Plan For Market Conduct Exams

State insurance departments have been aggressive with market conduct examinations in personal lines (auto and homeowners). We have seen a marked uptick in the frequency of calls asking us to prepare researched responses to the market conduct issues and to negotiate with the examiners to minimize fines, as well as to temper the severity of […]

Insurance mailing rules for Cancellation & nonrenewal notice

In calculating the number of days for mailing notice of cancellation or nonrenewal, an insurer must add “mailing days” to the minimum number of days required as advance notice before the effective date. The number of days that must be added varies by state, and state specific research is needed to determine the requirements.  The general […]