# Insurance (GIN)

## Title 27. Unfair Trade Practices and Other Prohibited Practices

### Subtitle 6. Cancellations, Nonrenewals, Premium Increases, and Reductions in Coverage

#### Section 27-601.1

(a) For purposes of this subtitle, with respect to policies of personal insurance, private passenger motor vehicle liability insurance, commercial insurance, and workers' compensation insurance, the issuance by an insurer of a new policy to replace an expiring policy issued by that insurer is a renewal.

(b) For purposes of this subtitle, with respect to policies of personal insurance, private passenger motor vehicle liability insurance, commercial insurance, and workers' compensation insurance, the issuance by an insurer of a new policy to replace an expiring policy issued by another admitted insurer within the same insurance holding company system, as defined in Sec. 7-101 of this article, is a renewal if:

  (1) the policyholder's premium does not increase; and

  (2) the policyholder does not experience a reduction in coverage.

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Md. Code Ann., Ins. (as displayed at mgaleg.maryland.gov, October 16, 2026)