New Clarification from Alabama Department of Insurance: Foreign RRG Registrations Proceed Despite Moratorium
AL| The Alabama Department of Insurance has issued a clarification stating that its recent moratorium on licensing or registration of new captive insurers and risk retention groups, as outlined in Bulletin 2025-01 and Bulletin 2025-05, does not apply to foreign (non-Alabama) risk retention groups. These out-of-state applications will continue to be processed per standard procedures, […]
Revised Delaware Bulletin: Insurance Carriers Now Required to Prevent Coverage Loss for Impacted Federal Employees
DE| The Delaware Department of Insurance has issued a REVISED Bulletin No. 160, that clarifies that insurers doing business in Delaware must provide mandated, not optional, protections to federal employees and contractors impacted by the ongoing government shutdown. These requirements include premium payment grace periods, a moratorium on cancellations and nonrenewals, flexible documentation, and a […]
Delaware Insurance Department Cracks Down on Unfair Medicare Insurance Practices; New Bulletin Prohibits Restricting Access and Manipulating Compensation
DE| The Delaware Department of Insurance Bulletin (DE DF No. 162 and Producer & Adjuster Bulletin No. 39, dated October 31, 2025) addressing unfair trade practices related to the marketing of Medicare Advantage and Medicare Supplement insurance products to Delaware residents eligible for Medicare. The bulletin clarifies the Department’s position on actions such as restricting […]
Colorado Division of Insurance Calls on Insurers to Expedite Claims and Protect Policyholders Impacted by 2025 Southwestern Floods
CO| The Colorado Division of Insurance Bulletin B-5.55, issued on October 31, 2025, outlines insurer expectations following the severe floods in Southwestern Colorado, particularly around Pagosa Springs and neighboring counties. The bulletin urges insurers offering motor vehicle, renters, homeowner, and commercial property insurance to expedite applicable claims, avoid canceling or not renewing policies due to […]
Alaska Division of Insurance Enacts Moratorium on Policy Cancellations in Storm-Affected West Coast Communities
AK| Bulletin B25-08, outlines emergency regulatory actions taken by the Alaska Division of Insurance in response to the October 2025 storms impacting the west coast of Alaska. The bulletin directs insurers to suspend policy cancellations and nonrenewals in affected areas, ensuring consumers are not penalized for late premium payments during the disaster period, and encourages […]
Mississippi Insurance Department Sets 45-Day Advance Notice Mandate for Property & Casualty Policy Changes—Effective July 2026
MS| The Mississippi Insurance Department issued Bulletin 2025-5 to guide property and casualty insurers on new 45-day advance notice requirements for certain policy actions under House Bill 1611, effective for policies issued or renewed on or after July 1, 2026. Key provisions affect both admitted and nonadmitted carriers, including those handling auto and workers compensation […]
Senate Bill 515 Takes Effect November 1: Major Updates to Health Insurance Plan Rules in Oklahoma
OK| Oklahoma Insurance Department Bulletin No. 2025-10 announces substantive changes from Senate Bill 515, effective November 1, 2025, impacting health insurers and related entities in Oklahoma. The bill clarifies what qualifies as a “health benefit plan” and “health care service,” excludes specific coverages from the law’s scope, and introduces a new option for enrollees to […]
Maine Bureau of Insurance Urges Flexibility for Policyholders Impacted by Federal Shutdown—60-Day Grace Period Requested
ME| Maine Bureau of Insurance Bulletin 488 requests all Maine-licensed insurers to offer at least a 60-day premium payment grace period and flexible payment options for policyholders impacted by the federal government shutdown, specifically including federal employees and contractors; insurers are encouraged to maintain coverage, avoid penalties for nonpayment, and proactively communicate with affected customers, […]
Virginia Bureau of Insurance affirms: Labor costs cannot be depreciated under property insurance ACV settlements
VA| Administrative Letter 2025-06 from the Virginia Bureau of Insurance reaffirms that insurers licensed in Virginia must not depreciate labor or other nontangible items—such as taxes, fees, or overheard—in actual cash value (ACV) loss settlements under property insurance policies, including fire, homeowners, and dwelling policies. The Bureau emphasizes that depreciation applies only to physical materials […]
Arizona DOI Urges Insurers to Provide Relief for Shutdown-Affected Policyholders: Grace Periods, No Late Fees, and Flexible Payments Announced
AZ| The Arizona Department of Insurance and Financial Institutions issued Bulletin 2025-10 on October 30, 2025, calling on all insurers in the state to support individuals and businesses impacted by the ongoing federal government shutdown by offering at least 60 days of premium payment grace periods, postponing cancellations and nonrenewals, refraining from charging late fees […]