We are still ready to assist during this time.

Our first priority is helping you take care of yourself and your family. For the time being, we have asked our staff to work from remote locations and maintain social distancing to keep themselves healthy.

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Our mission is to give our clients and team members the feeling of family while protecting their future.

We are dedicated to matching your needs to the most comprehensive and affordable coverage available on the market today. 

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Your liability for damages that occur when a tree on your property falls on your neighbor’s property is not clear cut.
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What We Offer

Personal Insurance

Home Insurance Quote

Home Insurance Quote

Shopping for the best home insurance premiums?  Buying a new home, a secondary home or an investment property and need affordable homeowners or flood insurance?  We make finding competitive insurance rates a snap!  Let our companies earn your business.

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Auto Insurance Quote

Auto Insurance Quote

Finding the best rate on auto insurance can be challenging especially due to the many variables that go into rating an auto insurance policy.  Let us shop the market for you to find an affordable and accurate car insurance policy.

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Life Insurance Quote

Life Insurance Quote

By purchasing NY Life Insurance you’ll be better prepared to provide for your family, even in dire circumstances. Life insurance benefits can be used for a variety of applications

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Business Insurance

General Liability Quote

General Liability Quote

General liability is one of the most pervasive policies on the market today. It provides coverage for liability issues resulting from personal and advertising injury, including medical expenses.

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Legal Malpractice Insurance Quote

Legal Malpractice Insurance Quote

When it comes to legal malpractice insurance, New York lawyers can rely on The Clausen Agency, Inc. for solid coverage because professional liability insurance is one of our coverage specialties.

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Cyber Insurance Quote

Cyber Insurance Quote

As a business operating in the state of NY, getting Cyber Insurance is a great way to minimize the costs and damages of a data breach or security breach event and to have the peace of mind you can still run your business should a worst case scenario occur.

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Our Core Values

1. Our business is protecting our client's dreams!

2. We are ladies and gentlemen serving ladies and gentlemen.

3. Do the right thing!

4. Kaizen. The spirit of continuous improvement.

5. Know your PURPOSE while you perform your FUNCTION.

6. Excellence has its own reward.

7. Family first.

8. Life is short...have fun!


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Dear Policyholder,

 

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. 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, respectively.

 

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. 

 

Questions

If you have any questions regarding your rights under the Executive Order or regulations, please contact your insurer, premium finance agency or our office.

 

We hope you all stay safe during this time.