The COVID Project
Context, not an orderThis record is guidance or an announcement kept for context. It is not counted among the orders in force.
The record
- Jurisdiction
- Massachusetts; Division of Insurance · Massachusetts
- Level
- Sector regulator
- Authority
- M.G.L. c. 26, § 8A
- Issued
- 2020-05-18 May 18, 2020
- Effective
- 2020-05-18
- End
- For the duration of the Governor's Emergency Orders closing non-essential businesses (read as 2020-09-30)
- In force
- May 18, 2020 to Sept. 30, 2020
- Quarters
- 2020 Q22020 Q3
2020 Q22020 Q32020 Q42021 Q12021 Q22021 Q3
- Limitation types
- Business closureOther
- Addressees
- all property and casualty insurance carriers
- Functions reached
- IN commercial property underwriting and claims
- CB every business 'not deemed essential under Governor Baker's Emergency Orders' whose premises stood vacant
- SF/ML premises closed (industries 07, 05, 17, 18)
- Character
- context
- Collection
- State insurance and banking regulators AGY-ST-INSURANCE-BANKING
Operative words
[Because commercial property] policies may include provisions that limit coverage in the event that a property is vacant for a certain number of days, the Division believes that Carriers should be looking for all ways to be flexible in counting days of vacancy to provide coverage to business owners... Carriers are expected to do the following: Take steps to be flexible with accounts regarding vacancy limitations in policies issued to those businesses not deemed 'essential' under Governor Baker's Emergency Orders and [therefore closed]; When counting days that a property is considered vacant, exclude days that the property is vacant due to the Governor's Emergency Orders, provided that the property is properly [secured and maintained].
Enforcement
Notes
The insurance regulator's finding that non-essential businesses' premises were 'vacant due to the Governor's Emergency Orders.'
Retrieval noteCite it as context and cite the underlying order, statute or emergency rule it describes as the instrument. (Bulletins whose operative text imposes a mandatory duty on licensees under the regulator's own authority are excluded from this downgrade and listed separately for review.)).