We stand true to our word.

As we all do our part to slow the spread of COVID-19,

Patriot Insurance is here to serve.

Patriot Insurance is committed to addressing the insurance needs of our policyholders. During the coronavirus (COVID-19) pandemic, as an essential business, we will continue to operate remotely throughout the crisis. If you have to file a claim, update your insurance or ask questions, we are here to serve you – you have our word. We can be reached by phone, email and Facebook.

Payment Relief

Personal auto premium refund program

With shelter-in-place and stay-at-home orders in effect, we recognize people are driving less – and the risk of accidents is less, too. For these reasons, we will be providing a 15% refund for April and May premiums to our personal auto policyholders or a minimum refund of $20, whichever amount is greater. As we continue to strive to do what is right for our policyholders during the COVID-19 crisis, learn about our personal auto premium refund program here.

Pause on policy cancellation for nonpayment

To provide peace of mind to policyholders who are facing financial challenges, we have extended an automatic grace period through Monday, June 15, 2020, to all policies, for all our states of operation.

Your health and safety are important to us, and we are all in this together. If you are unable to pay your premium due to COVID-19, late fees are waived, and your policy will not be canceled for nonpayment. On May 31, 2020, a “pending cancellation” notice will alert you to the amount of premium due and will provide a new due date based on the rules in your state (typically 15 days).

Extended Coverage and Accommodations

Commercial Premium Audit Accommodations

Throughout the COVID-19 pandemic, there has been a serious concern among businesses about how furloughed employee payroll will impact their premium audit. Patriot Insurance will not charge premium for furlough payroll on any commercial general liability or workers’ compensation audit while employees are not performing work for the business and are not present on the business premises.

Additionally, we will continue to work with policyholders to extend accommodations as needed for premium audits that are due during the crisis. Audits may be completed virtually or by phone, with documentation uploaded through our website. We also may provide 30-day extensions and waive audit noncompliance assessment fees for workers’ compensation accounts.

We are here to provide information and support commercial premium audit accommodations during these challenging times. If your business needs premium audit accommodations, please contact our Premium Audit Team at claudit@fmins.com or (866) 460-1776 ext. 4013.

Coverage for Temporary Delivery Drivers

As many restaurants and other food establishments adhere to the public health emergency orders to offer meals only for take-out and delivery, some employees may use their personal vehicles to make deliveries, which can increase risks and liabilities for both the driver and business.

To protect drivers whose personal auto insurance would not normally extend to an accident that occurs while serving as a delivery driver, Patriot Insurance will extend coverage on a temporary basis to our personal auto policyholders. It will be extended at no cost for only as long as these orders remain in effect due to COVID-19.

To protect businesses from auto liability losses stemming from accidents involving these employees, commercial policyholders may request hired and non-owned auto (HNOA) liability coverage from Patriot Insurance if they don’t already have this coverage on a commercial auto policy. This coverage will be offered on a temporary basis at no additional cost to policyholders. Please contact your independent insurance agent to request HNOA liability coverage. The coverage will be effective upon the date of the request and will remain in effect until 14 days after the state’s executive order allows the business to resume normal operations.

Commercial Auto Layup Requests

For policyholders not using commercial vehicles during this time, one way to reduce the level of commercial auto coverage is through a “layup” request. We can place a covered vehicle on layup, meaning the vehicle is in storage and not in use.

Please contact your independent agent for more information or to adjust your current policy.

Business Exposure Accommodations

As we navigate these challenging times together, if your business is closed, Patriot Insurance will consider a reduction in exposures on the policy. Please contact your independent agent to review your specific case.

More ways to manage your account

To our policyholders and agents during COVID19

Policyholders are able to conduct business with us as usual by phone, our website and mobile app to:

Please note that while we have taken steps to handle increased call volumes, we ask for your patience as phone hold times may increase.

Additional resources

Just like you, we are working hard to follow the national guidelines for safe practices in our business and homes. We are taking appropriate steps to keep employees healthy and safe – especially asking nearly all employees to work from home and follow social distancing guidelines. For the remaining employees in the office, we are carefully cleaning and sanitizing the building, helping them maintain appropriate distance from one another and getting them back home as soon as possible each day. We have gathered additional resources that may be helpful during this time.

CDC COVID-19 Updates

View the Centers for Disease Control and Prevention guidance on COVID-19 here.

WhiteHouse.gov Guidelines

Review the President’s Coronavirus Guidelines for America here.

For additional information, please visit coronavirus.gov.

U.S. SBA Resources for Small Businesses

The U.S. Small Business Administration is offering guidance and loan resources for small businesses affected by COVID-19.

For additional information, please view here.

Scam Alerts

As you might imagine, online security is vitally important for Frankenmuth Insurance. And we’ve all seen plenty of new scams in the last few weeks. So we tapped our cyber security experts for resources on how to avoid scams:

  • The National Cyber Security Alliance, a public/private partnership that focuses on privacy and security, provides a free StaySafeOnline library of information on current scams, cyber threats, remote work, disaster relief and more. View their COVID-19 resource library here.
  • The Federal Trade Commission provides information on how to spot scams that are coming in by phone, text, email and social media trying to convince people they can help get their stimulus check faster. View the FTC’s report here.
  • Additional tips from the FTC on how to avoid coronavirus scams can be found here.