March 23, 2020
Due to Covid-19, our office has decided to close temporarily for the safety and health of our employees and clients, but our staff will be working remotely. To contact our office, you may call 410-552-1200 to get a list of extensions to reach your intended party. However, it may be easier to send an email to your account manager.
If you do not know who to contact, please send an email to info@amherit.com.
Company claim phone numbers:
Brethren Mutual 800-621-4264 Option 3 for Claims
Chesapeake Employers 410-494-2000
Chubb 800-252-4670
CNA Insurance 877-262-2727
Donegal/Peninsula 800-877-0600 Option 2 for Claims
Encompass 800-588-7400
Frederick Mutual 800-544-8737 Option 2 for Claims
Harleysville/Nationwide or
Allied 800-421-3535
Please follow prompts to report either a personal claim or business claim
Hartford Commercial 800-327-3636
State Auto 800-766-1853 Option 2 for Claims
Travelers Personal 800-252-4633 Option 1 for Personal Claims
Travelers Commercial 800-238-6225 Option 1 for Commercial Claims
To our valued business clients:
Do I have coverage for Coronavirus? – that’s a question that can be discussed and analyzed for hours. The answer will vary based on the line of insurance coverage discussed, the cause of the loss, type of damage etc. Chris Boggs from “The Big I” Independent Insurance Agents Association) has written a few articles that address this subject that we have attached. We welcome and encourage you to review them.
Below is a more condensed version of the areas that may be of concern to you. Please keep in mind specifics may change everything. Please let us know if you have a specific scenario you’d like to discuss.
Please note – your insurance policy requires prompt reporting of any incident that may lead to a claim. At this time we recommend reporting potential losses or claims to the insurance carrier. it’s always best to allow them to review and determine if coverage will apply. We will be happy to help you with this process.
Property
If you lose Business Income it will only be covered if it is the result of physical loss of, or damage to covered property as the result of a covered cause of loss at the insured premises. If the government prohibits work off premises & you can’t work at a client’s home there’s no damage to the insured premises so it would not be covered. If a panic stricken neighbor sets your building on fire because they think it has coronavirus that would be covered.
Workers Compensation
Workers compensation could vary greatly based on the details of the claim, consequently comments on this subject will be rather vague. The laws of the state of jurisdiction will determine what is a compensable workers compensation claim and what isn’t. If a disease is determined the is work related it would be covered under workers compensation. The comforting fact is – if it’s determined to be a compensable workers compensation claim by governing state law you do have the coverage. If its determined not to be workers comp related you aren’t required by state law to provided it – the sick employee should look to his medical insurance to cover medical expenses.
General Liability
The answer really depends on the claim circumstances. The insured would need to be found guilty of negligent conduct where the injured party suffer damages because of the insureds negligent conduct.
The attached articles are interesting and informative, however, we’re always happy to discuss your questions or concerns and notify your insurance carrier if you experience a loss. Please call if you would like to discuss or if you are interested in submitting a claim.
For more information on how COVID-19 might affect your business, please click here to read an article by Chris Boggs.
You may also take a look at this list of relief resources: Click here.
