Department of Financial Services Letter
Dear Valued Insurance Customer,
We hope that this message finds you and your family safe and healthy.
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 apply to most insurance policies and 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 be able to pay such premium over a 12-month period.
• If your policy is financed through a premium finance agency, they may be required to 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 may 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: https://www.biginy.org/nysdfs.
If you have any questions about this or your policy, don’t hesitate to contact our team or you can also call your insurance company billing department directly. We’re proud to continue helping you protect what matters most.
Stay safe,
A. Zeeman Company, Inc.
James Altman
Ronald Altman

I cannot thank you and Lynn Lyons enough. As you know, because I inherited a property in Virginia I found myself desperate to obtain homeowners and liability insurance on very short (24 hours) notice not only for myself but also for my sister in South Carolina. Despite the fact that you do not do business in Virginia, you went way out of your way with no money in it for you to get the insurance literally within hours. Such service is seldom seen in this day and age, particular to clients, like myself, who I imagine are "small" in terms of your overall client list. It is the same quality service that you have demonstrated for years to me and my family, and it is, apparently your rule to deliver it without exception. Lots of people sell insurance. Few deliver great service, and none that I know of deliver the type of service you do. You are a comfort, and you have every right to be proud of yourself, your agency and your employees. Thank you again. — Banks Brown