PIA Disaster Relief Fund

Who Can Apply?

PIA members, other independent insurance agency owners, and independent insurance agents who have been affected by disasters (declared by a government agency) can apply for up to a $2,500 grant through the PIA Disaster Relief Fund. Each applicant may only submit one grant application. The grant can cover business or residential assistance.  Additional grant applications may be accepted based on the availability of funds.  

Key Eligibility Criteria:

• Grants are available to U.S. citizens or legal residents who are owners or employees of independent insurance agencies that have suffered losses caused by a federal or state-declared disaster.
• Applicants must be based in an area affected by the declared disaster, such as specific states or regions designated by FEMA or other agencies.
• Funds may be used to cover lost wages, medical expenses, living expenses, essential property losses, or housing, transportation, and certain business operation costs.
• The applicant must show that she or he incurred a loss of income or livelihood or suffered loss or damage with respect to their real or personal property and is in financial need as a result.

Eligible Expenses:

• Grants may be used to cover expenses not covered by insurance, grants, or federal or state loan programs for things such as, but not limited to:
  • Lost wages, payroll, and benefit expenses;
  • Essential property loss, including items lost from offices or personal residential property;
  • Living and housing expenses;
  • Office operation expenses such as equipment, rent, mortgages, recurring or non-recurring fees for service or equipment, and technology for remote workers; and
  • Incurred insurance deductibles (not to exceed $2,500).

Ineligible Coverages:

• Grants will not be provided and cannot be used to compensate grantees for lost business opportunities, lost cash or jewelry, or client reimbursements.
• Family members of owners or employees of agents who are not themselves employed by the agency.

How to Apply?

In all cases involving individual grants, grant applicants must complete the PIA Disaster Relief Fund application and submit all requested documents in support of the application to be considered for a grant from the Disaster Relief Fund.

The fund is supported by donations and seeks to assist PIA members in their communities by addressing immediate needs, ranging from operational assistance to essential resources that help agents serve their clients during crises.

Application tip: To ensure no mistakes are made, download the application and enable editing in order to type in the text fields.

The Insurance Foundation has complete discretion regarding how the grants will be distributed.

The Insurance Foundation reserves the right, in its sole discretion, to reject any grant applications received, to select the grant recipients, and to determine the amounts of any grants made.

The Insurance Foundation reserves the right, in its sole discretion, to revise these Guidelines at any time.