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Overview of COVID-19 Premium Give Backs and Deferments

Updated as of 4/28/20

All Insurance Companies in Ohio must defer premiums owed for at least 60 days during the State of Emergency.  Ohio Department of Insurance issued this on 3/30/20. 

All of these premium refunds/dividends are subject to Ohio Department of Insurance approval, so will not be immediate.  Most will pay sometime in May or June, if approved by the Department of Insurance. 


15% For Private Passenger Auto premiums for the months of April and May 2020.  Policies need to be in force effective May 31, 2020. 

AO will provide coverage under a personal auto policy when an insured driver is employed by and engaged in delivering food on behalf of a restaurant impacted by COVID-19.  This coverage does not apply to drivers working for a Transportation Network Company or similar delivery service at the time of the loss.  Any broadened coverage provided is effective from March 23, 2020 until June 1, 2020.


5% annual decrease in premium for Personal and Commercial auto policies.   

Also 30% of two month’s auto premium dividend payout for personal and commercial auto policies.  This only applies to policies in force as of 4/1/20. 


15% Credit for personal auto policyholders for April and May who remain insured as of 5/31/20. 

Allowing temporary hired and non-owned coverage for restaurants that need to offer food delivery services. Does not apply to umbrella coverage and does not apply to restaurants that primarily serve pizza.  Alcohol delivery will need to be endorsed if it already is not on your policy though.  Does not cover comprehensive or collision losses to an employee’s vehicle. 


$50.00 Refund to any personal auto policyholder who had a policy on 3/31/20 and is still with Nationwide.



25% Auto premium refund to personal auto policyholders from 3/16/20 – 5/31/20.  Credit will be applied in June and will apply to all policyholders in place as of 5/31/20.  New policies with effective dates from 3/16/20 – 5/31/20 will receive a pro-rated credit. 


Personal auto policyholders who have a policy in force as of 4/30/20 will be credited 20% for April premiums in May and personal auto customers with a policy in force as of May 31 will be credited 20% of their May premiums in June. 


15% credit for March and April premiums.  

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