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

While shelter-in-place and stay-at-home orders were in effect, we recognized people were driving less – and the risk of accidents was less, too. For these reasons, we provided a 15% refund for April and May premiums to our personal auto policyholders or a minimum refund of $20, whichever amount was greater. Discover more about our personal auto premium refund program.

Pause on policy cancellation for nonpayment

To provide peace of mind to policyholders who were facing financial challenges, we 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 have questions about paying your premium during COVID-19, please contact us.

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.

The White House and CDC COVID-19 Updates

To view The White House and Centers for Disease Control and Prevention guidance on COVID-19, 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 lately. So we tapped our cybersecurity experts for resources:

  • 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 also provides information on how to avoid coronavirus scams. Find tips from the FTC here.
Identity Theft Resolution Services

With unemployment fraud, stolen devices and scams exploiting the coronavirus (COVID-19) on the rise, protecting your personal information has never been more important.

That’s why we want to remind our home and auto policyholders of the free identity theft prevention and resolution services available through CyberScout®, our identity protection partner.

CyberScout allows you to be on the offensive, rather than just the defensive, when it comes to protecting your identity. If your personal information has been exposed, CyberScout is equipped to help. From working with a dedicated fraud support specialist to receiving a free full year of credit monitoring services after a breach, you’ll get the help you need to overcome cybercrime.

Discover more about how CyberScout can help. If you are a home or auto policyholder and need to talk to a fraud specialist, call (866) 460-1776.