Insurers Must Return Full Unearned Premium on Cancellations, With Limited Retention for Unrecoverable Expenses
TX| The Texas Department of Insurance announces Rule Amendments to 28 TAC §5.7015 require personal auto and residential property insurers to refund the full unearned premium on a strictly pro rata basis when a policy or endorsement is cancelled, effectively prohibiting the use of short rate provisions or any retention of unearned premium amounts. Unearned […]
California Issues One-Year Moratorium on Homeowners’ Nonrenewals in Gifford Fire Zones
CA| Bulletin #1515 from the Surplus Line Association of California reports that Insurance Commissioner Ricardo Lara, through Bulletin 2026-1, has imposed a one-year mandatory moratorium on homeowners’ insurance nonrenewals and cancellations due to wildfire risk in areas affected by the Gifford Fire, applicable to both admitted and nonadmitted residential property insurers. The moratorium is retroactive […]
New ELANY Bulletin 2026-04: Key Deadlines for 2025 NY Excess Line Premium Tax Filings
NY| Bulletin 2026-04 from ELANY reminds all licensed New York excess line brokers that a 2025 Premium Tax Statement must be filed electronically via the DFS Portal by March 16, 2026, with no exceptions, including for brokers with no business, who must submit a zero return using the DFS system already available for that purpose. […]
American Samoa Official Notice: Deadline Set for Refunds and Claims Tied to Insolvent Pacific Insurance Companies
AS| The January 9, 2026 Notice from the American Samoa Office of the Insurance Commissioner announces that Progressive PPG Ltd., Oxford Pacific Ins. Management, and Insurance Company of the Pacific have become insolvent and ceased operations, and it establishes an emergency and final claims process for affected policyholders. It applies to all active policies and […]
Colorado Updates Early Intervention Annual Maximum Benefit to $9,924 for 2026
CO| Colorado Bulletin B-4.31 informs carriers of the updated annual maximum benefit for early intervention services under Colorado law for grandfathered individual health benefit plans and all other applicable individual and group sickness and accident policies with dependent coverage. The bulletin clarifies that it applies to all licensed carriers, including HMOs, issuing such coverage in […]
Hawaii Extends P&C Rate Filing Effective Date to April 1, 2026 Under Updated v1.1 Guidelines
HI| Hawaii’s Insurance Commissioner announces further refinements to the revised Property & Casualty rate, rule, and form filing requirements (now titled “Hawaii General Requirements and Filing Instructions v1.1”), clarifying the use of various RF forms, narrowing certain requirements to personal lines/COMFAL/dwelling products, and updating expectations for rate impact and loss cost analyses, with an extended […]
California Issues One-Year Ban on Wildfire-Related Non-Renewals in Gifford Fire Areas
CA| Bulletin 2026-01 from California Insurance Commissioner Ricardo Lara imposes a one-year mandatory moratorium, beginning December 23, 2025, on cancellations and non-renewals due to wildfire risk for residential property insurance policies (homeowners, condo unit owners, mobile homeowners, and renters) in specified ZIP Codes in San Luis Obispo and Santa Barbara counties impacted by the Gifford […]
Illinois Issues New Guidance: Insurers Must Stop Automatically Naming Public Adjusters as Co‑Payees on Claim Checks
IL| The Illinois Department of Insurance’s Company Bulletin 2026-01 advises that many insurers are improperly naming Illinois public adjusters as co‑payees on claim checks or mailing checks directly to public adjusters when the public adjuster contract does not authorize this, which infringes on consumer rights under the current Illinois Public Adjusters Law (Article XLV). The […]
Texas Order Greenlights New TAIPA Plan of Operation Amendments to Streamline Auto Insurance Access
TX| The Texas Insurance Commissioner issues Order No. 2026-9722 approving amendments to the Texas Automobile Insurance Plan Association (TAIPA) Plan of Operation, including updated Personal and Commercial Automobile Parts and Administrative Provisions, with TAIPA’s redline and final clean Plan attached, following a 2025 petition, public notice, and a comment period with no comments, and making […]
Vermont Clarifies Health Coverage Rights for Part-Time Employees Working 17.5+ Hours
VT| The revised Vermont DFR Insurance Bulletin #196 clarifies that under 8 V.S.A. §§ 4042(a)(4), 4514a, and 4594, insurers, nonprofit hospital service corporations, and nonprofit medical service corporations must offer employers the option to include part-time employees working 17.5 hours or more in their group health plans, but the employer retains discretion whether to actually […]