As your insurance solutions provider, we are here to help you through this challenging time and provide the latest updates that directly impact you now and in the months to come.

Payment Grace Periods and Other Rights

If you or your small business is experiencing financial hardship as a result of COVID-19, please know that payment grace periods and other rights have been issued in New York State for certain property/casualty and life insurance policies. These emergency regulations do not apply to the Commercial Lines coverage written on an excess lines insurance policy.

Find more details about these temporary changes on our website. You can also visit the New York State Department of Finance site to learn more or view the Executive Order.

Stay in Touch

To keep you as up to date as possible, please make sure we have your preferred email address and cell phone number on file. Please call us (518) 792-5841 or email us at to update your information.

You can also visit our website where we have outlined some helpful resources for you and your organization.

As a reminder, our locations remain open by appointment and you can continue to pay your bill online or explore this option for the first time. Please reach out to us with any insurance needs or questions. We want to know how you are doing and how we can help.

As always, thank you for your business. Be careful. Please stay healthy.

Douglas Thorn signature

Douglas Thorn


Upstate Agency, LLC

Part of the Arrow Family of Companies


Insurance products are offered through Upstate Agency LLC (South Glens Falls, NY). This agency is a non-bank subsidiary of the Arrow Financial Corporation family of companies and is licensed to sell insurance in New York State and act as an agent for issuing insurers. Insurance policies are obligations of the insurers that issue the policies.



· Dear Selective Customer,

Everyone has been impacted by COVID-19, which has required us to rethink where and how we work. But our team and UPSTATE AGENCY LLC have partnered to meet the challenges, and we will continue to work together seamlessly to deliver the service and support our customers need.

We understand that you and a number of our customers have made changes as well. Many have been sheltering-in-place, helping to flatten the curve of this pandemic. Auto customers like you are driving less and reducing your exposure, so we believe it is appropriate to credit a portion of your premium. This action, along with other COVID-19-related considerations to help you keep your coverages in place, are just a few of the ways we’re helping you and other Selective customers at this difficult time.

Here are a few highlights of our COVID-19 credit program:
We’re offering a 15% credit to both personal and business auto policyholders.

· Pending regulatory approval, customers with an inforce personal and/or business auto policy as of April 30, 2020 and May 31, 2020 will receive 15% of their monthly premium for April and May applied to their account.

· Credits automatically will be issued without action required by you.

This credit, along with the adjustments in pay plans and grace periods, are just two of the many ways we’re helping our customers and distribution partners deal with COVID-19’s impact. To read more about Selective’s COVID-19-related actions, including what we are doing for our employees, please read our press release and the Q&A available on

This situation continues to evolve, but our commitment to our agents, customers, and employees remains constant. The entire Selective team is here, ready to support you, as we work through this challenge together. Thank you for your business.

Wishing you, your families, and your colleagues continued good health –

John Marchioni
President and Chief Executive Officer