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By:  Patricia McHugh Lambert, Esquire and Robert S. Campbell, Esquire 

April 15, 2020

Last week we provided information as to recent Bulletins and other information sent out by the Maryland Insurance Administration.  (Please see updates below listed by date).  We are today providing a summary of additional Bulletins that have been issued since our last newsletter.

Bulletin No. 20-18 deals with Motor Vehicle Registrations and Commercial Automobiles and Fleets.  The Bulletin notes that owners of multiple vehicles, including commercial fleets, may want to put some vehicles out of service during the Covid-19 crisis, so as to discontinue coverage and thereby reduce premiums.  The Maryland Insurance Administration encourages insurer to work with policyholders to make premium reductions without the return of tags. This reduction of premium issue has been the subject of a number of Bulletins and insurers should consider having a plan in place to deal with such issues.

Bulletin No. 20-19 deals with quarterly premium tax payments.  The bottom line of this bulletin is that the Insurance Commissioner has the discretion to waive penalties and late payments of quarterly estimated premium taxes due on April 15, 2020.  Importantly, an insurer should have documentation as to how the Covid-19 crisis has impacted the operation of the insurer’s premium tax administrative offices. 

Bulletin No. 20-20 deals with the financial challenges of Maryland’s business community and what insurers should do to assist.  With respect to workers compensation policies, insurers are requested to work with producers to accommodate policyholder requests for mid-term revisions to premiums based upon Covid-19 furloughs and layoffs.  This Bulletin also requests that insurers waive or reduce “to the greatest extent possible” short-rate cancellation penalties during the Covid-19 crisis.  Insurers that use credit in underwriting are also urged to take into consideration the impact of the crisis; insurers are specifically urged to “rely heavily” on pre-Covid-19 information and to consider an insured’s or applicant’s history over a period “of several years”.  Commercial insurers are also urged “to refrain from attaching any adverse underwriting or pricing outcomes for insureds who have made inquiries or file Business Interruption claims that have not resulted in a claim payment.”

Other Information:  There is a Covid-19 resource page that has important information, including:

  • Contract information for key Maryland Insurance Administration personnel.
  • Responses to frequently asked questions, including questions relating to extended filing deadlines, the waiver of the requirement of “wet” signatures for filings, and the fact that there is no change in the service procedures for litigation filings against insurance companies.

We expect additional bulletins and information to be issued during the upcoming weeks.

Please feel free to contact us regarding these Bulletins or their implementation.

April 6, 2020

There is so much being written about the legal issues surrounding the pandemic that it is hard to know where to begin reading.  We have decided to help by giving our clients and colleagues a guideline of some of the articles and resources we have been reviewing.  We are providing information related to Bulletins issued by the Maryland Insurance Administration (“MIA”) concerning the Covid-19 Pandemic.

Check in frequently for an update on these resources.  Please contact us ( or and let us know if this list is helpful or if you have other resources that we should add to our aggregated list.

Bulletin No. 20-17 deals with contractual deadlines within insurance policies.  The MIA has specifically requested insurers to “be lenient” in the application of the policy language requiring “notice of a claim promptly.”  Insurers are specifically requested to consider “whether or not late notice of a claim was preventable and if the late-notice actually prejudiced the insurer’s ability to adjust the claim.”  Similarly, insurers are requested to consider limiting the use of “Sworn Statement in Proof of Loss” and to consider the use of electronic signatures.  The MIA has further reminded insurers that policyholders should not be penalized for delays that might be caused by the Covid-19 crisis, particularly in considering the policy benefits for additional living expenses, loss of use, rental reimbursement, and business interruption claim.  For EUOs, insurers are forbidden to take in person examinations without the agreement of all parties; even with the agreement of all parties, there must be strict adherence to all social distancing protocols.

Bulletin No. 20-16 deals with title insurance producers.  This bulletin specifically allows title insurance producers to conduct remote settlements during the Covid-19 crisis, provided that certain protocols are followed. The protocols are specified in the bulletin.

Bulletin No. 20-15 deals with certain private passenger automobile insurers suspending the commercial use exclusionary language in their contracts during the Covid-19 crisis.   The bulletin explains how insurers may make an endorsement form filling that temporarily suspends the commercial use exclusionary language in their contracts.

Bulletin Nos. 20-10 and 20-14 deals with premiums.  In Bulletin No. 20-10, the MIA strongly encouraged insurers to make reasonable accommodations so that individuals and businesses do not lose coverage due to non-payment of premium during the Covid-19 emergency.  The MIA specifically noted that reasonable accommodations may include suspensions of premiums due, extension of billing due dates and premiums grace periods, and waiver of installment and late payment fees.  Bulletin No.  20-14 applies to Maryland-domiciled insurers and deals with waiver of the Statutory Accounting Principle that requires an insurer to non-admit premium receivable assets over 90 days past due.;

Bulletin No. 20-13 concerns the temporary suspension of the 45-day advance mailing notice of cancellation, non-renewal or premium increase for private passenger automobile liability insurance for the duration of the state of emergency.  Specific information is provided as to what efforts insurers should make and the extended timing for protests.

Bulletin No 20-09 concerns what insurers offering travel insurance policies offer during the Covid-19 crisis.

Information regarding Covid-19 provider frequently asked questions can be found at  Information regarding frequently asked question on producer licensing can be found at


The MIA has also issued an advisory on business interruption insurance.  As stated in this advisory, “Some commercial policies provide Business Interruption coverage when a business is shut down due to an Order by a civil authority.  However, the policy still typically requires a physical loss from a covered peril as the underlying cause of the business shut down to apply.  All insurance policies have exclusions of coverage for risks that are too great to be underwritten at an affordable price.  For example, commercial and personal property insurance policies typically contain specific exclusions for loss or damage caused by war, nuclear action and radiation.  The potential loss costs from such perils are so extreme that providing coverage would jeopardize the financial solvency of property insurers. Global pandemics like COVID-19 usually fall into this category. However, policies can be different. We recommend that businesses review their policies and reach out to their insurance professionals with any questions.”

We expect additional bulletins and information to be issued during the upcoming weeks.

Please feel free to contact us regarding these Bulletins or their implementation.

Ms. Lambert has over 35 years of experience in handling complex commercial litigation and insurance matters. Ms. Lambert has worked on national class actions, significant litigation and regulatory matters for Fortune 500 companies. She has also assisted small and mid-sized companies and business executives with contract, real estate, liability assessment and commercial disputes that needed to be resolved quickly and efficiently. Ms. Lambert is best known as an attorney who knows the field of insurance. She has represented insurers, policyholders, and insurance producers in disputes both in court and before the Maryland Insurance Administration.

Ms. Lambert is the firm’s Co-Liaison for Harmonie, a national network of high quality law firms that serve the special needs of the risk industry, and was recently appointed to Harmonie’s Board.  She can be reached by phone at 410-339-6759 or email

Mr. Campbell has close to 20 years of experience as a general litigator.  He has an active litigation practice primarily in complex commercial and general litigation matters in Maryland state and federal courts as well as other jurisdictions in which he is admitted pro hac vice. He has extensive appellate, arbitration and trial experience and notably has a long and successful motions track record including successful motions for summary judgment and dismissal for his clients. As part of his practice, Mr. Campbell is assigned to represent insureds by national insurance carriers in premises liability, tort defense, automobile and trucking cases, and government liability matters. He has participated in the prosecution and defense of claims against Maryland insurance producers. Mr. Campbell can be reached at 410-769-6140 and

About PK Law’s Insurance Group

PK Law’s Insurance Group is comprised of a deep bench of attorneys with an extensive range and level of experience in the insurance industry. Lead by Members Patricia McHugh Lambert and Joan Cerniglia-Lowensen, the Group is supported by Members, Steve Allen, Barry Bach and Robert Campbell, Kambon Williams and Aidan Smith and Associates Emily Devan, Alex Kelly and Kathryn Jackson. All members of the Group receive mentoring and are trained to apply the techniques and analysis that the Group’s senior attorneys use including project management, identification of the stages of and how to accurately evaluate a case.

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