top of page


On April 10, 2020, the New Jersey Department of Banking and Insurance’s Commissioner Caride issued Bulletin No. 20-15 requiring insurers to grant premium payment relief to New Jersey insureds experiencing financial hardship due to COVID-19.

The Bulletin affords you certain protections, including the following:

  • A 90-day grace period to pay insurance premiums which may begin retroactively on April 1, 2020 or insureds may opt for the grace period to begin on May 1, 2020.  This grace period applies to all installment payments, including renewal down payments, provided that the insured provides notice to the insurer that the insured wishes to continue coverage.

  • Waiver of late payment fees.

  • Late payments will not be reported to credit rating agencies during the 90-day period.

  • 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, whichever is longer.

  • Late payments during the 90-day period will not be considered in any future premium calculations.

The full text of the Bulletin can be found at:


Attorney Protective continues to evaluate and adapt our COVID-19 response as circumstances changes. In the meantime, if you would like to discuss billing and make alternative payment arrangements, please call us at (877) 728-8776.


Attorney Protective

bottom of page