• No Data Available

• No Data Available

• No Data Available

• No Data Available

• No Data Available

• Colorado Policyholder Notice
• Please contact your insurance agent if you would like to request a reasonable accommodation, including without limitation the following: 

1. Extension of premium grace periods
2. Waiver of late payment fees
3. A moratorium on cancellations for non-payment.  We have placed a moratorium on cancellations for non-payment of premium until May 1, 2020, at least.
4. Defer any non-renewal underwriting actions
5. Provide a continuation of coverage for any expiring policy
6. Use electronic payment technology whenever possible

•  Additional Resources:
• For More Information on COVID-19, please see the CDPHE website here:
  https://www.colorado.gov/pacific/cdphe/2019-novel-coronavirus
  For More Information or questions about your current coverage, please contact:
     Colorado Division of Insurance
     Consumer Services, Property & Casualty Section
     1560 Broadway, Suite 850
     Denver, CO 80202
     Tel. 303-894-7490 Toll-free (in state): 800-930-3745
     Internet: http://www.dora.colorado.gov/insurance

• We have placed a moratorium on cancellations and non-renewals until June 1, 2020.

• No Data Available

• No Data Available

• No Data Available

• No Data Available

• No Data Available

• No Data Available

• No Data Available

• No Data Available

• No Data Available

• No Data Available

• No Data Available

• No Data Available

• No Data Available

• No Data Available

• No Data Available

 Michigan Policyholder Notice, Pursuant to Michigan’s Department of Insurance  Financial Services’ 2020-16-INS Bulletin.

Michiganders experiencing financial hardship due to COVID-19 may receive accommodation to pay premiums. Let your agent/broker know about your hardship and request assistance. All benefits in this Notice are temporary and available until Bulletin 2020-16-INS ends, which will be 90 days after the Governor’s state of emergency ends, unless extended to a later date by law, regulation or executive order.

Michigan residents experiencing financial hardship due to COVID-19. Notify your agent/broker about your hardship and request assistance.

• Reasonable and prudent actions will be taken for Michiganders experiencing financial hardship due to COVID-19.
• How to demonstrate hardship: you may submit to your agent/ broker on our behalf a written statement that you are experiencing financial hardship as a result of the COVID-19 pandemic and preferably two pieces of evidence to support it.
• Midterm adjustment: on a case by case basis we may amend the classifications or exposures listed on your policy during the policy period based on revised data you submit to your agent/broker on our behalf. This new data may change your annual premium and, if any, the unpaid premium balance.
• Grace periods to not make payments: on a case by case basis we may extend a 60-day grace period for you to pay premiums. The grace period must start on or before the date when Bulletin 2020-16-INS ends. It is not intended to change the terms of the policy or be a forgiveness of the premium. Rather, it grants an extended grace period for the payment of premium due without penalty or interest. During the grace period we will pay covered claims and will not cancel the insurance policy due to nonpayment, attempt to collect premiums or charge fees.
• Catching up on overdue payments: on a case by case basis we may extend payment flexibility to insureds experiencing financial hardship due to COVID-19. Overdue premiums may be scheduled in installments instead of a lump sum without interest, penalty or fees.
• Reporting claims: we are providing leniency regarding prompt notice of a claim and timing to deliver swore statements, appear for examination under oath or other claim investigation procedures. Our claims examiner will document in writing to you the alternative arrangement, accommodation or leniency when appropriate. Electronic communication is generally preferred.

• No Data Available

• No Data Available

• No Data Available

• No Data Available

• No Data Available

• No Data Available

• No Data Available

New Jersey Policyholder Notice by General Star National Insurance Company

General Star National Insurance Company (“we”) implemented actions required of licensed insurers by Bulletin 20-15 issued by the Commissioner of the Department of Banking and Insurance on April 10, 2020. Benefits are temporary. They are available until the end of Executive Order 123, unless extended to a later date by law, regulation, executive order or otherwise. Any benefit that begins during this temporary period will stay in force if the timeline for the benefit goes beyond the end of the Executive Order, for example, the 90-day grace period or 12 months of installment payments.

Benefits available for New Jersey residents experiencing financial hardship due to COVID-19. Let your agent/broker know about your hardship and which benefits you want.

1. Grace period to not make payments: we have extended a 90-day grace period for you to pay insurance premiums. It is not intended to change the terms of the issued policy or be considered a forgiveness of the premium. Rather, it grants an extended grace period for the payment of premium due without penalty or interest. During the grace period we will pay covered claims. We will not cancel the insurance policy due to nonpayment, attempt to collect premiums or charge fees. The 90-day grace period may start on either April 1 or May 1, 2020, at your option.  Notify your agent/broker of your selected date.
2. Catching up on overdue payments: we are offering payment flexibility to insureds experiencing financial hardship due to COVID-19. Premiums due but not paid during the 90-day period may be paid over the remainder of the current policy term or up to 12 months in up to 12 equal installments. Let you agent/broker know the installment plan you want.
3. Paying for renewal premiums: if you renew your policy with us during the grace period and are experiencing financial hardship due to COVID-19, the renewal premium or its down payment is eligible for flexible installment payments for up to 12 months in up to 12 equal installments without interest or fees. At the time of binding your renewal notify your agent/broker about the hardship and which installment plan you want.
4. Protecting people when making payments: all agents, brokers, and other licensees who accept premium payments are encouraged to offer online payments. In-person payments are prohibited until at least when New Jersey’s state of emergency ends.
5. Cancellation at the insured’s request: you may cancel your policy and receive a prorated return premium without penalty or any minimum earned premium. We urge you to seek professional advice about the importance of insurance before ending coverage.

• No Data Available

• • Executive orders by the Governor and emergency regulations have temporarily changed parts of the insurance laws and regulation to assist or aid in coping with the disaster caused by the coronavirus known as COVID-19.
  • Policy wording is unchanged by COVID-19. Coverage provided by your policy before the outbreak of the coronavirus will be available to you until the expiration or termination of the policy, subject to any mutually agreed midterm change that is customary to insurance. Please contact your broker/agent if you have questions about your coverage.
  • Please note the following benefits available to NY residents:
  1. Cancellation for nonpayment: we have placed a moratorium on cancellations for non-payment of premium until May 28, 2020, at least. Premiums are payable when the moratorium ends.
  2. Individuals and small businesses with 100 or fewer employees: we have placed a moratorium on canceling, non-renewing or conditionally renewing policies until May 28, 2020 at least, for any policyholder facing financial hardship as a result of the COVID-19 pandemic.
  3. Premium finance companies are required to make certain changes in response to New York’s executive orders and emergency regulations. Contact your premium finance company for information.
  4. Reasonable and prudent actions will be taken for those individuals and small business with 100 or fewer employees that can demonstrate financial hardship due to COVID-19, please contact your broker/agent.

• No Data Available

• No Data Available

• No Data Available

Oklahoma Policyholder Notice

• Grace periods to not make payments: We have extended a grace period for nonpayment of premium by 45 days until Oklahoma’s state of emergency ends. The grace period must start on or before the date when Bulletin 2020-01 (AMENDED) ends. A grace period is not intended to change the terms of the policy or be a forgiveness of the premium but merely is a deferral of the payment due date. It grants an extended grace period for the payment of premium due without penalty or interest. During the grace period we will pay covered claims and will not cancel the insurance policy due to nonpayment, attempt to collect premiums or charge fees. This provision is also applicable to premium financing arrangements, so please contact your premium finance company for information.
• We have suspended all claims reporting deadlines until 90 days after Oklahoma’s state of emergency ends and extended all policyholder rights or benefits related to deadlines until 90 days after the state of emergency ends.
• Policy wording is unchanged by COVID-19. Coverage provided by your policy before the outbreak of the coronavirus will be available to you until the expiration or termination of the policy, subject to any mutually agreed midterm change that is customary to insurance. This applies to business interruption insurance, too, if part of your policy before the outbreak. Please contact your broker/agent if you have questions about your coverage.

• No Data Available

• No Data Available

• No Data Available

• No Data Available

• No Data Available

• No Data Available

• No Data Available

• No Data Available

• No Data Available

• No Data Available

• No Data Available

• No Data Available

• No Data Available

• No Data Available