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Property and Casualty

COVID-19 Report

close up of a coronavirus molecule

Property and Casualty

COVID-19 Report

Washington, DC

For Benefits Compliance specific state updates for Washington, DC click here.

May 08, 2020

On May 5, 2020, the D.C. Council declined to vote on a portion of the Coronavirus Omnibus Emergency Amendment Act of 2020, called the Business Interruption Insurance Amendment Emergency Act, which would have required every business interruption and loss of use or occupancy insurance policy currently in force in the District of Columbia be read to cover business interruptions directly or indirectly resulting from a public health emergency declared under the District of Columbia Public Emergency Act of 1980. We will continue to monitor the state’s activity on this issue.

D.C. Proposed Resolution

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May 08, 2020

On April 27, 2020, the D.C. Department of Insurance issued Commissioner’s Order 03-2020 to all insurance companies concerning certain action related to the pandemic, including:

  • Prohibits insurance companies and premium finance companies from terminating insurance contracts due to non-payment
  • Directs insurance companies to make reasonable accommodations for policyholders during the state of emergency, including:
    • Waive installment, late payment or reinstatement fees.
    • Defer cancellations, nonrenewals and adverse underwriting actions.
    • Extend billing due dates and premium grace periods.
    • Ensure that late payments during the emergency are not considered in any future premium calculations at any time.
    • Make District policyholders aware of the accommodations available.Provide ready access for policyholders to apply for such accommodations online, by mail and telephonically.
    • Provide an option to use electronic payment technology through a website, a software application or electronic bank transfers, when possible.

Commissioner’s Order 03-2020

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June 01, 2020

On May 8, 2020, the D.C. Commissioner of Insurance issued Bulletin 20-IB-2-05/08 providing guidance on Commissioner’s Order 03-2020 clarifying the prohibition on cancellation and deferred payments for unpaid premiums. It notes that the prohibition on cancellations and the deferred payment measure will remain effective until June 8, 2020. The intent of the order allows a premium finance company to issue a notice of intent to cancel an insurance contract if an insured/borrower fails to make a payment calculated.

Bulletin 20-IB-2-05/08

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July 14, 2020

On May 18, 2020, the D.C. Commissioner of Insurance issued Bulletin 20-IB-2-05/08 providing guidance on Commissioner’s Order 03-2020 clarifying the prohibition on cancellation and deferred payments for unpaid premiums. It notes that the prohibition on cancellations and the deferred payment measure will remain effective until June 8, 2020. The intent of the Order allows a premium finance company to issue a notice of intent to cancel an insurance contract if an insured/borrower fails to make a payment calculated.

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September 04, 2020

On August, 17, 2020, the Department of Insurance issued a notice to inform insurers and premium finance companies of their obligation to policyholders during the pandemic reminding them than the orders and bulletins previously issued directing insurers to refrain from certain activities as outline in Bulletin 20-IB-2-05/08 remains in effect through October 9, 2020.

D.C. Notice

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