Premium Finance





CSM Premium Finance Company works exclusively with Cox Specialty Markets to finance insurance premiums for small to large business and help them budget their insurance costs.

Premium financing allows customers to leverage their insurance assets (unearned portion of premiums) over the coverage term by funding the annual policy premium to the insurance company and extending monthly terms to the insured.  Terms typically involve a down payment and up to 9 installments.

We accommodate payments in a variety of ways.  Payments by check, faxed checks, electronic debits and payments by phone are all possible.


What is It

Premium financing provides a short term loan for an insured to use specifically to pay for their insurance coverage.  The loan provided by the premium finance company pays the insurance premium to the insurance company and bills the individual or company, usually in monthly installments, for the cost of the loan.


The unearned premiums on the insurance policy acts as collateral simplifying the loan application/approval process.

How does premium financing work?
  • An insured who wants or needs financing to cover a policy signs a finance agreement.

  • A down payment is collected for the loan

  • The insurance company is paid by the premium finance company

  • The insured repays the finance company for the loan

  • Eliminates the requirement to pay the insurance company up-front

  • Multiple insurance policies can be financed on a single finance contract, allowing for a single payment plan to cover all insurance coverage

  • Frees up liquid assets for the customer



At CSM Premium Finance Company, privacy is protected. An important part of our commitment to service excellence is our commitment to the privacy of personal information entrusted to us.

Keeping that information in strict confidence is a cornerstone of our business. The range of products and services we offer continues to expand and the technology we use continues to change. But no matter how the business changes, we will protect the privacy of personal information.

Our policies and procedures, which we practice in order to protect this information, are in place across CSM Premium Finance Company. The following describes these policies.


We may collect the following personal and non-personal information about you, some of which may not be publicly available.

  • Information we receive from you on premium finance agreements or other forms, including but not limited to your name, address, telephone number, insurance policy information and financial account information;

  • Information you share with your agent or broker;

  • Information about your transactions with us, your insurance representative or fiduciary, broker, your insurance company or others; and


We do not disclose any non-public personal information about our customers or former customers to anyone except to a customer’s insurance representative(s), broker, fiduciary, government or regulatory authority as compelled by law and as otherwise permitted by applicable law in order to process and service your transaction, or as directed by you.


We restrict access to non-public personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your non-public personal information.

If we update our Privacy Policy while your loan in outstanding, we will provide notice to you that such a change has occurred and provide a means by which you may familiarize yourself with our new policy.

Further information: Inquiries may be submitted to us at:

CSM Premium Finance Company
Attn: Privacy Coordinator
PO Box 949
Troy, OH 45373



CSM Premium Finance Company


PO Box 949, Troy, OH 45373

Tel:  (800) 648-0357

Fax: (877) 311-6887

Regular Business Hours: M-F, 8AM - 5PM

For any general inquiries, please fill in the following contact form:

Contact Us

Thanks for submitting!