COVID-19 Status

Our physical office will be closed during the COVID-19 shutdown until further notice. Based on the information by the CDC, we will remain closed to protect all our co-workers and clients from COVID-19.  Our hope is that we can help decrease the spread of the illness in our workplace and community.

We are working from home and we will continue to be available during business hours Monday – Friday from 9:00 am – 5:00pm. Please call our office or email us for an immediate response.

If you have an urgent service need or to submit a claim, please call our office now. You may also refer to your declaration page for your insurance carriers direct phone number.

Please see below for each insurance carrier’s response to the pandemic. Many of our strategic partner carriers have provided relief in premium and payments and this is a common trend that we expect from all carriers. If you need more accommodations than what will be offered, we encourage you to contact our office for assistance. We will happily contact the carrier to seek assistance.

As always, if you have an urgent service need or to submit a claim, please call our office now and choose immediate service to speak to your carrier.

Thank you for your business & we hope you stay well during this unprecedented time!

P&I Insurance & Financial Services


Please note: This information is designed to be informative and it may change based on the evolving situation. We recommend you check back from time to time for updates to this list.

Carrier Date of Notice
American ModernBy request, payment can be delayed by 60 days - have the customer call 800-543-2644 to request3/31
AmTrustFor potential extension of billing due dates etc., call 866-505-4797 or email 3/19
 PAYO - pay as you owe option for worker's compensation payments3/19
Capital Premium FinancingBeing evaluated on case by case basis - call 800-767-07053/31
ChubbPersonal - Call 866-324-8222 or email to review a billing hardship situation for a customer3/24
 Commercial - effective 3/23/2020, a 60 day hold on cancellation and non-renewal for all US and Canadian insureds - NOT a waiver of premium3/24
C N AUntil 6/1/2020 - suspension of cancellations due to nonpayment of premium, waive all late fees - NOT a waiver of payment - billing support is found at or 877-276-75073/24
DonegalFrom 2/29/2020 to 3/31/2020 - payment due dates will be extended 30 days3/20
 Effective 3/22/2020 and for the next 60 days - suspension of cancellations for non-payment of premium3/20
EncompassSpecial Payment Plan available, call 1-800-262-9262 - allows customer to receive up to 2 bills in a row with no payment required, no installment fee, pay what you can - at the end of 2 months the outstanding premium is recalculated and spread among remaining bills3/19
GrangeCall 800-425-1100 with questions3/19
 Effective 3/18/2020 until 5/29/2020 - suspension of cancellations due to nonpayment of premium - NOT a waiver of payment3/25
Guardflexible with payment plans and possible extension of grace periods before issuing a notice of cancellation - call 1-800-673-24653/20
 NJ Policies - suspension of cancellations for non-payment for 90 days beginning 4/1/2020 or 5/1/2020 (policyholder's discretion), waiving late fees during the 90 days, spreading the premium due over the reamining term or up to 12 months/12 installments4/21
HagertyDelay due dates for payments due on or after 3/15/2020, extend grace periods if requested (1-877-922-9701), waive late fees, allow partial payments - this will remain in effect until otherwise notified3/24
HartfordUntil 5/31/2020 - suspension of cancellations due to non-payment of premium and there will be no late fees for premiums due on or before then.  If you have questions about alternate billing options, you or the customer can call Billing at 1-800-771-85574/17
Hospitality Insurance GroupExtension of due dates for all premium invoices by 30 days from original due date for all policies in-force or issued by 4/15/2020.  Invoices issued prior to 3/16/2020 will be given an additional 30 days from the date listed on the invoice.  Invoices issued after 3/16/2020 will show the adjusted date. 3/20
 Effective 3/16/2020 to 4/15/2020 - suspension of cancellation notices due to non-payment of premium3/20
 Effective 3/16/2020 to 5/15/2020 - suspension of cancellation notices due to non-payment of premium4/3
KemperCall 866-675-3345, select option 3 - for customers experiencing financial hardship, possible billing date adjustments and payment deferment options3/23
LackawannaEffective 3/19/2020, for 30 days - suspension of cancellation notices for non-payment of premium for affected businesses - NOT a waiver of premium3/19
 Agent MUST contact Lackawanna to request a payment deferral; it is NOT automatic4/1
Liberty Mutual/SafecoCall Safeco 877-566-6001 or Liberty Mutual 888-451-8414 if your customer is experiencing financial hardship due to COVID19, CSRs will have the authority to adjust the current bill and waive late fees incurred after 3/1/20203/19
 Effective 3/23/2020 to 6/1/2020 - suspension of cancellations due to non-pay, late fees will not be applied, return fees for insufficient funds waived - NOT a waiver of premium4/20
 Small Commercial - Suspending non-renewals through 7/31/2020 for an additional 120 days4/3
 Small Commercial - from 3/23/2020 to 6/1/2020 - suspension of cancellations due to non-pay, no late fees, waiver of return fees for insufficient funds - if a nonpayment cancellation was received prior to 3/8/2020, call 866-290-2920, option 34/20
Main Street AmericaThrough 4/30/2020, requests accepted to extend payment due dates 60 days from date requested - request process is to fill out the form at, submit online or send to with insured name, billing account number, and policy number (Subject line "Payment Leniency Request"  AGENT USE ONLY EMAIL - NOT a waiver of payment4/8
MapfreFlexible payment options on an individual basis - please call 877-627-3735 - also use the website https://account.mapfreinsurance.com3/24
 There is a suspension of non-renewal notices until further notice - if a notice was received, call underwriting at 877-627-3735 for assistance3/31
MerchantsThrough 6/1/2020 - suspension of cancellation notices due to non-payment, waived late fees - NOT a waiver of premium3/23
 For accomodations for non-payment cancellations released prior to 3/24/2020 - contact billing at 800-462-8182 or directbill@Merchantsgroup.com3/23
 NJ Policies - suspension of cancellations due to non-payment until 8/1/2020, late fees waived, late payments will not be reported to credit rating agencies - contact 800-462-8182 or directbill@merchantsgroup.com4/17
 NJ WC Policies - Pay as you go - minimum premium changed to $1500 from $2500, fees/assessments spread over all installments instead of just the first, policyholders can opt into "seasonal" status and suspend need for self-reporting4/17
 Waive upfront assessment fees on MIG "pay as you go" Worker's Comp policy changes4/21
MetLifeAllow a 30 calendar day premium deferral provided it is requested, this delay is NOT automatic - NOT a waiver of premium - contact and request at 800-255-03323/19
 Through 7/1/2020 - suspension of cancellations or non-renewals due to non-payment, late fees will be waived, this is automatic - for further accommodations, agents should contact 800-255-0332 for personal and 888-231-1497 for commercial4/16
 Ohio - Policies cancelled between 3/30/2020 and 5/29/2020 will be reinstated without lapse in coverage4/7
 Ohio - Effective 3/30/3030 to 5/29/2020 - suspension of cancellation notices due to non-payment4/7
 Ohio - Temporary cease on any collection activity for policies that cancelled before 3/30/20204/7
 Private passenger auto policyholders countrywide not on a grace period will receive premium credits of 15% of monthly premiums paid in April and May. No customer action is required to receive the credit. MetLife Auto & Home will automatically apply a future credit to the customer’s account. For customers who have paid premiums in full, they will receive a payment equivalent to the credit(s).4/13
National and - staffed and equipped with chat3/24
NationwideFor billing arrangements due to COVID19 hardship - call 877-669-6877 for personal, 888-508-8622 for business4/23
 Email to have a 60 day hold placed on billing for customers impacted - billing notices will go out but not cancellation notices, NOT a waiver of payment3/27
 A stop to commercial lines and personal lines collection efforts (both internal and external) until 6/30/20204/23
 NJ policies - Mandatory 90 day grace period to pay premiums/suspension of non-pay cancellations5/5
ProgressiveProgressive personal auto customers who have a policy in force as of April 30th will be credited 20% of their April premiums in May and personal auto customers with a policy in force as of May 31st will be credited 20% of their May premiums in June. Customers will not need to take any actions to receive the benefits. The credits will be applied automatically to the customer’s policy and those customers who have paid in full will receive a payment of the credited amounts. 5/5
SelectiveCall 800-735-3284 for billing help with financial hardship, moratoriums on cancellation/non-renewal notices based on state 3/24
 Agency bills not be penalized for late payments from their March 2020 Agency Bill Statement3/24
Selective - FloodExpirations between 2/13/2020 and 6/15/2020 - FEMA has extended the grace period for payment from 30 days to 120 days4/1
TravelersTo set up special billing arrangements, call the following numbers - Personal Insurance: call 1-800-842-5075, Business Insurance/Bond & Specialty: 1-800-252-22683/23
 Effective 3/27/2020 to 6/15/2020 - suspension of cancellation and non-renewal due to nonpayment, no interest/late fees/penalties will be charged4/29
 New Auto Policy - waive down payment if the customer has an existing home policy prior to 1/1/2020 and is in good standing, the auto bill plan is EFT or RCC, the auto policy is issued between 4/16/2020 and 5/15/20204/17
WestfieldEffective 3/18/2020 to 5/31/2020 - late fees will be waived.  Have customers call 800-243-0210, option 2, to discuss billing options4/16
 All policyholder cancellations will be suspended until 5/31/2020 and extended payment plans may be offered4/16