Below is our current list of insurance companies who are taking steps to assist customers who have been affected by the current pandemic.  Please check back regularly. We will continue to update this page as we receive new information from insurance companies.


In the interest of providing help to our customers now, when they need it most, AmShield Insurance® is issuing relief payments to our policyholders representing approximately 30% of their personal auto monthly premium for the months of April and May, based on our best estimate of the impact of this pandemic on our customers and our business. We will also temporarily suspend company-initiated non-renewals and cancellations of property and casualty policies, as well as cancellations as a result of bad bank drafts. Customers will not be prevented from reinstating a policy; however, they will be responsible for late payments or bad drafts.

Read more here


FEMA is extending the grace period for payment of NFIP flood premiums due to COVID-19. For policies with an expiration between February 13th, 2020 and June 15th, 2020, FEMA has extended the grace period for receipt of renewal premium payments from 30 to 120 days. This extension allows customers additional time to pay their flood premiums to avoid any lapse or reduction in flood coverage. As long as payment is received in Selective’s offices within 120 days after the expiration date on these policies, no lapse in coverage will occur.

First Insurance Company of Hawaii

To help ease some of the financial stress, FICOH will consider deferring the collection of installment premiums for commercial customers who have been closed or otherwise substantially and negatively affected by these directives.

  • Policies with installment invoices due from 3/16/20 thru 4/30/20. Eligible policies are: GL, Property, Package, BOP, WC, Comm. Auto and Umbrella.
  • The deferral of monies due from 3/16/20 to 4/30/20 will be accrued to the next installment or 5/15/20, whichever is sooner.
  • Direct Bill policies only.
  • Deposit premiums are not eligible. Deposits must be paid to incept coverage.


If you are unable to pay your premium on time, please call us at 1-800-747-5348 to request a deferral of payment or discuss other billing options.


We are extending our “Temporary Suspension of Premium Payment Program” through the end of May.

Policyholders can now request a temporary suspension of their premium payments for invoices dated through May 31, 2020. (Request Form) Clients reporting payroll through `AePay should continue to do so, even if payroll is $0. If policyholders have requested relief in April, there is no need to submit an additional request.

New “Passport” App for Employers: Transition Workers Back Safely

The Passport App helps employers confirm that each worker is symptom-free prior to entering the workplace each day or shift. The app is simple, easy and confidential. Here’s how it works:

  • The employee opens the app before reporting to work and takes a short survey about COVID-19 symptoms.
  • Their status is sent confidentially to your HR contact.
  • If the employee is symptomatic, they are instructed not to report to work, to monitor their symptoms, and to follow-up with a doctor.
  • HR can then maintain regular communication with any symptomatic employee, confirming their next steps and planning for a healthy return.

The Passport App is available to all HEMIC policyholders and agency partners. It can be easily customized for those utilizing MS Office 365. For others, a web-hosted version is available.

If you are interested in using the Passport app, Hemic’s IT department will provide you with access.

Get The Passport App

Hawaiian Insurance Group

  • Payment Due Dates – Until further notice, HIG will extend payment due dates by 30 calendar days beyond what is printed on your invoice. Please contact HIG’s office at (808) 536-2777 for more information.
  • Reinstatement and NSF fees – These fees are waived until further notice.


Hiscox USA has put in place a 60-day moratorium for all states (in effect until 06/01/2020), where they will not cancel the policy for non-payment of premium.

To defer payments call Hiscox NOW at 866-739-0727 from Monday – Friday, 7:00 a.m. – 10:00 p.m. EST to make the request.

Frequently Asked Questions

Business Interruption (Business Income)

Q: As a result of COVID-19, my business has lost revenue/income. Does my policy provide any coverage for such business losses?

A: Unfortunately, business income is not covered by most Hiscox policies. While Hiscox’s Business Owners Policy (BOP) does contemplate business interruption coverage, that coverage is unlikely to apply (see further discussion of this coverage in the following question). Nevertheless, if you would like to submit a claim please use the online claim submission process and a claim handler will review your submission for coverage.

Q: Does the Business Owners Policy’s Business Interruption coverage apply to lost revenue/income or closing a business due to COVID-19?

A: The Business Interruption coverage in the BOP is only triggered when there is “direct physical loss”, meaning real/physical property damage, by a “covered cause of loss”. Additionally, the BOP includes a ‘Virus or Bacteria’ exclusion applicable to Business Interruption claims that states: ‘We will not pay for loss or damage caused directly or indirectly by…’ ‘Any virus, bacterium or other microorganism that induces or is capable of inducing physical distress, illness or disease.’

Source: SECTION I – PROPERTY, B. EXCLUSIONS, item j. Virus Or Bacteria (all states except as noted below)
Massachusetts – Exclusion of Loss Due to Virus or Bacteria (BP 06 06 01 07)
New York – Exclusion of Loss Due to Virus or Bacteria (BP 06 04 03 08)

Nevertheless, if you feel there is reason to file a claim for Business Interruption, we recommend that you use the online claim submission process and a claim handler will review your submission for coverage.

IPFS Corporation

  • They are proactively waiving all late fees assessed for insureds with premiums less than $50,000 from March 15th through April 30th. You will not need to do anything for this to occur.
  • IPFS is extending cancellation notices up to 30 days beyond the payment due date where it may be needed.
  • They will apply, based on the insured’s preference, return premium from policy modifications to the next payment or spread out savings over the balance of the loan term.


For Markel policyholders who notify them that they cannot pay their premiums due to events related to COVID-19, they are initiating a temporary 60-day voluntary hold on cancellations and nonrenewal notices, except in those states where regulatory orders require a longer time period or stricter guidelines. While they will continue to bill clients for premiums, payments will be deferred. In addition, Markel Specialty will not cancel for non-payment and will waive any late fees during this hold.

If you need assistance please contact Culley Insurance Group.
Customer Service: (888) 500-3344[email protected]
Claims: (800) 362-7535
[email protected] (Workers compensation only)
[email protected] (All other lines)


Phone: 877-776-2436
Service representatives are ready to help with billing and payment issues, including the possible movement of billing due dates.

Starting Wednesday, April 1, 2020 continuing through Friday, May 15, 2020, Progressive customers will not be canceled or non-renewed for non-payment of premium. We’re aware that some states have already issued leniency guidelines and we will adjust this timeline to either meet or exceed any state-specific requirements. Please note that this may not apply to all products in California.

In addition, customers will not be charged any late or cancel fees, receive any cancel notices, or experience any lapses in coverage during this time.

This cancellation and non-renewal moratorium applies to all Progressive Personal Lines, Progressive Home and Property, and Progressive Commercial Lines products.

We also recognize that businesses may have unique and changing insurance needs and are here to walk through options that best fit their business situation.

Customers do not need to take any action; we will automatically enact this moratorium to ensure coverage and help provide relief from any financial hardships our mutual customers may be facing as a result of the coronavirus outbreak. Please note that we will not be reinstating policies that canceled for non-payment prior to April 1, 2020. Also, if you have customers paying via automatic payments who wish to be removed from this payment option, they will still need to call customer service to make that update.


Billing Relief Plan Extended
Effective immediately, we are extending our billing relief plan through June 15, 2020. The details of the plan remain the same: Cancellation and nonrenewal of coverage due to nonpayment has been suspended, and no interest, late fees or penalties will be charged during this period.

We have launched the Stay-at-Home Auto Premium Credit Program, which will automatically give U.S. personal auto insurance customers a 15% credit on their April and May premiums. It’s our way of supporting our customers, and we hope it helps ease some of the financial burden many are experiencing.

Travelers is offering billing support to its customers who are financially affected by the actions being taken to reduce the spread of the COVID-19 virus. Effective immediately, we are suspending cancellation and nonrenewal of coverage due to nonpayment through May 15, 2020. We will not charge interest, late fees or penalties during this period, providing policyholders extra time to pay their premiums without risking cancellation.

Temporarily paused:

  • All on-site exterior and interior home inspections as of March 18, 2020.
  • Vehicle inspections in Florida, New Jersey and New York until April 30, 2020.
  • New Agency Audit Review requests as of April 1, 2020

Updated our signature requirements as follows:

  • Suspending required signatures for auto applications.
  • Providing an additional 30 days to obtain signatures for Electronic Funds Transfers, Recurring Credit Card payment plans, Named Driver Exclusion, Prior Carrier Verification and UM/UIM rejection forms.

Delivery Service:

  • We recognize that more people may be using their personal vehicles for delivery services. To best help you support your customers, here’s some details on how our auto policies typically address vehicles being used for delivery service.

You may learn more on Travelers COVID-19 website, which is being updated regularly.

Universal North America

Providing policyholders with a 60-day grace period to pay insurance premiums. For questions, please call 866-458-4262.