Welcome to The Cesar Group, Inc
WE ARE OPEN
As the situation regarding the novel coronavirus (COVID-19) across the country continues to change daily, we want to assure you that The Cesar Group, Inc. is undertaking actions to continue to service your insurance needs and to and address the safety of our employees and clients.
While we remain open during this time, we:
- have established strict guidelines for visitors to our building as we limit or avoid in-person meetings at this time.
- may have some employees working remotely
- may reduce and implement rotating teams for on-site work have discontinued all business-related travel, including conferences
Walk in payments we need it to be in check or money order NO CASH…. drop off in a sealed envelope with payment stub and we will process as normal
- You can also mail or call in payments to us or directly to your company for processing, information will be on your billing statement or hover over the RESOUCES TAB at the top of the page, you will see a payment and claim link, that has all our companies and their information for quick reference.
IMPORTANT UPDATE............For All Our Valued Insurance Customer,
A recent Executive Order issued by Governor Cuomo, together with recent amendments to the insurance and banking regulations (the “regulations”) issued by the New York State Department of Financial Services (“Department”), extend grace periods and give you other rights under certain property/casualty insurance policies if you are an individual or small business and can demonstrate financial hardship as a result of the novel coronavirus (“COVID?19”) pandemic (“affected policyholder”). These grace periods and rights are currently in effect but are temporary, though they may be extended further. Please check the Department’s website at https://www.dfs.ny.gov/consumers/coronavirus for updates.
If you are an individual, generally, personal lines property/casualty insurance policies are covered by these amendments, including auto, homeowners’ and renters’ insurance. If you are an individual and an affected policyholder, please contact your insurer or broker if you are uncertain whether your policy is covered.
If you are a small business, only certain types of commercial lines property/casualty insurance policies are covered by these amendments, generally including property, fire, commercial general liability, special multiperil, medical malpractice, workers’ compensation, commercial auto (including livery and other for-hire vehicles), and commercial umbrella insurance. The Department of Financial Services has confirmed to ELANY that the notice requirement does not apply to commercial excess line polcy and policy holders. A business qualifies as a “small business” if it is resident in New York State, is independently owned and operated, and employs 100 or fewer individuals. If you are a small business and an affected policyholder, please contact your insurer or broker if you are uncertain whether your policy is covered.
- A copy of the Executive Order and regulations can be found at https://www.governor.ny.gov/news/no-20213-continuing-temporary-suspension-and-modification-laws-relating-disaster-emergency and https://www.dfs.ny.gov/system/files/documents/2020/03/re_consolidated_amend_pt_405_27a_27c_new_216_text.pdf, and https://www.elany.org/f/2174, respectively.
1). Moratorium on Cancellation, Non-Renewal, and Conditional Renewal
If you are an affected policyholder, there is a moratorium on your insurer cancelling, non-renewing, or conditionally renewing your property/casualty insurance policy for a period of 60 days. If you do not make a timely premium payment and can demonstrate financial hardship as a result of the COVID-19 pandemic, your insurer may not impose any late fees relating to the premium payment or report you to a credit reporting agency or a debt collection agency regarding such premium payment. THE DFS HAS CONFIRMED TO ELANY THAT THE NOTICE REQUIREMENT DOES NOT APPLY TO COMMERCIAL EXCESS LINE POLICIES AND POLICYHOLDERS.
2). Catching up on Overdue Insurance Payments
The regulations also require your insurer to permit you, as an affected policyholder, to pay the overdue premium over a 12-month period if you did not make a timely premium payment due to financial hardship as a result of the COVID-19 pandemic and can still demonstrate financial hardship as a result of the COVID-19 pandemic. This also applies if the insurer sent you a nonpayment cancellation notice prior to March 29, 2020.THE DFS HAS CONFIRMED TO ELANY THAT THE NOTICE REQUIREMENT DOES NOT APPLY TO COMMERCIAL EXCESS LINE POLICIES AND POLICYHOLDERS.
3). Policies Financed by Premium Finance Agencies – Grace Period
If your insurance policy has been financed through a premium finance agency, and you, as an affected policyholder, do not make an installment payment, the premium finance agency may not cancel your policy for a period of at least 60 days, including any contractual grace period, and subject to the safety and soundness of the premium finance agency. In addition, if you do not make a timely installment payment to the premium finance agency, the premium finance agency must extend the due date for the installment payment by at least 60 days, may not impose any late fees relating to that installment payment, and may not report you to a credit reporting agency or a debt collection agency regarding that installment payment. THE DFS HAS CONFIRMED TO ELANY THAT THE PREMIUM FINANCE REQUIREMENTS OF THE REGULATION DO NOT APPLY TO TRANSACTIONS REGARDING COMMERCIAL EXCESS LINE POLICIES AND POLICYHOLDERS.
4). Catching up on Overdue Payments to Premium Finance Agencies
If you, as an affected policyholder, do not make a timely installment payment to the premium finance agency due to financial hardship as a result of the COVID-19 pandemic, the premium finance agency must permit you to pay the installment payment over a 12-month period if you can still demonstrate financial hardship as a result of the COVID-19 pandemic, subject to the safety and soundness of the premium finance agency. This also applies if the premium finance agency issued a non-payment cancellation notice prior to March 29, 2020.THE DFS HAS CONFIRMED TO ELANY THAT THE PREMIUM FINANCE REQUIREMENTS OF THE REGULATION DO NOT APPLY TO TRANSACTIONS REGARDING COMMERCIAL EXCESS LINE POLICIES AND POLICYHOLDERS.
5). How to Demonstrate Financial Hardship
If you, as an affected policyholder, are unable to make a timely premium payment due to financial hardship as a result of the COVID-19 pandemic, you may submit to your insurer or premium finance agency, as applicable, a statement that you swear or affirm in writing under penalty of perjury that you are experiencing financial hardship as a result of the COVID-19 pandemic, which the insurer or premium finance agency, as applicable, shall accept as satisfactory proof. Such statement is not required to be notarized.
If you have any questions regarding your rights under the Executive Order or regulations, please contact your insurer/insurance company, agent, broker, or premium finance agency.
THANK YOU FOR YOUR BUSINESS, PLEASE BE SAFE AND FOLLOW THE APPROPRIATE PRECAUTIONS TO HELP MINIMIZE POSSIBILITY OF CONTRACTING COVID-19.
The Cesar Group, Inc.......Since 1955 we have been a Family Owned & Operated Independent Insurance Agency . As an independent agency we represent over 35 of some of the BEST insurance companies which enables us the ability to shop your insurance coverage and pricing. Let us help you save money online quick quotes.
We service the Buffalo area and throughout the state of New York. At The Cesar Group, Inc, each one of our clients are given a Client Relations Associate, part of a dedicated team that works together to address the concerns or questions you may have.
We offer all types of Personal Insurance coverages to our clients in New York including Auto Insurance, Homeowners Insurance, Boat & Watercraft, Collector Car, and Condo Insurance.
Give us a call and let us go to work for you on your Business Insurance. Some of our Commercial insurance coverages include Farm & Ranch, Apartment Building Owners, Bonds, Builders Risk, and Business Owners Policy (BOP).
Let us help you cut your insurance cost! Just give us a quick call today at 716-626-0066 or Submit one of our quick online quote forms - with over 60 Years in Business and access to some of the most trusted insurance companies; we conveniently offer an entire solution for all your personal and business insurance needs.
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