Adirondack Mountain Photo courtesy of Brian Lansing
Insurance for everyday and life adventures
Thank you everyone for your cooperation & understanding this year with the COVID-19 Pandemic. We continue to be open for business and policy service and are happy to help any way we can.
With all that is going on Outdoor activates are really important this year. Snowmobiling, fishing, skiing, hiking, biking, camping, all forms of outdoor recreation are great winter activities. We hope everyone enjoys all New York has to offer in the summer. Please call to make sure your activates have the right insurance 315-437-5191.
CORONA VIRUS / COVID-19 INFORMATION
NOTICE PURSUANT TO AMENDED 11 N.Y.C.R.R. 229.5
Dear Insurance Customer,
We hope that this message finds you and those around you safe and healthy.
These are difficult times. The New York Legislature and Department of Financial Services have been implementing emergency measures in an effort to protect insurance policyholders who have been hit with financial hardship because of the COVID-19 pandemic. Regulations they enacted include: the waiver of late fees; the prohibition on reporting negative data to credit reporting agencies; and the repayment of late premiums over a 12-month period. Please note, this is not a waver and you will still need to pay over time on top of the regular future premiums so please only use this if necessary.
If you have been impacted by this pandemic, this means help may be available. We at the agency can’t make the arrangements for you but each insurance company has set up a phone number to call to discuss this option. That number is available on their website or by call this agency.
- If you can demonstrate that you’re unable to make a timely premium payment due to financial hardship because of the COVID-19 pandemic, you may pay such premium over a 12-month period.
- If your policy is financed through a premium finance agency, they must provide a grace period before cancelling your policy for late payment of an installment if you can demonstrate financial hardship because of the COVID-19 pandemic. This grace period will be 60 days for a property/casualty policy; 90 days for a life insurance policy. You will be given a 12-month period to pay the missed installment, and the premium finance agency may not impose late fees or report you to any credit reporting agency or debt collector because of that installment.
You may prove hardship by submitting a written attestation to the insurance company or premium finance agency regarding your financial hardship resulting from the COVID-19 pandemic. The full text of the relevant regulations can be read here: https://www.biginy.org/nysdfs.
If you have any questions about this or your policy, don’t hesitate to contact our team. We’re proud to continue helping you protect what matters most.