We are committed and prepared to serve our policyholders, independent agents, employees and communities during the global COVID-19 pandemic. Here is a summary of some of the steps we’re taking to help. We’ll continue evaluating and adjusting to make sure those counting on us have the protection and support they need as we navigate these uncertain times together.

Premium Relief – Personal Auto Customers

  • Pending Insurance Department approvals, customers with a personal auto policy as of March 31 will receive a $50 relief payment per eligible vehicle from Main Street America Insurance (excludes New York customers).

  • In New York, Main Street America Insurance will be providing a 15% premium relief credit for customers with a personal auto policy as of May 31 for the months of July, August and September. We’ll provide a refund to any customer who has already paid their policy in full.

Premium Relief – Business Customers

  • Main Street America Insurance business customer relief fund will give policyholders as of March 31 a 20% premium credit for April and May on Business Owners and Contractors policies (excludes New Jersey and New York). 

  • In New Jersey, we will be providing Business Owners, Contractors, Commercial Auto and Commercial Umbrella customers a 20% premium credit for March, April, May and June.

  • In New York, we will be providing Business Owners and Contractor customers as of May 31 a 20% premium credit for May and June.

Payment Leniency

  • For states where the department of insurance has mandated actions, state-specific payment extension and cancellation options apply.

  • Payment deferment does not represent a period of free coverage. Normal billing cycle procedures resume July 1, 2020 unless state orders are in effect mandating certain payment extension periods. Deferred balances due will be spread over the remaining policy term. 

  • Contact your independent insurance agent for information regarding payment and billing suspension options in your state.

Coverage Extensions

  • We are temporarily offering our restaurant customers hired and non-owned auto coverage for food delivery during the COVID-19 emergency period.

Community Support

  • Our relief efforts also extend to individuals, families and businesses in communities where we operate. Through our NGM Charitable Foundation and Employee Matching Gift program, we are providing funds to support relief efforts for those facing financial uncertainty and other needs. Our efforts support those of the American Family Insurance group of companies, who have pledged $4 million in support of pandemic relief and other nonprofit efforts.

If you have been financially impacted by the coronavirus (COVID-19), and have additional questions about late payments, fees, cancellations, non-renewals or other payment concerns, we encourage you to discuss your options with your independent insurance agent.

State-Specific Notices