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COVID-19 Frequently Asked Questions
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In response to recent events surrounding COVID-19, we realize there is a lot of worry and confusion around financial security. As a local insurance agency, we are taking this very seriously and the good news is: we are still open and are here to help you as best we can!

Here are our answers to some of our recent frequently asked questions:

 


PERSONAL LINES

What if I can’t pay my premiums? Should I cancel my policy?

No! Now is definitely not the time to go without insurance. Many companies are offering billing help during this time, so give us a call to find out what you qualify for. Be sure to call us before a bill is due, give us as much time as possible to help you find the best solution.

Claims?

Companies are using technology to process claims with as little face to face interaction as possible.

If the claim requires face to face, the insurance companies are doing everything they can for the health and wellbeing of all involved.

This is the guideline given by the CA Dept. of Insurance:

While many businesses are affected by COVID-19, including insurance, on March 18, 2020, Commissioner Lara issued a Notice instructing insurance companies to take steps during the crisis necessary to maintain their ability to process and pay insurance claims and provide other required consumer services for insureds in a reasonable and timely manner.

 

 

COMMERCIAL LINES

What if I can’t pay my premiums? Should I cancel my policy?

No! At this time, we have heard from many of our insurance companies reassuring us that they will not cancel policies for non-payment of premium at this time. As the insurance companies are not all handling this the same way, please reach out to us if you haven’t heard from your insurance provider directly.

It is strongly recommended that you reach out to us before a bill is due, so we can help you navigate the process.

Please be sure to give additional consideration to the contracts you have in place that may still require you to maintain coverage.

Will my business insurance policy cover business interruption/revenue losses due to Covid-19?

Most property insurance includes business interruption coverage, which often includes civil authority and dependent property coverage. This coverage is only designed to cover losses that result from direct physical loss or damage to property and this generally does not apply in the case of a virus. Our interpretation of the policy, along with commentary from industry experts, leads us to believe these claims will not be covered. We are not discouraging any of our clients from turning in a claim and we will be happy to help you do so.

Will workers compensation cover employees for lost wages and medical expenses if they contract the Covid-19 virus?

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, the employee will need to demonstrate that the injury or illness arose both out of and in the course of their employment. If you still believe you have a workers’ compensation claim, we will be happy to help file your claim.

Coverage Related Questions?

Please contact our office and you will be directed to your licensed Account Manager for assistance.

If you aren’t sure who manages your insurance policies, please email reception@purvesinsurance.com and your email will be directed to your account manager.


 

In this very difficult and strange time we anticipate that there will be bumps in the road for all businesses, but we are dedicated to taking care of our clients with the least amount of distraction. Please stay healthy and if you need anything, please give us a call. Good luck, we will all get through this together!

Scott Purves, President

Purves & Associates Insurance

www.PurvesInsurance.com/COVID

(530) 756-5561

Reception@PurvesInsurance.com