Due to the COVID‑19 pandemic, several of our personal insurance carrier partners have taken action to reduce costs for their customers and support those that are working to help their communities.

See below for information provided by these carriers about credits, refunds, and other policy updates.


  • No information released yet — we will update when more details are available.


  • Returning 15% of April and May personal auto premiums (still pending approval).
  • Placing a moratorium on cancellations and non-renewals through May 24, 2020 for premiums owing. This is not a waiver of premium; it is an extension of the grace period/due date.
  • Extending personal auto coverage to individuals delivering food from March 23, 2020 to June 1, 2020.


  • Offering clients a credit reflecting a 35% premium reduction for the months of April and May upon renewal, with additional discounts for subsequent months as the situation warrants.
  • Across Chubb’s portfolio, the average credit is expected to be $110 per vehicle. This credit will be applied automatically at renewal. All premium and rate adjustments are subject to regulatory approval.


  • Offering clients a 15% credit per policy on their April and May premiums, pending regulatory approval. No action is required to receive this credit.
  • Pausing cancellations due to nonpayment of premium and waiving late fees until at least April 30, 2020.
  • Waiving restrictions on policyholders performing delivery services in efforts to protect the wellbeing of their communities.


  • Returning 15% of April and May auto premiums to personal lines customers through The Hanover CARES Refund.
  • Offering flexibility on bill payment options for those experiencing financial hardship without any penalties and fees, including a 60-day hold on cancellations and non-renewals for non-payment.
  • Extending personal auto coverage to individuals delivering food, medicine, and other essential goods at no additional charge.
  • Considering a covered premises as “occupied” while mandatory closures are in effect, addressing concerns with vacancy clauses.
  • Waiving the limit on additional living expenses for homeowners who are forced from their homes following covered losses, such as a fire, to pay for delayed repairs and the added costs associated with temporary living arrangements.
  • Extending the number of rental car reimbursement days if an insured’s vehicle is in the shop and cannot be repaired or returned.


  • Still working on a premium relief plan — should have more details soon.
  • Extending an automatic grace period through May 31, 2020 to all policies for all states of operation.
  • Extending personal auto coverage to individuals delivering food at no additional cost for as long as these orders are in place due to COVID‑19 restaurant closures.
  • Completing audits virtually or by phone, with documentation uploaded through the website. Also may be providing 30-day extensions and waiving audit noncompliance assessment fees for workers’ compensation accounts.


  • Crediting 20% of April premiums to personal auto customers with a policy in force as of April 30, 2020 in May. Personal auto customers with a policy in force as of May 31, 2020 will be credited 20% of their May premiums in June. No action is required to receive this credit. 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. Customers will see it reflected in their accounts within a few weeks after month end.
  • Extending personal auto coverage to individuals delivering food at no additional cost through May 15, 2020.


  • Providing a 15% credit on all regular auto premiums for the period of time from the introduction of state stay-at-home orders until they are lifted. As the stays are lifted, these credits will be paid in cash or applied to reduce any outstanding balance due to PURE.
  • This credit will not be applied to classic cars, since premiums for classic cars already reflect the low-to-no mileage of these vehicles.


  • Offering personal auto insurance customers a 15% refund of two months of their annual auto premium as of April 7, 2020, pending regulatory approval. The refunds will begin in April and will be issued either by check or in the manner the customer made their most recent payment. No action is required to receive the refund; it will be automatically applied.
  • Automatically stopping late fee charges, and cancellations due to non-payment have been temporarily paused for personal auto and home customers from March 23 through at least May 22, 2020.
  • Expanding all personal auto policies to cover customers who use their personal vehicles to deliver food and medicine. Standard Safeco personal auto policies typically exclude such coverage. This additional protection is in effect for all personal auto policies in all states for losses occurring from March 16 to May 22, 2020, and reported by July 1, 2020.

All personal and commercial carriers, with the exception of Auto-Owners, have requested that our clients contact the carrier’s billing department directly to make payment arrangements. Auto-Owners has put a hold on all past due notices for all insureds.

At this time, a date for the aforementioned credits and refunds has yet to be determined, pending regulatory approval. We will continue to update this page as we receive further information.

If you have any questions regarding your specific carrier or insurance policy, please contact us online or call (248) 290‑0650. While the majority of our team is working remotely, we are not available for in-person meetings, but would be happy to assist with any needs that you have remotely during this time.