Our entire staff is working remotely and we are all accessible by phone during the COVID-19 pandemic. Feel free to continue reaching us at 1-844-304-7332 and press 0 to receive the same great service you’re accustomed to!
In the meantime, please take a look at our COVID-19 bulletin board for important information:
- Disaster Relief Loan Program
- Updates For The State Of California
- Updates For The State Of New York
- Auto Insurance Premium Relief
- Commercial Lines Premium Relief
Disaster Relief Loan Program
The SBA recently launched a Disaster Relief Loan Program to help small businesses during this COVID-19 crisis. This SBA loan generally carries low fixed rates with the option of deferred payments. These loans are applied for and funded by the SBA. Learn more about the CARES Act passed by the SBA by clicking this link.
To inquire about SBA Disaster Relief Loans please visit the SBA’s Website at https://www.sba.gov/page/coronavirus-covid-19-small-business-guidance-loan-resources/ or email the Disaster Assistance Customer Service Center at disastercustomerservice@sba.gov.
Updates For The State Of California
Updates For The State Of New York
- Notice for Notifying Holders of Life Insurance Policies or Annuity Contracts
- Notice for Notifying Holders of Certain Property/Casualty Insurance Policies
Auto Insurance Premium Relief
As we all work together to slow the spread of COVID‐19, more of us are at home, driving fewer miles, thus having fewer accidents resulting in fewer claims. That’s why many of our carriers are providing Shelter‐in‐Place Premium Relief to eligible automobile customers.
Pending regulatory approval, personal auto insurance carriers have begun to announce their personal auto customer relief funds for the months of April 2020 and May 2020. Please find the respective carriers participating below:
| Subject To Approval By State Regulators No Action Is Required On Behalf Of The Insured Customers Will Not Need To Take Action To Receive The Benefits |
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|---|---|---|---|---|
| Company | Premium Relief Months | Premium Relief Amount | Premium Distribution Method | |
| Berkley One Auto Premium Payback |
April 2020 – May 2020 | 20% of Monthly Premium | Will be applied automatically in June. | |
| Chubb Premium Credit |
April 2020 – May 2020 | 35% of Monthly Premium | Providing personal auto insurance clients with a credit on the Annual Renewal. Possible additional discounts for subsequent months. Average $110 per vehicle. | |
| Cincinnati Stay-at-Home Auto Premium Credit |
April 2020 – May 2020 | 15% of Monthly Premium | No details provided at this time | |
| Encompass Shelter-in-Place Payback |
April 2020 – May 2020 | 15% of Monthly Premium | No details provided at this time | |
| Hanover Hanover CARES Refund |
April 2020 – May 2020 | 15% of Monthly Premium | No details provided at this time | |
| Hartford Personal Auto Payback Plan |
April 2020 – May 2020 With an active auto policy as of April 1, 2020. |
15% of Monthly Premium | Installments will receive a credit toward their next payment. PIF: Direct Payment to Customer in the form in which last payment was received. | |
| Kemper Policyholder Premium Relief |
April 2020 – May 2020 April Credit will apply in May May Credit will apply in June |
15% of Monthly Premium | Credits applied directly to the policyholder’s policy. PIF: Direct Payment to Customer | |
| MAPFRE Staying Home Refund |
April 2020 – May 2020 | 15% of Monthly Premium | No details provided at this time Massachusetts & Other States |
|
| MSA – National Grange Premium Relief |
One-time premium credit | One-Time full payment of $50 per vehicle covered by a Main Street America personal auto. | Checks will be made out to the named insured on the auto policy and mailed to the address on file. Distribution of checks within 60 days. | |
| MetLife | April 2020 – May 2020 | 15% of Monthly Premium | • Customers in-force as of April 30th 2020, receive a premium credit on their next quarterly/monthly statement = 15% of their April premium. • Customers in-force as of May 31th 2020,receive a premium credit on their next quarterly/monthly statement = 15% of their May premium. |
|
| National General | April 2020 1 MONTH ONLY |
15% of Monthly Premium | The credit applies to personal auto with in-force policy as of April 30, 2020, and will automatically be credited to their policy. Policyholders do not have to take any action to receive the credit. | |
| Nationwide Including NWPC One-time premium credit |
One-time premium credit | One-time credit of $50 per policy for Personal Auto | Apply credits to the billing accounts | |
| NLC Insurance Premium Credit |
April 2020 – May 2020 | 15% of Monthly Premium | If the policy has a balance due, the premium credit will be applied to those balances first. If the credit is greater than the amount due or the policy has been paid in full, refund checks will be mailed directly to insureds. | |
| New York Central Mutual Credit to Auto Policyholders |
April 2020 – May 2020 | 15% of Monthly Premium | As of April 30th 2020, Credits will be mailed to the address on filer in the coming weeks. | |
| Ohio Mutual Auto Premium Credit Relief |
March 16 – May 31 A period of up to 11 weeks. |
25% of Monthly Premium | The credit will be noted on the first invoice produced after June 1. PIF: Direct Payment to Customer All personal in-force auto policy as of 5/31/2020 |
|
| Plymouth Rock PRAC Premium Relief |
April 2020 – Until ‘Stay at Home’ order is lifted | 25% premium credit on Liability and Personal Injury Protection. New auto insurance policies. An online Premium Calculator is being developed. | ~Credits will be applied to affected customers’ policies. “Pay It Forward”: Option to donate the savings to non-profit organizations supporting the fight against the pandemic. Voluntarily waive Comp. & Collision deductibles for any health care worker involved in an accident. |
|
| Progressive Customer Premium Relief |
April 2020 – May 2020 April Credit will apply in May May Credit will apply in June |
20% of Monthly Premium | Monthly: Credit on Future Bills PIF: Direct Payment to Customer |
|
| Providence Mutual Providence Cares Credit |
Personal automobile policies renewing between June 15, 2020 and June 14, 2021 | Two Months of the expiring Premium 15% of Monthly Premium |
The credit will be reflected on the Declarations page of the policy documents. | |
| Pure Reduced Miles Refund |
From the introduction of state stay-at-home orders until they are lifted. | 15% of Monthly Premium | Credits will be paid in cash or applied to reduce any outstanding balance due to PURE. Classic Cars already reflect the low-to-no mileage – this credit will not be applied to Classic Cars. | |
| Quincy Mutual Stay at Home Auto Premium Refund |
April 2020 – May 2020 To policyholders with an active policy as of April 30 |
$25 per Vehicle | Issue payment by mailing a check directly to policyholders. | |
| Safeco Customer Relief Refund |
April 2020 – May 2020 | 15% of Monthly Premium | Monthly: Refund in the same form as payment was received PIF: Check Direct to Customer |
|
| Travelers Stay-at-Home Auto Premium Credit Program |
April 2020 – May 2020 | 15% of Monthly Premium | Monthly: Credit on Future Bills PIF: Direct Payment to Customer |
|
| Utica National Auto Rate Relief Payback |
April 2020 – May 2020 | 15% of Monthly Premium | A credit on an upcoming billing statement or through a one-time check payback, if they are paid in full (zero balance) across all policies. | |
| Vault Insurance | April 2020 – May 2020 | 15% of Monthly Premium | Monthly: Credit on Next Installment Invoice PIF: Direct Payment to Customer by June 30 |
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| Vermont Mutual | 3 months!! | 20% of Monthly Premium | Prefer to issue this payment once, rather than in multiple waves. Until May 15 to decide to donate to charity. May 16, refund, a check, or direct deposit transaction for EFT customers | |
Commercial Lines Premium Relief
| Commercial Lines – Premium Relief | |||||||
|---|---|---|---|---|---|---|---|
| Carrier | Premium Relief Months | Policies in-force As Of: | Lines of Business | Premium Relief Amount | Premium Distribution Method | ||
| Liberty Mutual | 2 Months | 4/1/2020 | BOP, including those written as part of Specialty Program (see this link) | 15% of 2 months of the Annual premium; If less than $10, refund will be $10 | Issued by Check | ||
| Main Street America/National Grange | April and May | 3/31/2020 | BOP or Contractors Policy | 20% of April & May Premium Charges | Applied to next bill or if paid in full; a check will be issued | ||
| Hospitality Insurance | Policies Expiring March 16 – May 4 |
Liquor Liability | Based on # of days closed on expiring policies | Issued by Check | |||
| Merchants Mutual | April and May | State of NY: Commercial Auto, MAP Business Owners (Excludes: MAP Auto Repair & MAP Contractor Policies) | 15% of Premium Charges in April & May | Minimum credit is $10; Automatically applied to next bill or if paid in a full, a check will be issued | |||