Home Invoice 280, signed into legislation in July 2025, is reshaping how insurers deal with premium collections after audits. Below this new rule, insurers should present written discover – whether or not by licensed mail, industrial courier, or digital transmission – inside 90 days of finishing a payroll or premium audit in the event that they need to recuperate unpaid premiums. Miss that deadline, and usually, the fitting to gather is gone – except fraud, misrepresentation, or different exceptions apply.