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are insurance companies open on mlk day

Most major insurance companies treat Martin Luther King Jr. Day as a holiday and close their main offices and customer service centers, but some services still remain available online or through limited hotlines.

Quick Scoop

  • MLK Day is a federal holiday, and many insurance company offices close in observance, similar to banks and government agencies.
  • Multiple insurers explicitly list Martin Luther King Jr. Day on their 2026 holiday schedules as a closed day (no normal business hours).
  • Even when offices are closed, you can usually:
    • File claims online or via mobile apps.
* Access automated phone systems.
* Reach emergency claims or roadside assistance lines for auto and home policies, which often run 24/7.

What this means for you

  • If you need:
    • Routine help (billing questions, policy changes, quotes): Expect many insurers to be closed and call wait lines to be unavailable until the next business day.
* **Urgent help** (accident, property damage, medical emergencies related to coverage): Emergency claims numbers typically still operate, so you can report a claim even on the holiday.
  • Hours can vary by:
    • Company (some regional insurers may keep limited hours, others fully closed).
* Department (for example, member services vs. claims).

* Channel (branches/agents vs. national call centers vs. online portals).

How to check your specific insurer

To avoid surprises:

  1. Look up your insurer’s “holiday schedule” or “MLK Day hours” page; many post a calendar showing they are closed on or around January 19–20, 2026.
  1. Check recent emails, text alerts, or social posts from your insurer; several companies announce that their offices will be closed on MLK Day but provide online options and emergency contacts.
  1. If today is not yet the holiday, call ahead and ask whether customer service or your local agent will be open.

Bottom line: Many insurance companies are not open for normal in‑person or phone service on MLK Day, but digital tools and emergency claim lines almost always remain available.

Information gathered from public forums or data available on the internet and portrayed here.