The California Insurance Commissioner and the New Jersey Department of Banking and Insurance both took actions this week to put more money in the pockets of insurance customers. In California, a Bulletin from the Office of Insurance Commissioner Ricardo Lara requires insurance companies to provide a premium credit, reduction, return of premium or other appropriate premium adjustment at least for the months of March and April – including the month of May if “shelter in place” restrictions continue – in at least six different insurance lines. Included among those lines of insurance are commercial automobile, workers’ compensation, commercial multi-peril, commercial liability and any other insurance line where the risk of loss has fallen substantially as a result of the COVID-19 pandemic. The Bulletin also imposes a 60-day grace period for policyholders to pay their premiums and requires the rebate or adjustment to be done as soon as possible, but no later than August, 2020. The order is similar but a bit different back east in New Jersey, where in the wake of Executive Order 123 signed by Governor Phil Murphy, the Department of Banking and Insurance issued three separate Bulletins imposing a 90-day grace period on insurance premium payments due to disruption caused by COVID-19. The Bulletins dealt individually with Property and Casualty Premium Payment (Bulletin 20-15); Life Insurance Premium Payments (Bulletin 20-16) and also extending the grace period to clients of Life Insurance Finance Companies (Bulletin 20-17).