency Rule 38

 

Maryland

A Bulletin 3/20/2020

"In light of these difficult circumstances, I encourage all Life & Health Carriers and Property and Casualty Insurers doing business in the State to make reasonable accommodations so that individuals and businesses do not lose coverage due to non-payment of premium during this emergency. Reasonable accommodations may include suspension of premiums due, extension of billing due dates and premium grace periods, and waiver of installment and late payment fees."

Read the Bulletin No. 20-10

A Bulletin 3/23/2020

The Maryland Insurance Administration encourages all Property & Casualty insurers to consider making rate filings that provide temporary relief to insureds during this emergency. Filings may take the form of a premium discount for specific perils or coverages, or any other appropriate reduction in premium commensurate with reduced loss exposure. The Maryland Insurance Administration will waive filing fees for rate relief filings and provide expedited review. 

Read the Bulletin No. 20-12

A Bulletin 3/25/2020

“The advance notice mailing requirement under §§ 27-613 and 27-614 that a PPA notice of cancellation (other than for non-payment1 [see footnote 1 in Bulletin]), non-renewal, or premium increase be mailed 45 days in advance of the proposed action is hereby suspended for the duration of the state of emergency.”

Read Bulletin No. 20-13

A Bulletin in effect with Order 20-03-30-04

"This executive order authorized remote notarizations during the state of emergency and also provided guidelines for remotely notarizing documents during this time. Please be advised that during the state of emergency, it is permissible for licensed title insurance producers to conduct remote settlements so long as the settlement agent follows the guidelines as they are outlined in the governor’s order."

Read the Commissioner's Bulletin No. 20-16

A Bulletin 4/3/2020

"All Property & Casualty Insurance Companies and Producers, All Public Adjusters 1) Claim Reporting / First Notice of Loss 2) Sworn Statements in Proof of Loss Additional Living Expenses / Loss of Use / Rental Reimbursement / Non-COVID-19 Business Interruption claims 4)  Examinations Under Oath (“EUO”) 5) Replacement Cost (“RC”) payments / § 19-213 of the Insurance Article"

Read the Insurance Administration Bulletin 20-17 to Property & Casualty Companies, Producers, and Public Adjusters

 

Massachusetts

A Bulletin

"All carriers are advised to provide employers and individuals with as much flexibility as is reasonably possible during the period of the COVID-19 public health crisis to maintain their existing coverage despite policyholders' growing concerns about being able to send their premiums in on time. Carriers should explore all possible ways to relax due dates for premiums payments and consider cancellation or non-renewal of policies only after exhausting other efforts to work with policyholders to continue coverage."

Read the Bulletin 2020-05

A Bulletin 3/27/2020

"...we ask that all Medical Malpractice Carriers review their existing coverage and/or coverage forms to ensure that such coverage provides flexibility where needed and/or to file or add endorsements to their existing policies to ensure that existing coverage will apply to health care professionals who are acting within the scope of their professional license when they respond to the COVID-19 public health crisis, whether within Massachusetts or in another state..."

Read the Insurance Commissioner's Bulletin 2020-08

 

Mississippi

A Bulletin amended

"Questions and answers regarding Bulletin 2020-3, as amended..."

Read the Q&A regarding Bulletin 2020-3

A Bulletin 4/1/2020

"Mississippi insurance producers, adjusters and bail bondsmen whose CE compliance periods end in March, April, May, or June 2020, should timely contact the MID requesting an extension for completing CE requirements in order to meet license requirement for renewals. This includes Mississippi nonresident adjuster with Mississippi as the Designated Home State. The MID will work with these licensees to ensure that they are given an appropriate opportunity to meet their CE requirements."

Read the Commissioner of Insurance's Bulletin 2020-05

 

Missouri

A Bulletin 3/21/2020

"Coverage for residents of the State of Missouri should continue under all insurance policies in effect as of March 13, 2020, and shall remain in effect until such time as Executive Order 20-04 is terminated or this bulletin is rescinded, whichever is later. Insurers are strongly encouraged not to cancel, nonrenew, or terminate coverage while this Bulletin is in effect. This grace period is a period of time during which consumers can take those actions necessary to keep their policies in force. The Department is not requiring insurers to waive any premiums or other consideration owed on any policy or contract during this period of time. The Department anticipates that a failure to pay premiums or remit consideration may subject the policy to a retroactive cancellation, in accordance with the policy terms."

Read the Bulletin No. 20-05

 

Montana

A Letter 3/26/2020 

  • "Flexible payment solutions for families, individuals, and businesses; providing additional time to make payments; allowing grace periods to delay premium payments
  • Suspending premium billing for small businesses such as restaurants, bars, and others that have been shut down or had their operations severely reduced, for a specific number of days or billing cycles
  • Waiving insurance premium late fees and other fees for families, individuals, and businesses
  • Pausing cancellation of coverage for motorists due to temporary non-payment and policy expiration
  • Expediting/expanding automobile coverage to allow personal vehicles to be covered while delivering food, medicine, or other essential provisions for commercial purposes
  • Streamline administrative processes and paperwork to ease consumer burdens and facilitate continuous coverage"

Read the Commissioner's of Securities & Insurance letter

 

Nebraska

A Notice 3/27/2020

"If an insurer administers accommodations on a consistent and fair basis, the Nebraska Department of Insurance does not consider them to be violations of the Nebraska Unfair Trade Practices Act, the Nebraska Unfair Claims Settlement Practices Act nor associated regulations. 

Amendatory filings and prior approvals for accommodation practices will not be required by the Department at this time, however, an informational email to the appropriate department division is requested." 

Read the Director of Insurance's Notice to Insurers

A Notice 3/31/2020

"Effective today, the Nebraska Department of Insurance will begin issuing temporary resident producer licenses. Applications and the supplemental form must be completed in paper format and mailed to the Department along with the appropriate fee..."

Read the Director of Insurance's Notice to Producers

 

Nevada

A Statement 3/30/2020

"The Nevada Division of Insurance (“Division”) encourages all Property & Casualty (“P&C”) carriers to consider the following relief for those Nevadans affected by the COVID-19 outbreak. The focus of all of the actions below should be on the industry’s consumer service obligations. 

  • Providing an extended grace period before cancellation of coverage.
  • Providing flexibility with due dates for premiums.
  • Waiving late fees and penalties.
  • Payment plans for premiums to avoid a lapse in coverage.
  • Only cancel or non-renew if all other efforts are exhausted..."

Read the DOI Statement

 

New Hampshire

A Bulletin effective 4/1/2020 until 5/31/2020

"The New Hampshire Insurance Department will accept electronic filing of the April 1st filings via email. The date of the receipt will be the date of the electronic filing for statutory compliance. Please follow-up with the hardcopy filing when normal business resumes."

Read the Commissioner's Bulletin No. 20-022-AB

A Bulletin 3/30/2020

"To assist in the difficulties caused by COVID-19 related disruptions, the Department is extending the deadline for March 31, 2020 and April 30, 2020 RSA 402-J license renewals by a period of two months."

Read the Commissioner's Bulletin No. 20-023-AB

 

New Jersey

A Bulletin 3/20/2020

Consistent with prudent insurance practices, the Department encourages the following: relaxing due dates for premium payments and insurance policy based loan payments, extending grace periods, waiving late fees and penalties, allowing forbearance with regard to the cancellation/non-renewal of policies, allowing payment plans for premium payments...and exercising judicious efforts to assist affected policyholders and work with them to make sure that their insurance policies do not lapse

Read the Bulletin 20-04

 

New Mexico

A Bulletin 3/20/2020

"In response to the disruption caused by the outbreak, I am requesting that all insurance companies refrain from cancelling or non-renewing policies of businesses and individuals negatively impacted by the disruption due to the non-payment of premiums during this public health emergency, or at a minimum, provide extended grace periods for payment of premiums. We encourage implementing these practices as soon as possible and consider extending them for a minimum of ty (30) days after the emergency is declared over."

Read the Bulletin 2020-006

 

New York

An Executive Order 3/30/2020

"Section 1116 and Articles 34, 53, 54, and 55 of the Insurance Law and Sections 54 and 226 of the Workers’ Compensation Law are modified to impose a moratorium on an insurer cancelling, non-renewing, or conditionally renewing any insurance policy issued to an individual or small business, or, in the case of a group insurance policy, insuring certificate holders that are individuals or small businesses, for a period of 60 days, for any policyholder, or in the case of a group insurance policy, group policyholder or certificate holder, facing financial hardship as a result of the COVID-19 pandemic. The foregoing relief shall also apply to the kinds of insurance set forth in paragraphs (16), (17), (20), (21), (24), (26), and (30) of Section 1113(a) of the Insurance Law. For purposes of this Executive Order, a small business shall mean any business that is resident in this State, is independently owned and operated, and employs one hundred or fewer individuals..."

Read Executive Order No. 202.13

A Circular 3/19/2020 

"In response to this crisis, DFS is issuing guidance to urge all regulated entities during this outbreak to do their part to alleviate the adverse impact caused by COVID-19 on those consumers and small businesses that can demonstrate financial hardship caused by COVID-19, including taking reasonable and prudent actions to support affected New Yorkers by:

  • Offering payment accommodations, such as allowing consumers to defer payments at no cost, extending payment due dates, or waiving late or reinstatement fees, where consumers are unable to make timely payments of premium or fees due to COVID-19-related disruptions;
  • Working with consumers to avoid cancellation of insurance policies for (a) failure to pay premiums on time, (b) discovery of acts or omissions that may have increased the hazard insured against, or (c) physical changes in the property insured subsequent to issuance or last renewal that result in the property no longer meeting the insurer’s underwriting standards;
  • Working with consumers to avoid non-renewal of insurance policies where a consumer fails to timely respond to a non-renewal notice..."

Read the Insurance Circular No. 7 (2020)

A Circular Letter 3/25/2020

"As a temporary accommodation, DFS will suspend the expiration of licenses for all individual producers for the next 60 days and waive any late fees resulting from, and accruing during, this suspension period. At the end of this 60-day period…."

Read the Circular Letter

 

North Carolina

A Bulletin 3/27/2020

"...provides the specifics pertaining to extensions, deferrals, and other extra requirements applicable to the entities as referenced therein. Such entities are required to provide their customers adversely affected in the disaster area specific relief of the insureds’ payment, submission of claims and other responsibilities. You are encouraged to review the statutory requirements for proper implementation. 

All entities that are subject to North Carolina’s External Review Law, NCGS 58-50 Part 4, shall allow consumers, whose requests may have been impacted by the disaster, additional time for their requests to be received and reviewed. Additionally, for cases that have been accepted and additional information is being submitted, the timeframes for receiving this information will also be extended." 

Read the Insurance Commissioner's Bulletin No. 20-B-06

 

Ohio

A Bulletin effective 3/30/2020 until expiration of the state of emergency

"This bulletin pertains to all insurers (“Insurers”) providing property and casualty, life, and long term care insurance policies (“policies”) in the State of Ohio. The purpose of this bulletin is to notify Insurers that they must provide their insureds with at least a 60-day grace period to pay insurance premiums or submit information."

Read the DOI Director's Bulletin 2020-07

 

Oklahoma

A Bulletin 3/20/2020

"Property and casualty carriers should extend their applicable grace period for nonpayment of premium by an additional forty-five (45) days. This grace period extension does not relieve an insured of the obligation to pay premiums but merely is a deferral of the payment due date. The provisions of this bulletin are in effect until the state emergency is no longer in place.."

Read the Insurance Department PC Bulletin No. 2020-01

 

Pennsylvania

A Notice 3/20/2020

"Insurers should consider the following actions: consistent with prudent insurance practices, relaxing due dates for premium payments, extending grace periods, waiving late fees and penalties, and allowing payment plans for premium payments to otherwise avoid a lapse in coverage. Insurers should consider cancellation or non-renewal of policies only after exhausting other efforts to work with policyholders to continue coverage."

Read the Commissioner Notice

 

Rhode Island

A Bulletin 3/25/2020

“Provide as much flexibility as possible to allow insureds to maintain their existing coverage by implementing and extending grace periods for premium payments, allowing payment plans for premium payments and instituting whatever other measures necessary to assist insureds in avoiding or delaying cancellation or a lapse of insurance coverage.” 

Read the Bulletin 2020-4

 

South Carolina

A Bulletin 3/25/2020

"This relief may include, but is not limited to, the following: extension of premium payment deadlines,; additional time before non-renewals or cancellations become effective; extension of proof of loss deadlines; .…"

Read Bulletin No. 2020-02

A Bulletin 4/2/2020

"This bulletin advises all insurers, producers, surplus lines brokers, bail bondsmen, and other licensed or authorized individuals and entities of the actions taken by this Department to process licenses, address issues related to services provided by third-party vendors, and extend compliance deadlines.

Read the DOI Bulletin 2020-03 to Insurers, Producers, Surplus Lines Brokers, Bail Bondsmen, and Other Licensed Individuals

 

Tennessee

A Bulletin 3/24/2020

"Carriers should explain existing applicable grace periods that may allow policyholders to delay premium payments without losing coverage. Additionally, carriers should explore ways to eliminate late fees, non-sufficient funds fees, and installment fees."

Read the Bulletin 20-03

 

Texas

A Bulletin 3/23/2020

"Taken together, the Governor’s suspension and the Commissioner’s declaration have the effect of extending claim-handling deadlines imposed by the state’s prompt payment laws for an additional 15 days to help carriers respond to the COVID-19 outbreak. TDI expects all carriers to work with policyholders who may experience financial hardships due to the COVID-19 outbreak. TDI encourages carriers to use grace periods for payments, temporary suspension of premium payments, payment plans, and other actions to allow continuing insurance coverage as appropriate. TDI will work with carriers to minimize the regulatory effects of an insurer’s actions to provide policyholder relief, specifically for financial review requirements. The term “suspension” is not intended to mean the forgiveness of the premium.

Automatic bank drafts for premium payments may continue according to a carrier’s written agreement with a policyholder, unless a policyholder notifies a carrier of a specific hardship. This should be weighed against the potential disruption to a carrier’s business model or the inconvenience caused to the policyholder by multiple payments. It is TDI’s expectation that carriers will work directly with policyholders to resolve issues and minimize the effects of any penalties or additional charges."

Read the Bulletin B-0007-20

A Bulletin 3/25/2020

The Texas Department of Insurance posted a bulletin for financial filing requirements and fees and flexibility for electronic submissions, signatures, fingerprints, and more. TDI has posted a modified filings chart that will be updated as needed.

Read the Bulletin B-0009-20

A Bulletin 3/27/2020

"...authorize tolling of the submission deadline when a provider cannot meet the deadline due to a catastrophic event, such as the COVID-19 pandemic.

Providers that cannot meet the claim submission deadline due to the COVID-19 pandemic must notify TDI at MCQA@TDI.texas.gov..."

Read the Insurance Commissioner's Bulletin B-0015-20 to Insurers

 

Utah 

A Bulletin 4/2/2020 to all property and casualty insurers, brokers, and agents

"Today's slowed business climate provides insurers with opportunities to serve their policyholders in unique ways. Where premium is based on payroll, sales, or other projections that don't reflect actual performance, insurers are encouraged to adjust premiums when possible. Where premium is based on operations that have ceased, the same opportunity is available. Where businesses have adapted their operations to meet the new coronavirus reality, curbside pick-up and product delivery being examples, insurers should consider offering additional coverage options in an effort to support those new operations. Insurers are encouraged to pursue these opportunities where available."

Read the DOI Commissioner's Bulletin 2020-04

 

Washington

An Order 3/25/2020

“Between March 25, 2020, and May 9, 2020, all Regulated Entities transacting any property and casualty insurance business shall provide grace periods for nonpayment of premium and shall waive otherwise applicable charges and fees associated with nonpayment of premium, such as late fees and reinstatement fees… Between March 25, 2020, and May 9, 2020, no property and casualty insurer shall cancel a policy issued for nonpayment of premium, unless specifically directed to do so by the insured.”

Read Emergency Order No. 20-03

A Notice 3/25/2020 

"When you are contacted by an insured regarding a claim under their policy, I fully expect that you will follow the minimum standard of claims handling regulations found in WAC 284-30-330 through WAC 284-30-380."

Read the Insurance Commissioner's Notice

 

West Virginia

An Order 3/18/2020

Insurers and other regulated entities must not issue a cancellation notice or nonrenewal notice pertaining to any insurance policy, plan or contract if the reason for cancellation or nonrenewal is a result of circumstances stemming from the COVID-19 pandemic and the corresponding State of Emergency, Executive Order 2-20, any subsequent executive orders or other governmental actions. Insurers and other regulated entities should be flexible with respect to allowing alternative payment arrangements for the satisfaction of premiums that are due or that which may become delinquent as a result of the emergency. However, nothing herein shall be construed to exempt or excuse an insured from the obligation to pay the premiums otherwise due for insurance coverage or benefit actually provided or received.

Read the Insurance Commissioner's Emergency Order

A Bulletin 3/26/2020

"...the OIC instructs that insurers can, and should, require validation that the adverse circumstances of the insured or policyholder are directly related to the COVID-19 pandemic and the State of Emergency, or any subsequent Executive Orders issued by the Governor which closed businesses or ordered residents to remain at home unless performing an essential activity, by obtaining evidence in writing, or otherwise, from an employer, policyholder, insured or other appropriate source before foregoing a cancellation or nonrenewal..."

Read the Insurance Commissioner's Bulletin No. 20-07

 

Wisconsin

A Bulletin 3/20/2020

Insurers are encouraged to offer flexibility to insureds who are incurring economic hardship.  This flexibility can include offering non-cancellation periods, deferred premium payments, premium holidays and acceleration or waiver of underwriting requirements.  OCI will not view any accommodations made to insureds incurring economic hardship during the COVID-19 public health emergency as violating insurance laws such as unfair inducement prohibitions. Accommodations should not be applied in an unfairly discriminatory manner. 

Read the OCI Bulletin

A Bulletin 3/31/2020

"OCI asks that medical malpractice insurers recognize that services that have typically been offered in-person will now be provided via telemedicine during the COVID-19 pandemic. Also, healthcare providers that have not engaged in telemedicine in the past may move their practice to telemedicine during the pandemic. Medical malpractice insurers should also be aware that providers are being asked to take on new patients to free other providers to treat those with COVID-19."

Read the OCI Bulletin

 

Washington

An Order 3/25/2020

“Between March 25, 2020, and May 9, 2020, all Regulated Entities transacting any property and casualty insurance business shall provide grace periods for nonpayment of premium and shall waive otherwise applicable charges and fees associated with nonpayment of premium, such as late fees and reinstatement fees… Between March 25, 2020, and May 9, 2020, no property and casualty insurer shall cancel a policy issued for nonpayment of premium, unless specifically directed to do so by the insured.”

Read Emergency Order No. 20-03

State DOI Bulletin Pages 

These links go to bulletin or COVID-19 information pages from state DOIs. Italics means they have issued at least one COVID-19 bulletin applicable to medical professional liability insurance carriers and those bulletins are posted on this page.

We are additionally monitoring information from the National Association of Insurance Commissioners' Coronavirus Resource Center

Last updated 4/3/20.