A message from Grange Insurance CEO and President John Ammendola

Updated May 19, 2020:

I’m proud to announce that Grange Insurance company is contributing $1 million to local nonprofits to support health and human services response efforts to the COVID-19 pandemic.

As our communities continue to be impacted by this pandemic, our nonprofit organizations need our support now more than ever as the demand grows for critical basic services like food, shelter, and physical and mental health and safety. Grange has long been dedicated to serving its local communities through its partnerships with nonprofit organizations. Providing this additional support in a time of urgent need is the right thing to do to help lift up our impacted neighbors.

Being here for our associates, agents, customers and communities is what matters most. We’re proud of the support we’ve been able to offer our policyholders, including:

  • Personal auto policyholders received a 25% payback for the months of April and May. We estimate the total credit impact to be up to $25 million throughout the 13 states in which our enterprise operates.
  • Our business customers that have a Businessowners Policy (BOP) received a 20% payback for the months of April and May as well.
  • Policyholders directly impacted by the circumstances surrounding COVID-19 were offered a grace period to pay premium.
  • We temporarily adjusted our coverages for both restaurant commercial clients and restaurant employees who have personal auto coverage with us.

During these uncertain times we are committed to providing our policyholders and communities with the same excellent service and support you’ve come to expect – and we thank you for putting your trust in us.

John Ammendola
President & CEO

 

Our COVID-19 Response

While these times can feel anything but ordinary, as always, our agents and policyholders can depend on Grange to provide peace of mind and protection during life’s unexpected events.

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Latest Updates

Grange donates $1 million for COVID-19 support

Grange Insurance Company is contributing $1 million to local nonprofits to support health and human services response efforts to the COVID-19 pandemic.

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Support for businesses due to COVID-19

To support our commercial restaurant clients as well as businesses that have vacated their location, we have adjusted our coverages temporarily.

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Support for customers affected by COVID-19

Temporary restaurant delivery coverage adjustment
To support our personal auto policyholders who work in the restaurant industry, we have adjusted our coverage around delivery services.

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COVID-19 non-payment cancellation suspension
To support our policyholders affected by COVID-19, we are temporarily suspending cancellations of policies due to nonpayment of premium.

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Frequently Asked Questions
When does the suspension start?

Grange is suspending policy cancellations due to unpaid premium beginning March 18, 2020. Suspensions will end at 11:59 p.m. EDT on June 12, 2020.

How does the suspension work?

You will continue to receive invoices that include any amounts due. While we will continue to send you invoices, we will not cancel your policy, send late payment notices or charge late fees if you miss a payment. If you’re enrolled in Easy Pay EFT and have automatic payments set up, the automated withdrawal will continue to process as normal.
Please note that the suspension is not a waiver of premium, but an extension or grace period for you to make a payment. Once the suspension ends on June 12, 2020, you will be billed for any premium due that has been unpaid as well as the current minimum amount due.

Can I set up a payment arrangement to spread out the amount due?

Yes. We’re providing customers the option to spread the amount due over a period up to 3 months. We want to ensure that our customers in need do not suffer further hardship, so we will provide additional assistance on a case-by-case, as-needed basis. Please contact your independent agent to set up a payment arrangement or address additional concerns.

Will I be charged a late fee if I set up a payment arrangement?

No. Late fees will not be applied if you request payment arrangements.

If I currently make Easy Pay EFT automatic payments, how do I stop them? How do I restart those payments?

To cancel EasyPay EFT payments altogether (recurring automatic withdrawal from a bank account), you have several options:

Immediate requests to have the automatic payment suspended or removed will be honored and processed as quickly as possible. Please note that two business days prior to the automatic withdrawal are required to prevent a withdrawal.
To re-enroll in Easy Pay EFT when the suspension ends, you will need to request re-enrollment in EFT and complete the appropriate authorization form. Your agent can also help you complete this request. The policy must be paid current to be eligible to re-enroll.

If a payment is not received or if I request to temporarily suspend an EFT withdrawal, what happens when the suspension is no longer in effect?

If you’re enrolled in Easy Pay (EFT) and have suspended payments, any amounts previously billed that were not paid, in addition to the current minimum premium due, will be automatically deducted from your account when the moratorium ends on June 12, 2020. However, you can set up a payment arrangement to spread out the amount over a period of up to 3 months. Please reach out to your independent agent for assistance.


FAQ: 25% personal auto premium payback
We will be providing a 25% personal auto premium payback for the months of April and May to all personal auto clients.

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Frequently Asked Questions
Is Grange offering customers any sort of payback regarding personal auto premium?

Yes, we will be returning a portion of premium to personal auto policyholders in the form of a 25% payback for the months of April and May based upon the premium that was in effect at the end of March. With the recent shelter-in-place orders from state governors, people are driving less and in turn, having less auto claims. This allows us to give back to our customers during this difficult time.

Will all personal auto customers receive the 25% payback?

Yes, all Grange Insurance personal auto customers who have policies in force between April 1, 2020, and May 31, 2020 will receive paybacks.

What do I need to do to receive the payback?

Nothing. The 25% payback will be granted automatically without any action from you or your agent.

How and when will I receive the payback?

Your payback check will be mailed to your billing address. Most policyholder checks will be mailed in May. If you became a new policyholder with us in April or May, your check will be mailed in June.

If I already paid in full, will I still receive the payback?

Yes, we will issue a payback to all personal auto customers, including those who have paid in full.

What if my auto policy ends in April, or starts in May? Do I still get the payback?

Yes. Customers active any time between April 1, 2020, and May 31, 2020 will get 25% of their premium for that month back based upon the premium that was in effect at the end of March.

Does the payback apply to new business customers?

Yes. New business policies that are effective in the months of April or May will qualify for the same 25% payback as current Grange customers. Payback amounts will be based upon the length of time your policy was in effect during the period of April and May. For example, if you purchased a new business policy on May 1, you would be eligible for 25% payback on your May premium. If you purchased a policy on April 1, you would be eligible for 25% payback on both your April and May premiums.

How was my 25% payback calculated?

For current customers, payback was estimated based on your premium in effect as of March 31, 2020. The amount is approximately 25% of your estimated premium for the months of April and May.

If shelter-in-place orders extend past May, will I continue to receive auto premium paybacks?

We’re continuing to monitor the circumstances surrounding COVID-19. While we aren’t certain of how long this health crisis will continue, we will remain flexible as the situation evolves.

Does this payback only apply to April and May premium?

Yes. The current refund period only covers April and May. We will continue to evaluate the situation and issue communications if the situation changes.

I recently received my bill. What amount should I pay?

Please pay the minimum amount due or any amount up to the remaining balance due on your policy. You will receive your payback check separately. The payback is being processed outside of our premium billing system & process and will not be reflected on any bill or policy.

I took advantage of your temporary non-cancellation policy and did not pay my most recent bill. Will I still receive the payback?

Yes. All customers with active personal auto policies (not applicable to motorcycle and miscellaneous auto policies) in effect will receive a payback check.

What happens if I am unable to pay my April or May bill? Will I still get the 25% payback for April and May?

Yes. Customers who are unable to pay their premium in April or May on time will still get their paybacks. The payback does not impact your billing cycle (also note the temporary non-cancellation policy.)


FAQ: Identify Theft and Fraud Support Services
We have partnered with CyberScout, a provider of full-spectrum identity, privacy and security services, to ensure our eligible policyholders and now their extended family members have access to identity theft and fraud remediation services at no additional charge through August 2020.

 

Frequently Asked Questions
Who is eligible?

An eligible policyholder is a policyholder who currently has a Grange Home or Auto policy with the Identity Theft endorsement.

Who qualifies as an extended family member?

Extended family members of an eligible policyholder are family members outside of the policyholder’s home*, including:

  • Adult children (26 or older), their spouse and their children
  • Parents, including stepparents and legally adoptive parents
  • Siblings, including stepbrothers and stepsisters and adoptive siblings

Extended family members must reside in the United States of America.
*Family members who reside with an eligible policyholder already have access to these services

Do I need to list any of my extended family ahead of time?

No. When an extended family member contacts CyberScout for assistance, he/she will be asked to provide the Grange Insurance policyholder name for confirmation.

What identify remediation services are included?

These identity remediation services include, but are not limited to, identity remediation assistance for family members who are victims of:

  • Tax ID Theft
  • Medical ID Theft
  • Employment Identity Theft Support
  • Debt Tagging
  • Account Takeover

What assistance will family members of eligible policyholders receive?
  • Access to Personal Fraud Specialist
  • Placement of Fraud Alerts
  • Assistance Filing Police Report
  • Fraud Victim Affidavit
  • Creation of a Comprehensive Case File
  • Active Post Fraud Follow-Up
What should agents and customers do if immediate family members of the policyholder or extended family suspects their identity has been stolen?

Your independent insurance agent does not need to do anything.
Current Grange policyholders and their immediate family members that suspect their identity has been stolen can log in to their MyGrange account to report a claim or call 800-445-3030.
Extended family members can call 866-860-1535 or visit CyberScout.com for assistance.


Support for Business Owners due to COVID-19

To support our business owner clients, we will be returning a portion of premium to customers with BOP policies in the form of a 20% payback for the months of April and May based upon the premium that was in effect at the end of March.

Read more


Frequently Asked Questions
Is Grange offering customers any sort of payback regarding its businessowners policy (BOP) customers?

Yes, we will be returning a portion of premium to customers with BOP policies in the form of a 20% payback, or a $25 minimum per month, for the months of April and May based upon the premium that was in effect at the end of March. As a result, all BOP customers will be receiving a check for a minimum of $50 total. We understand the current health crisis has impacted our small business policyholders and this allows us to give back to those customers during this difficult time.

Will all businessowners policy (BOP) customers receive the 20% payback or $50 minimum payment?

Yes, all Grange Insurance BOP policyholders who have policies in force between April 1, 2020, and May 31, 2020 will receive paybacks.

Why are only BOP policyholders and not Contractors/Tradesmen or Package policyholders eligible for the payback?

Brick-and-mortar small business storefronts are the businesses being impacted the most across the country by this pandemic, and due to lower risk for accidents and property damage at their locations, deserve a premium payback. Our BOP product has limited ability to be adjusted to reflect reductions in exposure and to generate premium relief, therefore we are offering this premium payback in BOP only.

What do I need to do to receive the payback?

Nothing. The payback will be granted automatically without any action from you or your agent.

How and when will I receive the payback?

Your payback check will be mailed to your billing address. Most policyholders will receive their check in May. If you are a new policyholder with a policy that became active in April or May, your check will be mailed in June.

If I already paid in full, will I still receive the payback?

Yes, we will issue a payback to all BOP customers, including those who have paid in full.

What if my policy renews in April or May? Do I still get the payback?

Yes. Customers active any time between April 1, 2020, and May 31, 2020 will get 20% of their premium for that month back based upon the premium that was in effect at the end of March.

Does the payback apply to new business customers?

Yes. New business policies that are effective in the months of April or May will qualify for the same 20% payback as current Grange customers. Payback amounts will be based upon the length of time your policy was in effect during the period of April and May. For example, if you purchased a new business policy on May 1, you would be eligible for 20% payback on your May premium. If you purchased a policy on April 1, you would be eligible for 20% payback on both your April and May premiums.

How was my 20% payback calculated?

For current customers, the payback was estimated based on your premium in effect as of March 31, 2020. The amount is approximately 20% of your estimated premium for the months of April and May.

If shelter-in-place orders extend past May, will I continue to receive premium payback?

We’re continuing to monitor the circumstances surrounding COVID-19. While we aren’t certain of how long this health crisis will continue, we will remain flexible as the situation evolves.

Does this payback only apply to April and May premiums?

Yes. The current payback period only covers premiums related to coverage offered for April and May. We will continue to evaluate the situation and issue communications if the situation changes.

I recently received my bill. What amount should I pay?

Please pay the minimum amount due or any amount up to the remaining balance due on your policy. You will receive your payback check separately.

I took advantage of your temporary non-cancellation policy and did not pay my most recent bill. Will I still receive the payback?

Yes. All customers with active BOP policies will receive a payback check.

What happens if I am unable to pay my April or May bill? Will I still get the 20% payback for April and May?

Yes. Customers who are unable to pay their premium in April or May will still get their paybacks. We are currently evaluating the best process for you to pay the premium that you owe and will let you know the logistics as soon as possible. The payback does not impact your billing cycle (also note the temporary non-cancellation policy.)


Faster service – access your account online

We’re currently experiencing high call volume in our Customer Care Center. The fastest and most convenient way to access your insurance information is online through your MyGrange account or the Grange mobile app.

From the comfort of your own home you can take control of your insurance online and:

Log in to your account


Coronavirus resources

Stay up to date on how to protect yourself or your business during the COVID-19 outbreak.

Centers for Disease Control and Prevention
Coronavirus (COVID-19) 


Business resources

Small Business Association Loan Guide
OSHA guide to prepare for COVID-19
Prevent Virus Disruption at Work