Receive a Complimentary Insurance Review Call: NY: (914) 693-3500CT: (860) 799-0044

Covid-19 (Coronavirus)
Covid-19 (Coronavirus)

Big I


Update - Important News From The Big I: New York Gov. Andrew Cuomo has again extended an order that prohibits insurance carriers from terminating some policies and requires them to be lenient with policyholders suffering financially from the COVID-19 pandemic. The requirements, which were scheduled to expire on June 6, will remain in place until June 28thClick here to learn more.


United Healthcare


United Healthcare has developed an informational document on Covid19. It goes into detail on the illness, guidance, testing, virtual visits, treatment, coverages and so much more!


Download the packet here


Travelers Extends Relief Plan

Effective immediately, Travelers is extending their billing relief plan through June 15, 2020. The details of the plan remain the same: Cancellation and nonrenewal of coverage due to nonpayment have been suspended, and no interest, late fees or penalties will be charged during this period.


Merchants Insurance Group Relief Plan

15% COVID-19 Relief Payment: NY for Personal Automobile, Commercial Automobile, and MAP® Businessowners policies (This does not include MAP® Auto Repair and MAP® Contractor policies)


  • To receive the 15% payment for the month of May, the policy(s) must be active on April 30th.  To receive the 15% payment for the month of June, the policy(s) must be active on May 31st.

  • The COVID-19 Relief payment will automatically be applied to the policyholder’s insurance billing invoice. Please note, the minimum payment applied will be $10.

  • If the policy(s) are either paid in full, or the policy(s) are no longer active, Merchants will issue a check to the policyholder within 30 days.


Merchants Insurance Group is extending their non-payment cancellations June 1, 2020. They will also waive late fees.


Auto: Some policyholders could still receive a notice that photo inspections are required. Please advise these policyholders that physical damage coverage will not be suspended if the inspection is not completed.


Exposure Adjustments: We will accept midterm policy endorsements for policyholders with variable exposures that may be reduced during this public health crisis. The exposure reduction should be consistent with the expected reduction in their operations. Importantly, once business resumes, exposures will need to be reevaluated.


Workers' Compensation Assessment fees are no longer paid up front. They will be now be evenly collected during the policy term. Policyholders can change thier payroll status to seasonal to eliminate the needs to report zero payrolls.



Premium Auto Credit

Most people are staying at home which means there are fewer people driving and less accidents, resulting in a decrease in auto claims. With this in mind, many of the auto insurance providers have launched a Auto Premium Credit Program, which will automatically give U.S. personal auto insurance customers a 15% credit on their April and May premiums. It’s their way of supporting their customers, and they hope it helps ease some of the financial burden many are experiencing. Click here to learn more


  • Update - Preferred Mutual: We know that many of your customers are doing their part to help slow the spread of COVID-19 by staying at home. In an effort to support our mutual customers in New York, we have implemented the Stay Home, Stay Assured Auto Program. Checks for the 15% credit of May and June premiums will be issued to policyholders who had an active, personal auto policy as of April 30, 2020. Customers can expect to receive their Program checks over the next two weeks.


We Support This Initiative To Help Small Business & Employees


Earlier this week, the Big “I” joined a range of business trade associations in sending a letter to the administration and congressional leaders of both parties seeking their support for a new federal proposal to further assist with the nation’s economic recovery. This proposed new relief program would provide liquidity to businesses to maintain their viability and ability to compensate employees. Click here to read the full article.


As an independent insurance agency MVR (McCartney, Verrino & Rosenberry) Insurance Agency, we support this initiative from the Big “I” and our Federal Government to protect small businesses and employees. We are proud to be an independent agents. More details to follow.


Nat Gen Flood and FEMA


On April 2, 2020, the Federal Emergency Management Agency (FEMA) provided additional guidance related to Underwriting and Claims handling during the COVID-19 outbreak. To protect the health and safety of policyholders and industry professionals, FEMA has provided the following updated guidelines, which are summarized for Underwriting & Remote Claim Adjusting - Click here to learn more


Disaster Assistance & Small Business Loans


The U.S. Small Business Administration is offering designated states and territories low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19). Visit: to learn more.


Payroll Protection Program


The Paycheck Protection Program is designed to provide a direct incentive for small businesses to keep their workers on payroll by providing each small business a loan up to $10 million for payroll and certain other expenses. 


If all employees are kept on payroll for eight weeks, SBA will forgive the portion of the loans used for payroll, rent, mortgage interest, or utilities. Up to 100 percent of the loan is forgivable. Click here to learn more.


Covid-19 & Statutory Disability & Family Leave Coverage

How is COVID-19 quarantine defined under the NY law? Under what circumstances does a quarantine qualify for benefits under this act? Until the Federal program (“Families First Coronavirus Response Act”) becomes effective in April, NY State is helping fill the void on the State level for employees who can’t work while under quarantine.


Workers Compensation


What makes an illness an “occupational illness” and compensable under workers’ compensation? More specifically, how does workers’ compensation respond to the latest viral panic, the Coronavirus? Click here to learn more.

Apple & CDC Team Up

Apple and the CDC released an app and website that guides Americans through a series of questions about their health and exposure to determine if they should seek care for COVID-19 symptoms.


The tool provides CDC recommendations on next steps including guidance on social distancing and self-isolating, how to closely monitor symptoms, recommendations on testing, and when to contact a medical provider. To learn more visit: The latest recommendations can be found at