Motorcycle Insurance 101

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A Complete Guide to Motorcycle Insurance

If you have owned a motorcycle for a while or recently purchased a new one, you may have several insurance questions regarding your vehicle. Do you know what motorcycle insurance will cover, and the financial risks you possibly face in the event of an accident? Here are the top facts on why you should financially protect yourself with motorcycle insurance.

What is Motorcycle Insurance?

Motorcycle insurance provides coverage for motorcycles, choppers, fast street bikes, mopeds, and even Segways. In the event of a motorcycle accident, loss, damage, or theft, motorcycle insurance will provide you with financial protection. Liability coverage is covered under the insurance plan if you are responsible for another person’s injuries or damage to their property.

How Does Motorcycle Insurance Work?

Similar to how car insurance works, motorcycle insurance nearly mirrors it. Your liability coverage will cover some of the legal costs if an injured party files a lawsuit against you. If the claim amount’s value is beyond what your policy covers, you will be responsible for any out of pocket costs for the parties’ injuries or damages. Depending on the coverages in your policy, it may cover medical or hospital costs for you or your passengers on the bike.

How Much Motorcycle Insurance Do I Need?

What type of bike you own and how you plan to use it will help guide the amount of insurance you need. Any biker who possesses a high horsepower to weight ratio bike has a greater risk of serious injury to themselves and a higher potential for accidents, which causes damage to others. If you fall into this category, it will be a good idea to increase your motorcycle liability insurance.

How Much Does Motorcycle Insurance Cost?

The cost of motorcycle insurance is based on many factors, including what type of bike you own, how old the bike is, your driving record, and the engine’s size, and others. Motorcycle insurance can seem more expensive compared to car insurance. Some reasons for these higher rates are:

  • Motorcycles are more difficult to see on the roadway and in blind spots.
  • Crashes on a motorcycle usually result in a higher incidence of severe or fatal injuries due to little protection while the rider is on the bike.
  • Easier to steal, particularly sport bikes due to their weight.
  • Stolen motorcycles are harder to recover due to their parts being sold by thieves. Once stolen, they can be stripped down, rebuilt, and sold.

Is Motorcycle Insurance Required?

The precise amount of motorcycle insurance required varies from state-to-state. Knowing how your state operates is crucial to learning the costs of personal injury coverage and property damage coverage. New Jersey, for instance, requires motorcycle insurance. All motorcyclists are required to have the following minimum coverages:

  • $15,000 for bodily injury per person
  • $30,000 for total bodily injury per accident
  • $5,000 for property damage

These are the state-mandated minimum levels of liability coverage, though we recommend that you have higher limits to protect yourself in the event of a lawsuit.

Why is Motorcycle Insurance Important?

Motorcycle insurance is essential to protect yourself, others, and your bike. It is vital to get yourself covered if you plan to own a motorcycle, especially in you live in New Jersey – one of the more densely populated states in the country.

If you’re looking to purchase motorcycle insurance, the best place to find your plan is with Schechner Lifson. We are an independent agency that can help you get the best policy at a price that matches your budget. Contact us today!

What is Ocean Marine Insurance?

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How Ocean Marine Insurance Can Protect Your Business

Sailing the high seas may not be as dangerous as it once was, but it still poses a risk to your maritime business. Ocean marine insurance can serve as the foundation for your comprehensive business continuity strategy. If you source raw materials, distribute foreign manufactured goods, or sell goods overseas, having your business operations insured is crucial.

What is Ocean Marine Insurance?

Ocean marine insurance is designed to protect merchandise, goods, workers, passengers, and crews aboard shipping vessels and cargo storage during marine transport domestically or abroad. Business industries that fall into the category of ocean marine insurance include manufacturing, distribution, communication, energy, construction, and maritime.

Why You Need Ocean Marine Insurance

An important reason you need ocean marine insurance is to protect goods crossing international borders, including foreign or domestic overland transport connected to ocean shipment. Risks often arise when traveling the high seas with weather events such as hurricanes. Even worse, a fire could break out and sink your ship along with the valuable assets on board or machinery could breakdown causing your business operations to come to a standstill.

If you are in the global economy for manufacturing and distribution operations, having ocean marine insurance is necessary for protecting your assets.

Ocean Marine Insurance Coverage

Ocean marine insurance has grown over time to offer financial protection to many different owners of varying vessels. Today, the insurance addresses three major coverage areas of loss for vessel owners: cargo coverage, hull coverage, and liability coverage. The major types of vessels covered under these areas are:

  • Container Ships
  • Fishing Boats
  • Barges
  • Ferries
  • Tugboats
  • Yachts
  • Tankers
  • Sailing Charters
  • Research Vessels

Final Thoughts from Schechner Lifson

Unique risks and liabilities are ever-present for ocean vessels and the valuable cargo they transport. Having your business insured with ocean marine insurance is crucial to providing financial protection from potential claims, lawsuits, and costly scenarios.

Does your business transport your goods or goods of others, domestically or internationally, on your own conveyance or via another person’s conveyance? If so, you need marine insurance. Contact Schechner Lifson to learn how we can protect your business with marine insurance today!

When is Flood Insurance Needed?

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5 Considerations for Obtaining Flood Insurance

Floods can happen anywhere, damaging numerous homes or businesses. Just one inch of floodwater can destroy a property within seconds. Everything from the buildings, flooring, furniture, carpet, and priceless belongings and documents, can be ruined.

Many assume that a mop or wet-vac can solve a minor flood quickly. The truth, however, is more serious. Standing water leads to mold growth and damage to the home’s foundation. Water damage to drywall and structurally essential parts of a building is a significant concern as it compromises its structural integrity.

Whether your home or business experiences a major flood or a few inches of water, you should consider flood insurance to protect the life and legacy you’ve built.

Is Flood Insurance Required?

Depending on where you live or own a business, you may be required to purchase flood insurance by your mortgage lender, especially if you are located in high-risk areas. Flooding can be caused by seasonal runoff, heavy rains, overflowing rivers, hurricanes, tropical storms, plumbing or roofing problems, and more.

Not all properties are at high-risk but can still experience flooding. According to the Federal Emergency Management Agency (FEMA) more than 40 percent of flood claims happen in low to moderate risk regions across the United States. Even if you are not required to purchase it, it’s still a good idea to protect your property and personal belongings.

Who Can Purchase Flood Insurance?

Flood insurance can be purchased by homeowners, renters, and business owners to protect their belongings, homes, and businesses. Landlords can buy separate flood insurance policies to help protect their properties. To purchase a flood policy, these individuals generally need to live in communities that participate in the National Flood Insurance Program, managed by FEMA.

What is Covered Under Flood Insurance?

Typically, flood insurance is a separate policy designed to help protect your home and belongings if damaged in a minor or major flood. Flood insurance offers two types of coverage:

  1. Building Property Coverage helps pay to repair your home’s physical structure and its foundation and components such as siding, interior walls, floors, and plumbing and electrical materials if damaged by floodwater.
  2. Personal Contents Coverage helps pay to repair or replace your belongings, such as clothing, furniture, and electronics.

The maximum amount of coverage provided by flood insurance is $250,000 for a home and $100,000 for its contents. Excess flood insurance can be purchased for the additional coverage you need.

How Do You Purchase Flood Insurance?

To purchase flood insurance, all you need to do is contact your insurance company or agent, such as Schechner Lifson. It is essential to plan when purchasing flood insurance, as there is typically a 30-day waiting period for a National Flood Insurance Program policy to go into effect. However, sometimes plans can move faster if the coverages are related to a community flood map change or are required by a federally backed lender.

What’s Not Covered Under Flood Insurance?

While it’s important to know what flood insurance covers, it is equally important to understand what it doesn’t cover. The following are types of property and expenses outside the scope of flood insurance.

  • Outdoor property such as fences, patios, decks, wells and septic systems, pools, and landscaping
  • Cars and other self-propelled vehicles
  • Precious metals and paper valuables, currency, and stock certificates
  • Below ground rooms including crawl spaces and basements, and their contents
  • Moisture or mold/mildew damage

Ready to Purchase Flood Insurance?

Protect your home and personal property against loss caused by flooding. Schechner Lifson can help you learn more about flood insurance and why you should purchase a policy. Contact our trusted Personal Insurance Team today.

HOA Insurance 101

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Questions to Ask About HOA Insurance If You’re A Condo Owner

When people buy a house, there’s a standard suite of insurances that they commonly know to buy, including homeowner’s insurance, flood or hurricane insurance, and others. But for urban dwellers who get into property ownership via condos, the landscape of critical insurance policies to carry looks different and may not be as well known. A key type of insurance policy that condo owners must understand is homeowner’s association (HOA) insurance.

Unfortunately, many people don’t even know what HOA insurance is, even after they buy and move into their new condo. Because it is less discussed, a quick baseline review of HOA insurance is necessary:

What is HOA Insurance?

HOA insurance is typically compulsory for condo owners, but it isn’t a type of policy that you would buy for yourself. Rather, HOA insurance will be purchased by the HOA in your building, which is where a notable portion of your HOA payment dues will typically go. So when you buy a condo, you typically are required to sign onto the terms of the building’s existing HOA, and that HOA will then mandate a portion of your fees to pay into the HOA policy, otherwise known as a master policy.

What does HOA Insurance cover?

HOA insurance policies are designed to provide that individual is held liable for any accidents that may occur in common areas of the condo building. While individual condo owners will be responsible for insurance coverage for liability to people and property within their condo’s walls, many condos have common areas and group amenities like gyms, pools, lounges, etc. HOA dues also maintain these areas, and because accidents can occur in them, the owners of condo units need to be insured against anything that may happen.

What else do condo owners need to know?

Just because the HOA insurance policy is baked into your existing condo fees does not mean that, as a condo owner, you don’t need additional coverage. HOA insurance won’t cover property damage or personal injury to anyone inside your condo unit, so condo insurance will be necessary to make sure you’re completely covered.

The key to any condo owner is recognizing and understanding what is and isn’t covered by the HOA policy. Some HOA policies will go above and beyond and include extra coverage that may allow you to reduce what your personal condo policy needs to protect. In contrast, others will do the bare minimum, and it may be necessary for you to add more than you initially thought to your condo insurance policy.

If you’re unsure what your HOA policy covers and what that means for the individual policy you buy, it is advisable to reach out to a trusted insurance provider and advisor. Schechner Lifson Corporation is happy to review your situation and recommend coverage custom made for your needs. Get in touch with us today, so we make sure all your needs are met.

Small Business Owners Insurance Guidelines

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Insurance Types Small Business Owners Should Know About

Being a small business owner can be simultaneously exhilarating and terrifying. As the boss, you must keep in mind what’s best for your business and its growth, as well as protecting your assets, your family, and your employees. Given the dizzying array of responsibilities you will feel at any given time, having the right types of insurance coverage is critical to staying safe, protected, and financially prudent.

Which insurance policies should you consider as a business owner?

General Liability Insurance

When you open a storefront or office space, you are suddenly opening yourself up to potential lawsuits should any customers be hurt and you are responsible for what happened. Every brick and mortar business should have a level of general liability insurance to ensure that if something unforeseeable happens, you’re prepared.

Business Owner’s Policy (BOP)

Rather than seek out individual insurance policies for every small risk, small business owners should consider a basic business owner’s policy (BOP). The standard BOPs on the market will help protect you and your business in the event of unexpected issues like property damage, business interruptions, crime, vehicle accidents, and more.

Worker’s Compensation

All businesses are required to carry Worker’s Compensation Insurance. This insurance will pay the medical bills and lost wages if an employee is hurt or gets sick on the job.

Professional Liability Insurance

When you’re offering your services and expertise to your clients, professional error may arise, resulting in issues with the client, your reputation, or even legal action. By purchasing professional liability insurance, also known as Errors and Omission Insurance, you’ll be protected if you fail to provide the quality of services expected on behalf of the client.

Key Employee Insurance

Small business owners may rely heavily on specific employees. These key employees, thanks to their experience, knowledge, skills, or customer relationships, are likely critical players in the success of the business. These are the employees who may be deemed ‘irreplaceable.’ Should these key employees become disabled or pass away, key employee insurance helps protect businesses from the expected impact to their bottom line.

Umbrella Policies

Lastly, an umbrella insurance policy provides greater levels of liability protection than other individual insurance policies. For example, automobile or “slip and fall” liability policies may only cover a certain dollar level, but a significant event might require even greater coverage. In anticipation of such a risk, small business owners can purchase an umbrella policy to give broader and higher levels of protection than the underlying policies provide.

When you’re looking to make sure your business is protected, be sure to consult experts in the insurance world. Schechner Lifson can help guide you through these critical decisions and answer any questions or concerns you may have, even if you’re not a client. Get in touch with us today to learn more.

Long-Term Vs. Short Term Disability Insurance

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Long-Term Vs. Short Term Disability: Understanding the Differences

In the world of insurance, where you purchase protection plans hoping you never actually need to use them, disability insurance is one of those policies that could end up being the most valuable should you ever need it. Disability insurance exists to ensure your basic financial needs are met, including the funds for supplemental care, should something happen to you that inhibits your ability to support you and family.

Many families will recognize that they have disability insurance, whether provided by an employer, union, or purchased on its own, and assume that it means they have nothing to worry about. However, the specific details associated with disability insurance programs are incredibly important, particularly the differences between long term vs. short term disability policies.

So, as you review your existing disability insurance or consider purchasing a new plan that includes it, you must keep in mind the pros and cons of long-term vs. short term disability insurance:

How long will you receive benefits?

The most fundamental difference in short term vs. long-term disability is in the name: how long do the benefits last? Short term disability insurance is intended to cover a period from three to six months. Short term disability insurance is meant to provide income for shorter recovery periods from accidents or health issues that are not permanent.

Long-term disability insurance, on the other hand, is meant to provide a safety net for a much longer period, typically in intervals of five years or even until the policyholder reaches retirement age. The reason for this difference is that long-term disability insurance is provided to make sure that if an accident or health issue arises on a more permanent level, you’ll still be able to meet your financial needs and receive supplemental care if required.

When will you start getting payments?

For short term disability, because the payout period is meant to cover the immediate financial needs and for a shorter length of time, the waiting period (sometimes called the elimination period) is only a few weeks or less. Long-term disability insurance plans will typically start paying after a waiting period of three or six months.

How much will your payout be?

In NJ, short-term disability is required by law. The benefit (as of July 1, 2020) is 85% of pre-disability earnings to a maximum of $881/week. Some employers will have a supplemental plan. Long Term Disability provided by an employer will typically pay 66 2/3rd % of pre-disability income to a monthly maximum, often $5,000, but it may be higher. Individual long term disability policy payments will depend on the amount of insurance purchased.

Which is right for me?

Whether you need short term disability insurance, long-term disability insurance, or both, is a personal question for you and your family. Factors to consider include what type of automatic coverage your employer offers for accidents and disability, whether you’re the only income earner in your household, your savings, and how much accumulated debt you have.

If you have any questions regarding disability insurance, reach out to a trusted insurance broker. Schechner Lifson Corporation is happy to review your situation and help find you a provider. Contact us today!

Small Business Automobile Liability Considerations & More

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Is Your Small Business Protected with Automobile Liability Coverage?

As the majority of Americans are weathering COVID-19, if you’re a business owner, you are seeing challenges that go above and beyond sheltering in place. Overseeing evolving business operations and making adjustments to resources and your business model may suddenly have your employees making deliveries or carrying out new, select tasks on behalf of your company, regularly. Whether you are using rental cars or employee-owned cars, ensuring your company is protected is vital. Your employee may have their own personal automobile insurance, but if driving has now become a part of their job, then you need to make sure you have appropriate automobility liability on top of that as well.

How do you know what type of coverage you need? And, what would happen if an employee of your small business got into an accident while on company time? Keep reading to learn more.

Hired and Non-Owned Auto Insurance (HNO)

For employees who are simply driving to or from work, you don’t need any additional coverage. But if driving a non-company owned vehicle has become a part of their job duties, then you’ll want to explore hired and non-owned auto (or HNO) insurance. HNO insurance specifically covers the business from liability arising from incidents involving an employee driving a rental car or the employee’s own car for business purposes.

Noteworthy, this does not cover business-owned vehicles, as that would already be covered on the business’ auto insurance policy. As well, HNO is only meant to cover liability and not the physical damage to the vehicles or the business property inside the vehicle. Lastly, HNO insurance covers the business for liability from a third party, not an employee. If the employee is injured, that would be covered by worker’s compensation insurance.

Risks of Not Having Automobile Liability Coverage

Many small businesses and their employees will simply assume that the employee’s auto insurance is sufficient or may not have even thought about the insurance, but avoiding having specific automobile liability insurance or simply being misinformed or overwhelmed because of these challenging times may leave you open to additional risks.

The employee’s auto insurance may cover the employee as a result of any incident, but it does not protect the business from a potential lawsuit by anyone else involved in an accident. These types of liability can be a much bigger risk than simply collision damage, so a business that regularly has employees traveling via personal or rental car must seriously consider the risks associated and protect themselves accordingly.

Extra considerations while working remotely: Vacant office spaces

Another important insurance consideration is whether your commercial property insurance has a vacancy clause. While the majority of the American workforce is working remotely, offices are left either vacant or unoccupied. If a business is vacant and there are issues with vandalized windows or graffiti, some coverages may not apply. Under certain conditions, a building cannot be vacant for more than 30 days.

The cost to insure your building is also dependent on what goes on inside, the kind of equipment you use, and more. If you want to review your current policy to make sure you’re properly protected, Schechner Lifson is happy to go over your plan, even if you’re not a client.

Do you have more questions?

Schechner Lifson Corporation can answer your questions about relevant auto insurance policies, commercial property insurance, and more. Get in touch with us today if your employees are using their own vehicles to carry out business operations, you’re unsure if you have a vacancy clause, and more. While you continue to work from home, we want to make sure you’re covered.

Dropping Application Barriers: The Life Insurance Medical Exam

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How Some Carriers are Forgoing the Life Insurance Medical Exam & More

For many life insurance carriers, in a very typical, pre-COVID-19 world, routine steps were necessary to obtain life insurance. Processes were in place and required to purchase a plan, such as the retrieval of medical records sent by specialists or a family doctor, a life insurance medical exam performed in person, and more. But as the world contends with COVID-19 and the coronavirus outbreak, many industries are turning into anything but typical and routine, becoming more flexible to help get you protected.

Requirements to maintain social distancing to prevent the spread of the virus means that some carriers are forgoing the in-person life insurance medical exam as well the requirement to have front line physicians release medical records. It’s best for both medical practitioners and life insurance applicants to avoid the risk of exposure.

How Some Carriers are Dropping Application Barriers:

The Life Insurance Medical Exam

The great news is, the life insurance industry is still open for business. For individuals that qualify, and most people will, Schechner Lifson is happy to work with you to find a carrier that will skip the life insurance medical exam. With no personal contact, you can have your application completed, your prescription records released by your pharmacy, your medical records reviewed, and get a final determination of a clean bill of health to move forward without an exam.

Retrieval of Medical Records

Thanks to the digitization of our medical records and online in-patient portals, it’s never been easier to get our hands on our medical records. In-patient portal records are being electronically released directly to the carrier, streamlining the application process and alleviating just one extra duty for our front line workers.

Could this new process affect premiums?

No, if you obtain a life insurance policy from carriers offering more flexible options, such as retrieving records from a portal rather than a physician, and skipping the medical exam if you have a clean bill of health, your policy would be considered the same as a policy that was attained via traditional, pre-COVID-19 means. Therefore, your policy and its premiums will not be impacted.

Schechner Lifson Corporation, an independent insurance agency, is happy to help you find a more flexible life insurance carrier, giving you the ultimate peace of mind as we continue to navigate these challenging times. Get in touch with us today to get started.

Business Interruption Insurance and Covid-19

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Will Business Interruption Insurance for Pandemics and Covid-19 Cover My Losses?

Currently, there is no coverage under business interruption coverage for pandemics and Covid-19. There is talk of possible legislative action that will enact coverage changes and provide business interruption during a stipulated period, which is to be determined.

If this action is approved, it will not be easy as there are millions of affected policyholders and not nearly enough adjusters. These are not easy claims to adjust, and as stated, there are not enough adjusters to handle the masses.

If you feel you have suffered a business interruption loss as a result of Covid-19, we suggest you notify your insurance agent to put your carrier on notice and get you logged into the system. If the action is approved and coverage is afforded, being in the system will provide a leg up on the process and help expedite getting payment.

As these are the opinions of Schechner Lifson, you have to understand that submitting a claim will not impact your policy or coverage as currently written. When submitting, you should reference your company name and date you had to shut down and/or release employees. Be patient, but proactive. If you have any questions – don’t hesitate to contact Schechner Lifson today. We are currently working remotely but happy to help during these unprecedented times.
Marc Rosenkrantz,CRM,CIC,AAI

Notice to NY Policyholders

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Dear New York Policyholders,


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 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. 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.

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.

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.


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.

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.

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, broker, or premium finance agency.


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