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Property and Casualty

COVID-19 Report

close up of a coronavirus molecule

Property and Casualty

COVID-19 Report

Kentucky

For Benefits Compliance specific state updates for Kentucky click here.

April 17, 2020

On March 25, 2020, the KY Department of Insurance issued guidance on extensions of automobile insurance coverage for personal delivery drivers to aid people temporarily assigned this duty during the coronavirus pandemic and state of emergency. The guidance states that insurers shall not deny a claim under a personal automobile insurance policy solely because the insured was engaged in delivery services on behalf of a business impacted by the closures necessitated by the governor’s Executive Order.

KY Guidance

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April 08, 2020

KENTUCKY INSURANCE DEPARTMENT ISSUES OPINION CONCERNING CRITERIA FOR RATE REDUCTION

On April 2, 2020, the Kentucky Department of Insurance issued Advisory Opinion 2020-003 allowing for rate reduction, loss control and loss mitigating value-added products and services that prevent or mitigate risk at no or reduced cost to policyholders.

KY Advisory Opinion 2020-003

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April 24, 2020

On April 9, 2020, the Governor of Kentucky issued Executive Order 2020-277 temporarily suspending certain limitations related to workers’ compensation coverage and creating a presumption of coverage for certain workers removed from work due to occupational exposure to COVID-19 including healthcare workers, first responders, corrections officers, military, activated National Guard, domestic violence shelter workers, child advocacy workers, rape crises center staff, Department for Community Based Services workers, grocery workers, postal service workers and certain child care workers.

KY Executive Order 2020-277

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July 14, 2020

On May 20, 2020, the department issued guidance stating that the department will enforce a limited waiver of commercial policy vacancy clauses to the extent claims denial, policy cancellations or policy nonrenewal would occur based solely on the insured’s business location being temporarily unoccupied due to the COVID-19 pandemic. The guidance is intended to remain in effect for 60 days and may be extended if necessary.

KY DOI Guidance

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