This chapter applies only to policies of commercial insurance. This chapter does not apply to: A policy in effect for 45 days or less, as provided in Insurance Article, §12-106, Annotated Code of Maryland; or A policy issued to an exempt commercial policyholder under Insurance Article, §11-206, Annotated Code of Maryland, if the policy provides for written notice of not less than 30 days of the insurer’s intent to cancel or refusal to renew. In this chapter the following term has the meaning indicated. Commercial Insurance Defined. “Commercial insurance” means property insurance or casualty insurance: Issued to an individual, sole proprietor, partnership, corporation, limited liability company, or similar entity; and Intended to insure against loss arising from the business pursuits of the insured entity. “Commercial insurance” does not include: A policy issued by the Maryland Automobile Insurance Fund; A policy issued by the Joint Insurance Association; Workers’ compensation insurance; or Title Insurance. Whenever an insurer cancels or refuses to renew a policy of commercial insurance for a reason other than nonpayment of premium, the insurer shall provide to the named insured a written statement of the actual reason for the cancellation or refusal to renew. An insurer shall include in a statement of actual reason: An offer to provide additional information in support of the proposed action on the written request of the insured; A notice that if the insured would like additional information in support of the proposed action, the insured is required to send the written request for additional information within 30 days after the date of the statement of actual reason; and An address for the insured to submit the written request for additional information. Insurance Article, §§2-109 and 27-605, Annotated Code of Maryland Effective date: March 17, 2014 (41:5 Md. R. 348)