CFM COVID-19 Announcement:


During a time of considerable uncertainty, you can be 100% certain of this - we're here for you.

We don't want you to weather this storm - or any other that the future may throw our way - alone. Since 1869, CFM Insurance has helped our neighbors through some of the worst times this country has ever faced, including the most devastating wars, depressions, and recessions. The current war we're fighting is no different than those of our past, and we're prepared to conquer it step by step, day by day, right alongside you.

Let Us Help - It's A Mutual Thing

The entire CFM family is wholeheartedly committed to helping our customers who have been affected by the COVID-19 pandemic stay afloat. While we are confident this chaos will pass in due time, it is our top priority now more than ever to provide the unmatched service and comfort you deserve until it does. So, we promise to deliver the necessary and welcomed flexibility in payment arrangements for those in need of relief, until the economy around us stabilizes again.

Communicate Your Concerns - We're All Ears.

If you've been financially impacted by the Coronavirus and have questions about late payments, fees, cancellations, non-renewals, or any other billing concerns, please reach out to our dedicated team of Customer Service Representatives: 800-218-2223. Again, we can't stress enough our dedication to remaining flexible concerning payment plans that best fit your situation right now. Our line of communication is always open - you just have to reach out and utilize it.

To make manageable payments or file a claim during this time, you may do so through several available CFM platforms:

  • Policyholder App
  • Online Insured Portal
  • Your Trusted, Local Agent - Your CFM agent is a licensed, experienced professional that can advise you through each twist and turn in your insurance journey. They are an excellent resource for all your questions and are ready to mitigate any worries you may have.

Ask Us Anything - We've Got Answers

Frequently Asked Questions


Q: What payment assistance is CFM Insurance offering insureds that are affected by COVID-19?

A: We are committed to working with our agents and insureds during these challenging times. We are abiding by Missouri’s moratoriums by suspending cancellation notices and non-renewals due to non-payment of premium. If you are experiencing financial burden please reach out to your agent or call us Toll-Free at (800) 218-2223 to discuss payment options.

Q: Can I defer payments or submit a partial payment?

A: Because we understand so many have been forced out of work due to the COVID-19 pandemic, the CFM Insurance team is dedicated to helping each affected customer come up with a flexible payment arrangement during this time. We will accept partial payments to keep your totals from accumulating. If you are having trouble making your payments please call us Toll-Free at (800) 218-2223.

Q: Is CFM giving premium refunds to insureds?

A: CFM prides itself on providing the coverage you need at the rates you deserve. With that in mind, we are working with state departments of insurance to develop flexible payment plans and to explore even more options to help our customers if they are unable to pay during the pandemic.

Q: Can I make changes to my Auto Pay?

A: If you would like to stop or make changes to your Auto Pay, you can do so in the policyholder app or by logging into the Insured Portal on the CFM Website.

Q: Will there be a late fee if I can’t pay my premium this month due to the COVID-19 pandemic?

A: CFM Insurance encourages you to pay your premiums if at all possible, but we will not charge late fees or penalties during the pandemic, providing policyholders extra time to pay their premiums without risking cancellation. If you are having trouble making your payments please call us Toll-Free at (800) 218-2223.


Q: Will there be changes in my coverage due to the COVID-19 pandemic?

A: Now, more than ever, it's critical to feel a genuine sense of support from those who make up your life's daily routine, including us, your insurance provider. We do not plan on changing coverages due to the pandemic, unless we are required to by state or federal regulations.


Q: How can I file a claim at this time?

A: You may report your claim in the policyholder app or by logging into the Insured Login on the CFM Website. For more information on how to download the app and file a claim through the app visit our blog.

Q: What precautions are being taken when adjusting claims?

A: The safety of our insureds and employees is our upmost concern. The CFM claims team is committed to handling your claim with care and compassion. Once a claim has been filed, CFM relies on the claims tools in the app that enable us to effectively “see” damage without physically being on-site.

Employee Safety

Q: Are you still operating normal business hours, while staying safe and healthy?

A: Please know that we are actively monitoring the coronavirus situation and will continue to take proactive measures aimed at keeping our employees healthy. That way, there is no impact on normal customer service operations. Our team is equipped with the technology they need to work remotely from home and committed to providing the service and support you deserve during this time.