Coronavirus Support & Coverage For Canadian Businesses


We’ve built this database to help you easily find out if your insurer is likely to offer support or coverage for any impact to your business as a result of the coronavirus pandemic.

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Coronavirus and Insurance Coverage

Last updated: March 31, 2020, 11:22pm EST

When it comes to business insurance, individual policies can be different. The coronavirus situation is also very fluid and information is changing constantly. This information should be seen as a guide to how Canadian insurers are currently viewing the crisis and how various coverages within their policies can apply to this situation. We have taken this information directly from insurers who have provided it to date and are continuing to do our best to keep this up-to-date as and when there are developments.

This should be seen as a guide only. For a more definitive answer, please contact your insurance broker or insurer directly.

Are you an insurer with COVID-19 coverage updates? We will happily update the table below; please send all requests to nkidd@mitchellwhale.com

Insurer Section Response Detail
Aviva Business Interruption coverage Reviewed case by case Aviva says: Aviva will be reviewing each case on its merits, but also point out that business interruption coverage is primiarily triggered by physical damage to your property.
Aviva Childcare & Babysitting services Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
Aviva Claims & Inspections Business as Usual We’ve put measures in place to maintain our regular claims processes, while also respecting the need for social distancing. The health and safety of our partners, customers and staff is extremely important to us. If you have a claim related to COVID-19, please file it through our usual claims channels. Our claims team is in the process of working through previously-reported claims and is in regular contact with suppliers. They have received clear strategies from our suppliers about how they’re working at this time, and what measures they’re putting in place to protect the health and safety of customers and their staff.
Aviva Commercial Autos now parked No adjustments on 21B policies. Normal process for IRCA Aviva says: for auto, for the time being, there will be no mid-term premium rebates, coverage suspensions or coverage adjustments on fleets with the 21B endorsement. Coverage reductions and adjustments on any IRCA, Garage and scheduled fleets without the 21B endorsement are acceptable as per our usual business practice. Again, please contact your broker if you need to discuss potential solutions.
Aviva Renewals and cancellations Policies will not be non-renewed / cancelled Aviva says: Where the Declaration of Emergency wording applies, we will not terminate the policy and/or we will renew the policy. We will continue to provide coverage in accordance with our wording. Coverage will automatically extend for those customers who have received termination notices with a cancellation date occurring after the state of emergency was declared, and within the period to which the Declaration of Emergency wording applies.
Aviva General Liability coverage Reviewed case by case Aviva says: Aviva will be reviewing each case on its merits. In the case of General Liability, should you receive a claim against your business related to COVID-19 bodily injury, please follow the claims process in your policy.
Aviva NSF and payments Waived fees, deferrals supported on request. Aviva says: For all existing policies, we will work with customers experiencing financial hardship. At this time, and until further notice, customers who are experiencing financial difficulty and are unable to pay their insurance premiums may call our billing team and request a deferral of their payment. Effective March 25, 2020, we are temporarily waiving NSF fees for customers due to the COVID-19 pandemic, until further notice.
Aviva Personal vehicles used for delivery Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
Aviva Reducing revenues or coverage mid-term Will not reduce on casualty but will consider on stock / equipment Aviva says: we have given this a great deal of consideration and have decided that we won’t consider mid-term premium reductions on our Liability policies. Stock and/or equipment limit may be reduced mid-term as per our usual business practice. Please contact your broker if you need to discuss potential solutions.
Aviva Working from home Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
Aviva Temporary change in operation Insurer will look to find a solution Aviva says: We commend the companies that are doing their part to support their communities during this uncertain time, e.g. shifting products to fill demand in the fight against COVID-19. Please notify your broker as soon as possible if this applies to your business. They’ll work with you on a suitable solution that ensures your customers are adequately protected.
Aviva Vacated property Vacancy restrictions apply – contact your broker/td>

Aviva says: we recognize that some businesses may have been ordered to shut down due to the state of emergency. We do have a vacancy exclusion in our wording and recommend that you contact your insurance broker if you expect your customer to exceed the vacancy period during the Declaration of Emergency period.
Economical Business Interruption coverage Unlikely to be covered Standard commercial property policy forms tie coverage for business interruption and contingent business interruption to physical damage or loss to the insured’s property or to the property of the insured’s suppliers or customers. If the property was closed in an effort to prevent contamination or spread of the virus, it is likely that the physical loss criteria would not be considered met.
Economical Childcare & Babysitting services Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
Economical Claims & Inspections Focussing on maintaining business as usual Our Claims team continues to support our brokers and customers through this unprecedented time. With the fluidity of the current environment, concern about potential disruptions to supply chain, and uncertainty with respect to coverage application, we’re committed to managing the claims process with compassion, an understanding of individual circumstances, and balancing with our policy wordings. Our Claims team is tracking all COVID-19 claims, which are being managed by teams of senior adjusters, who collaborate to review coverage issues. 
Economical Commercial Autos now parked Will make mid-term adjustments to accommodate where possible For customers who are facing a material and substantial drop in business revenues due to the closures brought on by COVID-19, we will endorse the policy mid-term to reflect the up-to-date information as long as the policy term is not expiring within the next three months. For fleets, we will make mid-term adjustments to accommodate vehicle and coverage deletions.
Economical Renewals and cancellations Extending renewal terms by up to 120 days The Emergency Endorsement — Extension of Termination or Expiry Date is attached to most of our Business Insurance policies and extends the policy period if there is an emergency declared and there is a direct effect or impact on the insured, the insured site or insured property, or the operations of Economical or its agent/broker in the declared emergency area. Where the Declaration of Emergency wording applies, we will not cancel or lapse any of our business insurance policies while the endorsement is in effect, up to a maximum of 120 days. Premiums will be pro-rated for the additional time at expiring rates. If your customer already received a notice of non-renewal or termination from us with an effective date after the relevant declaration, it is deferred accordingly. We’re taking a proactive approach to support our customers during this time. For the immediate future due to the emergency situation, we have amended our Commercial Insurance rating approach to take into account the tough circumstances many commercial customers are facing.
Economical General Liability coverage Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
Economical NSF and payments Will offer flexibilty on a case by case basis We understand your Personal Insurance customers may experience financial difficulty during this time. As such, until further notice we will provide flexibility, on a case-by-case basis, for regularly scheduled withdrawals and instalments, including exploring suitable alternatives to the customer’s current billing schedule and methods.
Economical Personal vehicles used for delivery Will consider on a case by case basis for non-owned vehicles For customers looking to offer delivery services due to the impact of COVID-19, we will work to accommodate them on a case-by-case basis.
Economical Reducing revenues or coverage mid-term Will make mid-term adjustments to accommodate where possible For customers who are facing a material and substantial drop in business revenues due to the closures brought on by COVID-19, we will endorse the policy mid-term to reflect the up-to-date information as long as the policy term is not expiring within the next three months. For fleets, we will make mid-term adjustments to accommodate vehicle and coverage deletions.
Economical Vacated property Will maintain cover with minimal conditions We recognize that in some provinces, many businesses have been ordered to close due to the State of Emergency. During the State of Emergency, we will not consider locations unoccupied or shut down if they still contain enough insured property to conduct customary business (except for removal of perishable inventory or stock), as long as the owner is visiting the property a minimum of every seven days and proactively maintains a prudent level of care, control, and maintenance of the property — this includes adequately maintaining security systems and utilities.
Economical Reading-in off premises equipment Coverage extended to $5,000 Effective immediately, if a customer is insuring their equipment with us, and the form under which it is insured does not provide coverage when an employee takes equipment necessary to work off-site to another location, we will extend existing coverage to include that property up to a limit of $5,000 per occurrence. This coverage is being added at no extra charge. Any loss which occurs will be settled as if the property was still at the premises insured on the policy. Policy deductible, terms, and conditions still apply.
Economical Working from home Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
First Insurance Funding of Canada NSF and payments Being flexible and waiving NSF’s where appropriate Yes, we are waiving NSFs and late fees when appropriate.  We have not changed terms for renewals or new business unless the underlying risk has changed. As far as deferrals are concerned, an outright deferral isn’t possible.  We are evaluating every request and providing flexibility based on the current contract and the client’s individual circumstances.
Gore Mutual Business Interruption coverage All cases treated on their own merits Gore says: All claims will be reviewed and treated on their own merits. A dedicated claims team has been put in place for COVID-19 related issues.
Gore Mutual Childcare & Babysitting services Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
Gore Mutual Claims & Inspections Ready to process claims where relevant Gore says: Some of our policies include coverage that may respond to the COVID-19 outbreak. In those instances, we are ready to process claims in a timely manner. We will consider claims on a case-by-case basis and please make our team aware via your broker if you need specific support at this time. We are actively working on electronic claims payments and may need your help to facilitate implementing this as quickly as possible.
Gore Mutual Commercial Auto Commercial Autos now parked Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
Gore Mutual Renewals and cancellations Will review based on individual circumstances Gore says: We’re automating renewals and issuing policies based on existing information where appropriate. Our existing customers are our number one priority and we are ready to process renewals efficiently and with empathy for our customers’ individual circumstances.
Gore Mutual General Liability coverage All cases treated on their own merits Gore says: All claims will be reviewed and treated on their own merits. A dedicated claims team has been put in place for COVID-19 related issues.
Gore Mutual NSF and payments Offering flexibility and waiving NSF fees Gore says: Effective immediately, we are introducing new flexible payment options on a case-by-case basis including payment deferral up to one month without penalty. In addition to this, we are temporarily suspending all cancellations for non-payment and NSF fees until April 30, 2020. Requests for payment flexibility will follow our normal process. Call 1-800-265-8600 (Press 3) or email billingteam@goremutual.ca.
Gore Mutual Personal vehicles used for delivery Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
Gore Mutual Reducing revenues or coverage mid-term Prefer to flex payments Gore says: We have received requests to reduce liability coverage mid-term to reflect lower receipts. We have given this a great deal of consideration and we don’t believe it makes sense to make mid-term adjustments at this time, when we know our customers’ priority is payment flexibility. We realize the stark financial reality facing many of our customers, and we are ready to provide payment flexibility to reduce the short-term burden.
Gore Mutual Working from home Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
Gore Mutual Cyber coverage Unchanged Gore says: No requirement to notify or change practices in order for cyber coverage to remain in effect.
Hagerty Claims & Inspections Business as usual Hagerty says: Should you have a claim, our claims team is here for you and will continue to work hard to expedite the process and issue payment as quickly as possible.
Hagerty Renewals and cancellations Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
Hagerty NSF and payments Working flexibly with clients where possible Hagerty says: If you have been impacted by COVID-19 and are unable to pay your premium on time, please call us at +1 877-922-9701 to request a deferral of payment or discuss other billing options. You may continue to receive billing invoices and payment reminders, however, your coverage will not be interrupted due to nonpayment.
Hagerty Personal vehicles used for delivery Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
Intact Business Interruption coverage Likely excluded Intact says: Business Interruption coverages should not be triggered. To trigger coverage, our Profits and ALS forms (for example) both specify, “necessary interruption of the insured’s business caused by direct physical loss or direct physical damage by the perils insured against, to building(s), equipment or stock on the premises”. Contingent business interruption coverage also should not be triggered as contributing and recipient properties must be directly physically destroyed or directly physically damaged by a peril insured against.
Intact Reducing revenues or coverage mid-term Will adjust with 90 day review Certain customers are already facing dramatic downturns in their business. We will not adjust rates on these policies. Instead, we have adjusted our rating strategies on the most affected classes to be “as is” (for a 6-month term) and tempered increases on the remainder of the customers. Brokers may request reductions based on the new reality of the customer. We envision the following as most commonly requested to reduce premiums for customers mid-term: reductions in revenue, receipts, payroll and parking of vehicles. We will abeyance the policy for 90 days to follow up with broker to review if the situation is still applicable.
Intact Commercial Autos now parked Can adjust if vehicles laid up Intact says: Underwriters will work with our brokers to support customers, greatly impacted by the COVID-19 crisis, that are deleting vehicles or coverages during this period.
Intact Childcare & Babysitting services Will extend coverage Intact says: For existing customers who will be temporarily providing childcare or babysitting services to a reasonable number of children in order to assist families impacted by COVID-19, during the immediate crisis period we will extend coverage to this exposure at no charge.
Intact Personal vehicles used for delivery Permitted during this crisis period Intact says: For existing customers only, whose livelihoods and businesses have been directly impacted by COVID-19, during the immediate crisis period we will allow them to use their personal vehicles for the purposes of delivering food and other products.
Intact NSF and payments Waived fees, avoiding cancellations where possible. Will support payment deferrals. Intact says: Our goal is to alleviate worries and provide flexible measures to customers who are in a vulnerable position as a result of this crisis. Our plan will be to focus on people most affected, or ill as a result of the virus, in addition to those faced with job loss from business shutdowns in the most affected sectors. Effective today, Accounts Receivables will be introducing new flexible payment options for vulnerable customers on a case-by-case basis.
Intact Renewals and cancellations Supporting renewals where possible with targetted rate accomodation strategies “Intact says: we realize some commercial customers may concerned about renewals, payments, and changes to their policy due to changes in their business circumstances and other concerns. Our goal is to alleviate worries and provide flexible measures to customers who are greatly impacted by this crisis. We will do this by:

  • Adjusting our rate strategies for the most affected classes and tempering increases for the remainder of our customers upcoming renewals;
  • Providing pro rata relief where customer’s revenue, receipts, payroll or commercial vehicle use are significantly reduced, on a case-by-case individual policy basis;
  • Helping customers focus on their core business by minimizing our current renewal information requirements and work with you to offer renewals to all possible customers.

If we have informed your broker of our intention to lapse a policy because of our underwriting, we expect that the broker is placing the customer with another insurer. If the broker is unable to place the Intact nonrenewal with another market, we will extend the policy up to 90 days. The policy will be put on abeyance at least 15 days prior to expiry to revisit with the broker.”

Intact Claims & Inspections Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
Intact General Liability coverage Will review each case on its merits Intact says: Given how unique each commercial claim may be, particularly with regards to allegations of negligence and liability, as we recommended in our March 20th bulletin, we cannot provide advice as to coverage for a potential or actual claim without the assessing the specifics. The applicable policy language, the facts of the claim and an understanding of the applicable law all need to be considered together. We encourage you to contact us on any suspected claim, on behalf of your client. Intact’s Claims Department will always provide the necessary support to see the customer through the process.
Intact Working from home Will be accomodated with no changes Temporarily doing office work from home, to accommodate for COVID-19, when you normally work in another location is not considered a ‘business purpose’. The incidental office use or telework endorsements are not required.
Markel Business Interruption coverage Unknown Watch this space – we’re reaching out to all our insurers to continually build an up-to-date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
Markel Childcare & Babysitting services Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
Markel Claims & Inspections Open for business as usual Markel says: We remain in close contact with our third party vendors, where engaged, and have ensured they have comprehensive Business Continuity Plans in place. Our claim notification contact information and processes remain unchanged. For further information or to report a claim, please contact the Markel Canada Claim team by email at canadaclaims@markel.com, by telephone at (416) 601 1133, or in the event of an after-hours emergency at (877) 243 2875.
Markel Commercial Autos now parked Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
Markel Renewals and cancellations Normal renewal process will apply Markel says: Renewals will not automatically be extended. Given the prevalence of electronic, proactive communications, our aim is to treat renewals as business as usual. Extensions can be discussed and considered on a case by case basis, based on the discretion of our underwriting team. Expiring renewals will not be lapsed without written confirmation to, and acknowledgement by, the broker; Also, there will not be a change to our backdating procedures, and each will be handled on a case-by-case basis as was done previously.
Markel General Liability coverage Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
Markel NSF and payments Will review on a case by case basis and be flexible where possible Markel says: Issues of non-payment will be offered additional time to be resolved to the extent possible. Both our underwriting and finance teams will contact the broker a number of times before proceeding with a cancellation for non-payment. Our staff will be as flexible as possible with regard to circumstances affecting our customers and/or our brokers’ ability to contact customers and secure payment.
Markel Personal vehicles used for delivery Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
Markel Reducing revenues or coverage mid-term Prefer to maintain “as is” Markel says: As an organization, we feel strongly that limits of coverage should be maintained, and, in addition, that all lines of coverage should be kept in force. A temporarily “dormant” business has continuing liabilities due to previous operations, products or completed operations, or liabilities arising out of contracts, leases and the like. If considering reducing coverage brokers must ensure that they’re prepared to resume full coverage once necessary; we will not review coverage for adequacy in future, or abeyance to review limits.
Markel Working from home Unknown  
Portage Mutual Business Interruption coverage Not covered Portage says: During these uncertain times while certain exposure will seemingly go down, other exposures increase (i.e. exposure to water damage at an unoccupied premises, or liability for damage to adjacent property).
Portage Mutual Childcare & Babysitting services Acceptable Portage says: Temporary child care or babysitting is accepted and no action should be taken. Should this become permanent, we do offer a Home Daycare product for a limited number of children as a home based business.
Portage Mutual Claims & Inspections Inspections suspended Portage says: Property inspections have been suspended during this period. No changes have been made to claims process and they will be proactively managed as usual.
Portage Mutual Commercial Autos now parked All cases treated on their own merits Portage says: All cases will be reviewed and treated on their own merits.
Portage Mutual Renewals and cancellations All cases treated on their own merits Portage says: All cases will be reviewed and treated on their own merits.
Portage Mutual General Liability coverage All cases treated on their own merits Portage says: Each claim will need to be examined individually to determine coverage.
Portage Mutual NSF and payments Options may be available Portage says: Options may be available on a case by case basis.
Portage Mutual Personal vehicles used for delivery No change Portage says: Portage do no permit personal vehicles to be used for the purpose of food delivery.
Portage Mutual Reducing revenues or coverage mid-term All cases treated on their own merits Portage says: All cases will be reviewed and treated on their own merits.
Portage Mutual Working from home Acceptable Portage says: Temporarily working from home during this period is acceptable provided there are no clients visiting the premises.
Portage Mutual Cyber coverage No change Portage says: No requirement to notify or change practices in order for cyber coverage to remain in effect.
RSA Business Interruption coverage Unlikely to be covered RSA says: Standard business interruption policies require some form of property damage to apply. As a result, even where a business is shut down due to a government edict, there would be no cover. RSA’s Core Wordings require there be direct physical loss, destruction or damage to insured buildings or contents at an insured premises caused by an insured peril in order to trigger coverage. With respect to Civil Authority coverage: This clause requires there be damage to neighboring premises by a peril insured that causes a civil authority to prohibit access to your property. There would be no coverage related to COVID-19 as there is no physical damage present to trigger coverage. With respect to Contingent Business Interruption: CBI coverage is meant to protect against economic losses stemming from supply chain disruptions resulting from physical damage on the premises of a named supplier of the insured meaning disruptions due to COVID-19 would not be covered. RSA wordings all require there be insured physical damage to trigger coverage.
RSA Childcare & Babysitting services Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
RSA Claims & Inspections Inspections and surveys suspended. Claims teams open for business as usual RSA says: With immediate effect, we have decided that all external surveys/inspections will be suspended until further notice. There may be exceptional circumstances in which a survey/inspection cannot be postponed to a later date. We are working on this at present and will advise once we have landed on a solution. We will review over next few weeks and change/adjust plans as necessary including extending the suspension period for site visits. Working with our partner vendors, we have temporarily suspended in-person commercial surveys and are reviewing our options with respect to obtaining key underwriting information.
RSA Commercial Autos now parked Will adjust as per normal procedure Midterm 21B policies will be adjusted at the policy term as per the wording and standard procedure.
RSA Renewals and cancellations No automatic extensions, but will consider extending on a case by case basis “RSA says: We are aware that different insurers are currently taking varying positions with respect to enacting The Declaration of Emergency Endorsement (please note, this does not apply to Quebec). At this time, RSA Canada is not applying the Endorsement automatically for all renewals; the majority of our policies will continue to be issued and customers will receive their renewals and continue coverage. For those cancellations where the customer can demonstrate they were directly impacted by the emergency, we will consider the specific request on a case by case basis. The majority of our policies will continue to be issued and policyholders will receive
their renewals in the usual manner.”
RSA General Liability coverage Claims will be considered on a case by case basis RSA says: With respect to RSA base CGL forms (57300, 57700, 57400), we do not have a specific exclusion for Communicable Disease; however, depending upon the allegations of a given claim, other base exclusions may apply. For any claim as a first step, allegations must fall within the insuring agreements, i.e. bodily, property damage, etc. for which the insured is legally obligated. Movement beyond the insuring agreements would be dictated by the exclusions, conditions and definitions.
RSA NSF and payments Waiving NSF fees RSA says: Our teams are fully staffed and customers and brokers should call to discuss any concerns with payment and cancellations as they relate to COVID-19. With respect to Non-sufficient Funds (NSF) fees, as government restrictions continue to impact the personal household finances of Canadians, including RSA customers, we have made the decision to waive our fees for NSF until further notice for all Personal and Small Commercial policies.
RSA Personal vehicles used for delivery Community related support is accepted. Commercial delivery is not RSA says: Helping neighbours as a volunteer is a wonderful way to assist the community and the customer will continue to have auto coverage when doing so. However, food delivery on a commercial basis (ie. UberEats, Foodora, Skip the Dishes or any other delivery service performed for any business including the grocery store or pharmacy) is not covered under the personal auto insurance policy. Commercial auto coverage is required even for short term ventures of this nature, however this type of high risk exposure is outside of RSA’s Commercial auto appetite as well.
RSA Reducing revenues or coverage mid-term No adjustments due to reducing exposure, but will consider coverage reductions on a case by case basis RSA says: Given the current situation, customers are understandably looking for areas of cost reduction and potentially new avenues of revenue stream. For all change requests, we will continue to underwrite according to standard underwriting practices, guidelines and authority. Coverage reductions (usually limits for GL) and cancellations, are not likely in the best interest of insureds, and thus not recommended. In order to proceed with any change requests, we will need to obtain written confirmation from brokers that the ramifications of the coverage change have been clearly outlined in writing to the insured. RSA will not be making any mid-term adjustments based on declined exposure. The usual underwriting practice associated with premium adjustments is to apply, i.e., on expiry of a policy term.
RSA Working from home Home insurance will continue as normal People who are required to work from home due to the current situation with COVID-19 are covered. This is an extra-ordinary situation where everyone is doing what is needed to help.
RSA Vacated Property Vacant coverage extended 30 days RSA’s standard wording provides 30 days of coverage automatically; for those areas of the country where businesses are being forced to close we will allow an additional 30 days (60 days in total), for vacant or unoccupied risks during this pandemic. Claims are being apprised of this extension to the standard policy for vacancy or un-occupancy. There remains an expectation that customers take action to protect their property as best they can.
SGI Business Interruption coverage Likely excluded SGI says: SGI CANADA’s Business Interruption Coverage does not respond to pandemics such as COVID-19. Business Interruption coverage requires the following conditions for a recoverable loss: 1) Direct physical damage, 2) to insured property, 3) caused by the perils insured against, 4) resulting in quantifiable business interruption loss, 5) during the period of time it takes to restore the damaged property. A virus outbreak that does not allow staff to operate the business does not qualify as direct physical damage to the facility. In addition, our Business Interruption and Contingent Business Interruption coverages do not include an extension for “infectious disease outbreaks/notifiable diseases.”
SGI Renewals and cancellations Policies will not be non-renewed / cancelled SGI says: This means that there will be no cancellation of policies for SGI CANADA personal lines and commercial property policyholders, if their policy expires during the Emergency situation or due to non-payments during the Emergency situation, for a period of up to 30 days past the end of the Emergency situation. However, in no event will the extension be more than 120 days in total, following the expiry or termination.
SGI Childcare & Babysitting services Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
SGI Claims & Inspections Business as usual Customers can continue to report claims over the phone, by email or online. Please note that wherever possible, our claims staff will work to resolve issues over the phone, via email and online channels to limit in person contact.
SGI Commercial Autos now parked Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
SGI General Liability coverage Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
SGI NSF and payments Seeking to be flexible including one month deferrals on request SGI says: If you are struggling financially as a result of COVID-19 impacts, we will work with you to find solutions. Payments may be deferred for up to one month, or spread out over the remaining payments on your policy. Alternately, you may switch payment plans with no financial penalty. If you already make payments directly to SGI CANADA, you can call us directly at 306-751-3375 or email us at directbill@sgicanada.ca. If you make payments to your insurance broker, you will need to contact your broker to discuss alternate arrangements.
SGI Personal vehicles used for delivery Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
SGI Reducing revenues or coverage mid-term Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
SGI Working from home Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
The Commonwell Business Interruption coverage Unlikely to be covered The triggers of coverage require physical damage to the building by an insured peril for business interruption to take effect. This pandemic will not trigger business interruption coverage.
The Commonwell Childcare & Babysitting services Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
The Commonwell Claims & Inspections Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
The Commonwell Commercial Autos now parked Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
The Commonwell Renewals and cancellations Will avoid cancellations wherever possible and remove short-rate fees We will make our best efforts to avoid policy cancellations for non-payment of insurance premiums until further notice. Policies where a payment delinquency has occurred will continue to receive registered notice advising of the non-payment. We will continue to utilize our existing termination letters as a foundation for notice with an attached buck-slip advising the waiving of NSF fees and to contact us immediately for payment of the missed deduction. We will not terminate the policy as per the notice, however payment is due, and we will work with our member on remittance options. We will not charge short rate cancellations fees for mid-term policy cancellations. We trust that you advocate the need to maintain insurance, however should a mid-term cancellation be required by our member, we will do so pro-rata.
The Commonwell General Liability coverage Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
The Commonwell NSF and payments Will waive NSF fees and may look at payment deferrals We will waive The Commonwell NSF fee for delinquent payments (non-payments). Some members may require additional relief. On a case by case basis, we may be able to provide a deferral of payment of up to one month in advance of a payment delinquency
The Commonwell Personal vehicles used for delivery Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
The Commonwell Reducing revenues or coverage mid-term Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
The Commonwell Working from home Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
The Commonwell Cyber coverage Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
The Commonwell Vacated property Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
The Commonwell Reading-in off premises equipment Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
Travelers Business Interruption coverage Unlikely to be covered Travelers says: Business Interruption coverage is triggered when a policy holder suffers a loss of income due to direct physical loss, or damage to covered property at its location or another location. It does not cover: loss of income due to market conditions; a slowdown of economic activity; or a general fear of contamination. Nor does the policy provide coverage for cancellations, suspensions and shutdowns that are implemented to limit the spread of the coronavirus. If there has been direct physical loss or damage to property, the policy may contain exclusions. A common exclusion is for losses resulting from a virus or bacteria, which would include coronavirus.
Travelers Childcare & Babysitting services Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
Travelers Claims & Inspections Claims support available as normal. Inspections temporarily paused. “We are committed to responding to our customers’ claim needs with speed, compassion, integrity and professionalism. You can make a claim at any time by visiting our claim centre. We are adjusting our inspection process by leveraging our extensive inventory of virtual tools and taking extra precautions if an in-person inspection is needed.

We are focused on the safety of our customers, employees and vendors. Effective March 25, 2020, we are temporarily pausing all dwelling inspections. We will notify you of any inspection requests that will be ordered later. Inspections that were completed before March 25, 2020, will follow our standard practices and procedures. Any recommendations or necessary repairs contained within the inspection report should be discussed with your broker.”

Travelers Commercial Autos now parked Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
Travelers Renewals and cancellations Will consider on a case by case basis Travelers did not adopt the formal IBC Declaration of Emergency endorsement in our personal and business insurance property wordings. We will consider extensions on a case-by-case basis due to COVID-19.
Travelers General Liability coverage Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
Travelers NSF and payments Working flexibly with clients where possible Travelers says: We know there may be customers who are financially affected by the actions being taken to reduce the spread of the virus, and we’re here to help. Please contact us or your broker, and we’ll work through the situation together.
Travelers Personal vehicles used for delivery Unknown Watch this space – we’re reaching out to all our insurers to continually build an up to date view on what they are doing. We’ll update this as soon as we can. Thanks for your patience.
Travelers Reducing revenues or coverage mid-term Will consider on a case by case basis with appropriate documentation Travelers says: We know that many of our customers have been hit hard by the COVID-19 pandemic. Some are experiencing temporary shut downs, laying off employees or storing vehicles. We will be thoughtful and consider each request individually. For any request, we will require the appropriate documentation.
Travelers Signature requirements Electronic signatures supported Travelers says: Currently, we still require signed applications due to consent language necessary to order reports such as credit, AutoPlus and Motor Vehicle Report (MVR), as well as a signature on the APA form due to Canadian federal regulations. As a reminder, we continue to support electronic signatures as outlined in our E-Contracting Guideline. This guide is currently stored on the Broker Portal and we have made this available on our COVID-19 microsite on travelerscanada.ca. We will also support electronic signatures for APA forms on a temporary basis. If you do not have e-contracting capabilities, required forms can also be sent by mail or email, if appropriate. Customers can return the forms by mail or email using either a scanner or taking a picture with a cell phone and emailing them to you.
Travelers Working from home Coverage will flex to allow this No additional coverage or endorsements are needed. Temporarily performing office work from home due to COVID-19 restrictions, when a policyholder normally works in another location, is not considered business use. The Incidental Office Use or Home Business endorsements do not need to be added to the policy, and additional premium does not apply.
Travelers Vacated property Will consider amending vacancy provisions on request Travelers says: These definitions can vary based on the policy wording. Some policies contain provisions for vacancy of up to 60 days however terms and conditions may vary. As a result, we will consider an amendment to the vacancy provision on a case-by-case basis.
Wawanesa Business Interruption coverage Likely excluded Wawanesa says: Generally, Commercial insurance policies and traditional Business Interruption policies do not offer coverage for Business Interruption or supply chain disruption due to a pandemic such as COVID-19. 
Wawanesa Childcare & Babysitting services Will extend coverage Wawanesa says: For existing policyholders who will be temporarily providing childcare or babysitting services in order to assist families impacted by COVID-19, we will extend coverage to this exposure at no extra charge. Please note this extension is limited to instances where the number of additional children (not already insured under the policy) does not exceed five (5) and only for the duration of the “emergency”.
Wawanesa Claims & Inspections Suspended on-site and home visits. Will extend auto rentals and ALE as appropriate. Wawanesa says: Home and on-site visits by our claims team have been temporarily suspended. We are fully confident in our ability to leverage video and photo technology, along with vendor partner and Independent Adjuster support to continue providing exceptional claims service to our policyholders.  Wawanesa will extend auto rentals and ALE (additional living expense) limits on existing claims to make sure our policyholders are not disadvantaged when unable to have their property repaired or made useable during this pandemic. We will also pause all loss control inspections for commercial lines.
Wawanesa Commercial Autos now parked Can adjust if vehicles laid up Wawanesa says: If a policyholder’s business is required to park their commercial vehicles due to the COVID-19 crisis our underwriters will work with you to support your customers that wish to delete or amend coverage during this time.
Wawanesa Renewals and cancellations Policies will not be non-renewed / cancelled Wawanesa says: Wawanesa have invoked / accepted COVID-19 as a declaration of emergency and will therefore trigger appropriate clauses in their policy around term extension. Policyholders will still be asked to pay the additional premium for extensions. It protects policyholders by extending the termination of their policy by the Insurer (Wawanesa) when an “emergency” has been declared and they are unable to renew their expiring insurance coverage with Wawanesa or another insurance company. Use of the Declaration of Emergency Endorsement extends the expiring policy and its terms and conditions. The policy period will be automatically extended, or the effective date of the cancellation will be suspended, until the “emergency” is over plus the lesser of: 30 days; or the total number of days the “emergency” order was in effect; subject to a maximum of 120 consecutive days.
Wawanesa General Liability coverage Included Wawanesa says: For policyholders who have purchased our Commercial General Liability coverage, this policy form has no pandemic exclusion. Coverage will respond to allegations of negligence related to the pandemic, subject to the terms and conditions of the policy wording.
Wawanesa NSF and payments Waived fees, avoiding cancellations where possible. Will support payment deferrals. Wawanesa says: We realize this situation is evolving rapidly and some of our policyholders will have their personal household finances impacted. To assist, we will be waiving Non-sufficient Funds Fees (NSF) until further notice. We anticipate that we will do so until at least May 25, 2020.  We will make every attempt to avoid policy cancellations for non-payment of insurance premiums until further notice. We anticipate that this will be until at least May 25, 2020. Some policyholders may have financial difficulty over the coming months. We will support the deferral of payments on a case by case basis.
Wawanesa Personal Vehicles used for Delivery Will support in described circumstances For existing customers only, whose livelihoods and businesses have been directly impacted by COVID-19, during the immediate crisis period we will allow them to use their personal vehicles for the purposes of delivering food and other products. This period began March 16th and will be valid until further notice.
Wawanesa Reducing revenues or coverage mid-term Will adjust with 90 day review Wawanesa says: If a policyholder’s business is greatly impacted by the COVID-19 crisis and revenues are expected to substantially reduce, we will endorse the policy mid-term to reflect updated information used for rating. Our underwriters will review the policy again in 90 days following the mid-term endorsement to review coverage and exposure.
Wawanesa Working from home Covered under homeowners up to $5K Wawanesa says: Many policyholders are working from home specifically due to remote workforce requests or social distancing as a result of the COVID-19 pandemic. These instances fall within our standard Personal Liability and do not require the addition of an Incidental Office Use acknowledgement on a policy. Our Personal Property wording provides up to $5,000 in coverage for Business Property on Your Premises.
Wawanesa Vacated property   Property is considered vacant if the insured has no plans to return. We will not consider the following instances as vacant: (a) Commercial buildings where business is temporarily halted or closed due to the COVID-19 pandemic; (b) Seasonal or Secondary Dwellings where policyholders are restricting their movements in response to the COVID-19 pandemic and will therefore not be visiting the dwelling as often as they normally would. Policyholders should still be aware of restrictions regarding water damage due to freezing during the regular heating season when they are away from their property for more than 4 consecutive days.

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