Maryland Insurance Administration Seeks Public Comment on Proposed Bulletin for Use of Satellite and Aerial Imagery in Property Insurance Decisions
MD| The proposed Maryland Insurance Administration Bulletin 25-XX clarifies that while insurers may use satellite or aerial imagery in decisions regarding property insurance cancellations, nonrenewals, or claim denials, such actions must be based on clear, accurate, and current images, and must comply with statutory requirements for transparency and fairness. Insurers are expected to provide insureds […]
Michigan Updates Fire Insurance Withholding Program: New Edition Lists Participating Municipalities and Rules
MI| The Michigan DIFS has updated its list of Michigan Municipalities Participating in the Fire Insurance Withholding Program (Edition 179, effective June 1, 2025). The update provides an overview of Michigan’s Fire Insurance Withholding Program, which allows certain municipalities to escrow up to 25% of fire insurance settlements for real property losses due to fire, […]
California Insurance Commissioner Reaffirms Strong Protections for Nondiscrimination and Health Care Access
CA| The California Insurance Commissioner issued a notice on May 1, 2025, reaffirming the Department’s commitment to enforcing all state laws protecting nondiscrimination and access to health care for all Californians, especially amid federal rollbacks targeting vulnerable and historically disadvantaged populations, including women, students, immigrants, and LGBTQIA+ individuals. The notice highlights that all state consumer […]
Insurers with 1%+ Market Share in Rhode Island Required to File Distinct Labor Rate Reports by September 1, 2025
RI| The Rhode Island Department of Business Regulation Bulletin Number 2025-2 details the process and requirements for the 2025 Auto Body Labor Rate Survey, which must be conducted by insurers and groups meeting or exceeding a 1% market share. Insurers are required to distribute questionnaires to all fully licensed auto body repair facilities, establish separate […]
North Dakota SB 2374 Brings Big Changes to Surplus Lines Placement Rules – Effective Aug. 1, 2025
ND| In 2025, North Dakota’s 69th Legislative Assembly passed Senate Bill 2374, effective August 1, 2025, which significantly simplified surplus lines placement rules. Under the new law, a risk may be placed with a surplus lines carrier if the producer is aware that the full amount or type of coverage is not available from admitted insurers actually writing […]
Mississippi SLA Announces Addition of Approved Non-Admitted Insurer
MS| Bulletin 25-11, issued by the Mississippi Surplus Lines Association, announces the addition of Dental Professional Specialty Risk, NAIC #17771, to their list of approved unauthorized surplus lines insurers. Effective May 1, 2025. Click here to see MSLA Bulletin 25-11
Massachusetts Issues Guidance on Insurers’ Use of Aerial Imagery for Property Underwriting
MA| The Massachusetts Division of Insurance issued Bulletin 2025-02 to clarify the use of aerial imagery by property and casualty insurers for underwriting decisions. Insurers may use aerial images to assess property condition and deny coverage if clear evidence of significant degradation or damage is present, but must ensure image accuracy and not base non-renewals […]
New Hampshire Insurance Department Tightens Disclosure Rules for Licensees
NH| The attached New Hampshire Insurance Department bulletin (Docket #INS 25-034-AB, dated April 28, 2025) provides updated guidance for all insurance producers and adjusters licensed in New Hampshire regarding mandatory disclosure requirements. Licensees must report any administrative actions taken against them by another governmental agency within 30 days of final disposition, and any criminal prosecutions […]
Connecticut Issues New Guidelines for Health Insurance Rate Filings in 2025
CT| The Connecticut Insurance Department’s Bulletin HC-81-25, outlines comprehensive requirements for health insurance rate filing submissions by carriers operating in Connecticut. The Bulletin mandates that all rate filings comply with both state statutes and federal regulations, including those under the Patient Protection and Affordable Care Act (PPACA). It specifies detailed actuarial and documentation requirements, addresses […]
Connecticut Insurance Department Issues New ACA Compliance Guidelines for 2026
CT| The Connecticut Insurance Department’s Bulletin HC-90-25, outlines filing requirements for individual and small employer group health insurance policies subject to the Affordable Care Act for plan years beginning January 1, 2026. The bulletin applies to all carriers operating in Connecticut, both on and off the state exchange, and details the process and deadlines for […]