Business owners are facing a lot of stress and uncertainty now. We are here to help. We are willing to work with you on payments due to help you manage your cash flow during the crisis and we want to provide upfront, transparent information about business interruption and workers' compensation coverage. You can find information below about what would typically be covered, and what would not.
Payment Flexibility Options
As circumstances develop over the next few weeks, we will revisit and adjust this timing as needed.
During this crisis, automatic payments will continue unless you postpone or stop them.
We have empowered our employees to work with each individual customer to provide the personalized support you need. For insurance customers who are negatively impacted by coronavirus, we are happy to work with you to discuss a flexible payment plan. Please contact us if we can be of assistance. We will also continue to comply with any directives issued by state departments of insurance on billing issues.
Business Interruption Coverage
Our business owner's insurance policy often includes business interruption coverage. This coverage is generally designed to cover losses that result from direct physical loss or damage to your property and is not designed to apply in the case of a virus. The policy will also typically offer coverage due to civil authority restrictions, but again only as a result of direct physical loss or damage. More information can be found here.
Every situation will be looked into on a case-by-case basis. If you believe you have a business interruption claim, then please reach out to our claims experts for more information.
Workers' Compensation Coverage
Workers' compensation insurance helps your employees recover from work-related injuries or illnesses. Every state has its own workers' compensation insurance laws and regulations that govern the coverage available. To file a workers' compensation claim, in most states the employee will need to demonstrate that the injury or illness arose both out of and in the course of their employment. If you believe you or one of your employees have a workers' compensation claim, then please reach out to our workers' comp claims experts for more information.