Important Hardship Relief Information

Dear Valued Insurance Customer,


We hope that this message finds you and your family safe and healthy. Please read this important relief information below about your insurance policies.

Note that Mitchell-Joseph Insurance Agency is open regular hours at all of our locations but you cannot enter our offices due to the Covid Virus. We can offer quotes, take payments, make policy changes & provide ID cards via phone, mail and e-mail. Just call us if you need anything! We're glad to help! Honeoye Falls: (585) 624-2180      Naples: (585) 374-2629     Rushville: (585) 554-4086

We know 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.

If you have been impacted by this pandemic, this means help may be available.

• 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:

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.

Thanks so much for your continued trust in Mitchell-Joseph Insurance to take care of your insurance needs.  Stay safe!