With that in mind, inside our offices our priority is to protect the well-being of our co-workers so that we can continue to serve you.
Our lobby is currently closed to client traffic until further notice. If you need assistance with payments, claim filing, new business or questions related to your policies, please call us at 207-283-1486 and we will be happy to assist.
We will continue to evaluate our procedures as circumstances change. Thank you for your cooperation.
Personal Auto Policy Rate Discounts During Covid-19:
The Coronavirus-related nationwide stay at home orders have contributed to decreased claims exposure for personal auto insurance carriers. As a result of this, we’re pleased to announce the following companies represented by Paquin & Carroll are offering voluntary rate discounts to personal auto policyholders:
- Concord Group
- MMG Insurance
- Patriot Insurance
- Patron’s Oxford Insurance
- Union Mutual
- Vermont Mutual
If you have coverage with one of these carriers, please feel free call us to discuss how this will positively effect your auto insurance premium.
Business Insurance Policy Refunds During Covid-19
The Coronavirus-related nationwide stay at home orders have also contributed to decreased claims exposure for commercial insurance carriers. As a result of this, we’re pleased to announce the following company, represented by Paquin & Carroll, is offering a voluntary rate discount to Businessowners policyholders:
- Liberty Mutual
If you have your Businessowners coverage with this carrier, please feel free call us and discuss how this will positively effect your insurance premiums going forward.
Paquin & Carroll’s Guidance for our Commercial Clients Regarding Coronavirus or Covid-19:
The news on all networks have been filled with information on the now declared pandemic of the Coronavirus or COVID-19. It is possible on your commercial property insurance to extend coverage to include coverage for loss of business income due to a closure of your business caused by a covered peril. A communicable disease like the Coronavirus may not be a covered peril, but you should not allow that assumption to keep you from taking action.
First, it is critically important to report all claims and potential claims to EACH AND EVERY CARRIER whose policy might apply to your loss. This includes Commercial general liability, Personal lines, Umbrella, Excess, Workers Compensation, Specialty and any other policy you may have.
Second, you need to determine whether you purchased business income coverage. If you don’t find the coverage in your policy description, be sure to call our office.
Third, if your business closes due to the Coronavirus, it is important to know (again) that communicable diseases typically are not a covered peril that would give rise to insurance benefits for loss of income. It doesn’t matter if the loss of income is just from a downturn of business due to the loss of many customers or the actual closure of your business. However, you should still report all claims and potential claims.
Please be sure to contact our agency if you have any questions.