Coronavirus and Your Insurance Coverage


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 you or your business as a result of the coronavirus pandemic.

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How Will Your Insurer Support You Through the Pandemic?

Last updated: May 14th, 2020, 11:19pm EST

The coronavirus pandemic has numerous potential effects on individuals and businesses across Canada. We’ve collated answers provided by insurers to the most common questions that Canadians are asking about insurance during the COVID-19 crisis. The situation is very fluid and we are doing our best to keep this up-to-date as we get new information. This should be seen as a guide only. For a more definitive answer to how your insurer is likely to respond to different situations, please contact your insurance broker or insurer directly.

For feedback and updates: If you’re unsure about how your insurance company is responding to Coronavirus-related claims, or are an insurer with COVID-19 coverage updates, please send us an email at commercial@mitchellwhale.com.

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Insurer Service/Coverage Response Insurer Comments
Aviva Business Interruption coverage Reviewed case by case Aviva will be reviewing each case on its merits, but also point out that business interruption coverage is primarily 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 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 Aviva Price Promise is freezing premiums in many cases. Policies will not be non-renewed / cancelled Aviva is freezing premium increases at renewal in many instances (certain customers may not qualify). 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 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. 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 for up to 90 days with no additional fee or penalty. 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 Aviva will consider on a case by case basis Typically this would not be covered by a standard personal auto policy. However, specifically during the COVID-19 pandemic, if a customer is now driving their own vehicle to deliver food or medical supplies to those in need, we’ll underwrite these on a case-by-case basis. In these situations, call your broker and they will apply to Aviva on your behalf. In addition, carrying passengers for compensation is not included in this temporary allowance.
Aviva Personal auto parked and no longer in use Save up to 75% by applying Aviva’s new #StayHome endorsement Customers who have stopped driving entirely can reduce their auto insurance premiusm by up to 75% by applying Aviva’s new #StayHome endorsement. If your vehicle is off the road, parked and safely stored, you can apply for a reduction in coverage to comprehensive only and receive savings of up to 75% per month on average. This means there will be no cover for any collision, liability, accident benefits, direct compensation – property damage (DCPD) or uninsured auto. Your coverage will not automatically resume when this Declaration of Emergency period is over and you must request for your current coverage to be reinstated. Please also note that if you are leasing or financing your vehicle, the lienholder may not permit this reduction in coverage. Please call your broker if you want to apply for this reduction of coverage.
Aviva Personal auto no longer used for commuting but still in use You can apply for savings of a minimum of 15% of your monthly premium if you are using your vehicle less as a result of COVID-19

Aviva have also introduced new discounts for drivers who are using their vehicles less as a result of COVID-19.

Beginning May 5, 2020, customers who notify us that they’re driving less than before will see a temporary minimum rate reduction of approximately 15% per vehicle. This is an extension of our previous announcement where we were offering a rate reduction of up to 15%.

For customers who inform us that they’re driving less, we’re also removing the requirement for them to notify us once their driving situation has changed and instead will apply the rate reduction for 90 days automatically for all changes effective prior to May 31, 2020.

These changes apply to Ontario only. We’re also looking at potential enhancements to our premium reductions in other provinces, and will provide an update on this in the coming days.

Aviva Rate relief strategy Aviva are taking a number of actions including a #StayHome endorsement to save money on your auto and new discounts if you are driving your vehicle less as a result of COVID-19

In addition to Aviva’s #StayHome endorsement designed for customers no longer using their vehicles, Aviva have also introduced new discounts for drivers who are using their vehicles less as a result of COVID-19.

Beginning May 5, 2020, customers who notify us that they’re driving less than before will see a temporary minimum rate reduction of approximately 15% per vehicle. This is an extension of our previous announcement where we were offering a rate reduction of up to 15%.

For customers who inform us that they’re driving less, we’re also removing the requirement for them to notify us once their driving situation has changed and instead will apply the rate reduction for 90 days automatically for all changes effective prior to May 31, 2020.

These changes apply to Ontario only. We’re also looking at potential enhancements to our premium reductions in other provinces, and will provide an update on this in the coming days.

Aviva Reducing revenues or coverage mid-term Will not reduce on casualty but will consider on stock / equipment 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 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>

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 business to exceed the vacancy period during the Declaration of Emergency period. With regards to property rented out on a short-term basis, e.g. airbnb, Aviva does not expect existing customers to attend the secondary location if unable due to travel restrictions or health issues during the emergency period.
CAA Insurance Personal vehicles used for delivery Use for delivery is accepted during this period Coverage will continue to be provided to customers temporarily using their car or home differently (for example, using your car to commute to work instead of taking public transit, or working from home) with no impact on premiums or ability to make a claim. There will be no impact for customers who are using vehicles for uber eats or skip the dishes deliveries or who are using vehicles to deliver groceries, meals, community services, good Samaritan uses – either paid or unpaid. This does not apply to those transporting people through ride share programs.
CAA Insurance NSF and payments 10% rate reduction on offer, with flexibilty around payments and waived NSF fees CAA will be offering a 10% rate reduction ofr their home and auto insurance customers. In addition, CAA will be waiving NSF fees charged if you have insufficient funds available to cover your premium. In addition, CAA will be exploring flexible payment options for those in a vulnerable position or facing financial hardship.
CAA Insurance Personal auto no longer used for commuting but still in use 10% rate reducton on offer, with options such as CAA MyPace where premiums reflect mileage driven CAA is offering a 10% rate reduction for their auto and home insurance customers. In addition, CAA Insurance has been able to help consumers save money on their insurance premiums since the launch of CAA MyPace in 2018. The first-of-its-kind program in Canada, gives consumers more choice and control, by allowing motorists to monitor how much they are driving and to pay for auto insurance based on that mileage. Customers switching to CAA MyPace due to a shift in driving habits, can decide to return to a traditional CAA Insurance policy with no fees or penalties once COVID-19 physical distancing measures are over, and higher mileage needs return.
CAA Insurance Personal auto parked and no longer in use 10% rate reduction on offer, with options such as CAA MyPace where premiums reflect driving behaviours A $100 Relief Benefit will be automatically applied to your automobile policy, provided its effective date is prior to May 1, 2020. Note that the benefit will not be applied to cancelled policies or property policies. The benefit has been designed to recognize the possible change in your driving distances. No action on your part is required. You will receive a letter in the coming weeks outlining the details of this initiative. Payments will be processed as follows: If you have paid your policy in full, you will receive a $100 cheque in the mail; If you are on the monthly payment plan, the $100 benefit will be applied to the policy and spread out over your remaining unpaid installments. Processing of this relief payment will take place during the months of June through to August, 2020 The benefit applies per policy, not per household. This is on top of a 10% rate reduction automatically applied to all auto policies.
CAA Insurance Rate relief strategy $100 cheque to be sent to all customers on top of 10% rate reduction CAA is offering a 10% rate reduction for their auto and home insurance customers. In addition, CAA Insurance has been able to help consumers save money on their insurance premiums since the launch of CAA MyPace in 2018. The first-of-its-kind program in Canada, gives consumers more choice and control, by allowing motorists to monitor how much they are driving and to pay for auto insurance based on that mileage. Customers switching to CAA MyPace due to a shift in driving habits, can decide to return to a traditional CAA Insurance policy with no fees or penalties once COVID-19 physical distancing measures are over, and higher mileage needs return.
Coachman Personal auto parked and no longer in use You can apply to reduce coverage to Comprehensive only Coachman Insurance will reduce vehicle coverage to Comprehensive only if the vehicle is no longer being driven. This means there will be no cover for any collision, liability, accident benefits, direct compensation – property damage (DCPD) or uninsured auto. In order to qualify, you must sign a request to confirm your instructions, provide a photo of your current odometer reading and in some cases, photos of the 4 sides of your vehicle. Your coverage will not automatically resume when this Declaration of Emergency period is over and you must request for your current coverage to be reinstated. Please also note that if you are leasing or financing your vehicle, the lienholder may not permit this reduction in coverage. Please call your broker if you want to apply for this reduction of coverage.
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 you 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 and waive NSF fees for personal lines We recognize a large number of Canadians are dealing with new realities and vulnerabilities related to COVID-19. We are continuing to 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. Until further notice, we are continuing to waive NSF fees because of COVID-19 and after a review of any prior payment issues. In regards to commercial auto, we will consider temporary premium deferral on case-by-case basis.
Economical Personal auto parked and no longer in use You can apply for a Coverage Suspension endorsement Economical Insurance will reduce vehicle coverage to Comprehensive only or apply a Coverage Suspension endorsement if the vehicle is no longer being driven. This means there will be no cover for any collision, liability, accident benefits, direct compensation – property damage (DCPD) or uninsured auto. Your coverage will not automatically resume when this Declaration of Emergency period is over and you must request for your current coverage to be reinstated. Please also note that if you are leasing or financing your vehicle, the lienholder may not permit this reduction in coverage. Please call your broker if you want to apply for this reduction of coverage.
Economical Personal auto no longer used for commuting but still in use Watch this space We’re quickly putting processes in place to align with IBC’s direction for rate adjustments, to reflect the reduced risk for those customers whose driving habits have changed significantly.
Economical Personal vehicles used for delivery Will consider on a case by case basis for non-owned vehicles For business 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. Should a personal auto customer suffer a motor vehicle accident while traveling in their personal vehicle to deliver necessary supplies to a neighbour, provided the vehicle was not in use as part of a business and/or as a paid service, all auto coverages would apply.
Economical Rate relief strategy Economical have introduced a wide range of relief measures for their clients

“We’re continually finding ways to help customers through this critical time. Earlier this month we shared an update on flexible payment options, waiving NSF fees, and supporting customers who are using their car or home differently. To offer further relief to customers who are driving less, we are putting the following additional measures in place.

New: Enhanced annual kilometers discount: On May 1, 2020, customers who are driving less will be able to have their annual kilometres amended and receive on average, up to 15% off their premium until June 30, 2020. This discount is only available for existing customers and will be applied immediately following the policy change. You can backdate this change a maximum of 30 days to align with both your binding and system authority.

Rate relief for renewal rate increases coming soon: We’re pleased to offer additional premium relief to customers who have personal property or auto policies renewing between April 1 and June 30. We recognize the financial challenges many are facing. As a result, we will limit the rate increase portion of those renewals to a maximum of 10%. As our systems have already quoted these renewals, the premium relief will come in the form of a credit to the policy. This credit will represent the amount of rate increase over 10% for the period between the effective date of the renewal and June 30.

Our existing measures including payment flexibility, and more, remain in place to help provide relief for Canadians who are struggling.

With regards to business insurance, we have taken a series of actions to help businesses:

  • Rate changes: In response to the emergency situation, we have amended our commercial insurance rating approach to take into account the tough circumstances many commercial customers are facing. During the declaration of emergency period, renewal rate changes will be reduced and capped for small and medium enterprise, fleet, and farm customers.
  • Mid-term premium adjustments: For customers who are facing more than a 30% drop in business revenues due to the closures brought on by COVID-19, we will endorse policies with at least three months remaining mid-term to reflect the up-to-date information. This will help make insurance premiums more affordable for customers who have experienced a substantial drop in revenues. Acknowledging that many fleet vehicles are currently not in use as a result of the pandemic, we are working with brokers who request 21B adjustments to reflect these parked vehicles via premium adjustments.
  • Business pivots: We are committed to providing flexible underwriting solutions for businesses that are retooling their operations to support COVID-19 relief efforts. Additionally, if a business is now offering delivery as a result of COVID-19, we will work with the broker to accommodate coverage for non-owned auto on a case-by-case basis. We’ve also added coverage for off-premises equipment at no extra charge for customers whose employees take equipment necessary to work off-site to another location, extending existing coverage to include that property up to a limit of $5,000 per occurrence.
  • Vacancy: During this State of Emergency, customers can rest assured that if their business is closed due to COVID-19, we won’t consider it vacant or unoccupied as long as the owner visits the property a minimum of every seven days, keeps enough non-perishable stock/inventory to conduct regular business, and proactively maintains a prudent level of care, control, and maintenance of the property — this includes adequately maintaining security systems and utilities.”
Economical New update: Reducing revenues or coverage mid-term Will make mid-term adjustments to accommodate where possible For customers who are facing more than a 30% drop in business revenues due to the closures brought on by COVID-19, we will endorse policies with at least three months remaining mid-term to reflect the up-to-date information. This will help make insurance premiums more affordable for customers who have experienced a substantial drop in revenues. For fleets, we will make mid-term adjustments to accommodate vehicle and coverage deletions. Acknowledging that many fleet vehicles are currently not in use as a result of the pandemic, we are working with brokers who request 21B adjustments to reflect these parked vehicles via premium adjustments.
Economical New update: Vacated property Will maintain cover with minimal conditions During this State of Emergency, customers can rest assured that if their business is closed due to COVID-19, we won’t consider it vacant or unoccupied as long as the owner visits the property a minimum of every seven days, keeps enough non-perishable stock/inventory to conduct regular business, and proactively maintains a prudent level of care, control, and maintenance of the property — this includes adequately maintaining security systems and utilities.
Economical Insuring business equipment at home 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 No action required – home insurance will continue as normal If a personal property customer is temporarily working from home, that this is not considered “business purpose,” so no additional endorsement is needed
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.
Frank Cowan Company Business Interruption coverage Will not be triggered Business Interruption coverage will not be triggered. To trigger business interruption coverage a necessary interruption to the Insured’s business must be caused by a direct physical loss or damage to insured building(s) or other property subject to the policy terms and conditions. With regards to contingent business interruption coverage, contributing and recipient properties must be directly physically destroyed or directly physically damaged by a peril insured against.
Frank Cowan Company Reducing revenues or coverage mid-term Will consider on a case by case basis Some clients have been deemed an essential service and while they are changing the way they do business, they haven’t changed the essence of their exposure, while other clients have had to close their operation entirely. We are seeing a wide spectrum of different circumstances. We will work with brokers and clients where relevant to adjust the rating exposure base where it significantly changes the annual exposure basis. Please contact your broker to discuss any options.
Frank Cowan Company Vacated property Normal terms and conditions apply Our property wording excludes coverage for buildings or other property when operations cease or have closed down for more than 120 consecutive number days. During this time, it is important that clients continue to maintain and monitor facilities regularly. Clients should check their policy for coverage details as well as all other terms and conditions.
Frank Cowan Company General Liability coverage Will review on a case by case basis We cannot accurately provide advice as to coverage for a potential or actual claim without the policy language, the facts of the claim and an understanding of the applicable law. We cannot provide advisory coverage positions without a claim. Insureds should follow the policy’s directions for submitting a claim and the Claims Department will commence an investigation.
Frank Cowan Company Renewals and cancellations 30 day extensions may be available on a case by case basis We understand that some clients may be difficult to connect with or have some interruptions given the current circumstances. Our ability to issue renewals has not been impacted, however in the rare case a client does not receive their documents or is unable to properly manage their renewal due to the current crisis, we will provide an extension to specialty programs accounts for 30 days at existing rates.
Frank Cowan Company Claims & Inspections Business as usual Frank Cowan Company’s Risk Management department is fully operational and safely working from home. They are available to answer risk management questions, review contracts or Skype into meetings. Our Loss Control Team of Inspectors are working with brokers and clients to reschedule or postpone inspections as needed. We are also working with our association partners and participating virtual training sessions where we can.
Gore Mutual Business Interruption coverage Typically no coverage for all but a limited number of hospitality customers On the vast majority of our commercial lines policies, there is no coverage for business interruption losses relating to COVID-19. However, a limited number of hospitality customers with unique extensions to their policies may be eligible for coverage subject to the terms and conditions of the policy wording. If coverage exists, we will of course honour individual claims on a case-by-case basis. Claims should be submitted in the usual way.
Gore Mutual Childcare & Babysitting services Will consider on a case by case basis Gore can review and consider for existing clients. Please contact your broker if this applies to you.
Gore Mutual Claims & Inspections Ready to process claims where relevant with “Quick Cash” In a growing number of cases, mandated physical distancing requirements as a result of COVID-19 have made claims-related repair work challenging. For customers experiencing supply chain disruptions, we’re offering the Quick Cash option for fast settlement. Further details will be provided on our website next week. 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 Autos now parked Can reduce to Comprehensive only If commercial vehicles are parked (whether part of a fleet or individually rated), you can request to reduce coverage to comprehensive only mid-term. This means there will be no cover for any collision, liability, accident benefits, direct compensation – property damage (DCPD) or uninsured auto. Your coverage will not automatically resume when this Declaration of Emergency period is over and you must request for your current coverage to be reinstated. Please also note that if you are leasing or financing your vehicle, the lienholder may not permit this reduction in coverage. Please call your broker if you want to apply for this reduction of coverage.
Gore Mutual Renewals and cancellations Cancellations suspended. Client requested cancellations will be pro-rata refunded. We have suspended all cancellations for non-payment until Thursday, April 30, 2020. 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. Effective April 9, 2020, all personal and commercial cancellations at the customer’s request will be on a pro rata basis. Short rate fees will not apply.
Gore Mutual General Liability coverage All cases treated on their own merits 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 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 Will consider on a case by case basis If you are using your personal vehicle to deliver, Gore will consider on a case by case basis. Please contact your broker and they will make the request on your behalf.
Gore Mutual Personal auto parked and no longer in use Parked up’ refund will automatically be paid to personal auto customers To provide a premium reduction to our personal auto insurance customers, they will receive a simple one-time payment equivalent to 20% of three months premium. The payment will be sent by cheque and will have no detrimental impact to future premiums or coverage. All in-force auto customers as of Thursday, April 9, 2020 will automatically receive the payment.
Gore Mutual Personal auto no longer used for commuting but still in use Parked up’ refund will automatically be paid to personal auto customers To provide a premium reduction to our personal auto insurance customers, they will receive a simple one-time payment equivalent to 20% of three months premium. The payment will be sent by cheque and will have no detrimental impact to future premiums or coverage. All in-force auto customers as of Thursday, April 9, 2020 will automatically receive the payment.
Gore Mutual Rate relief strategy Gore Mutual have taken a number of measures including the introduction of a “Parked up” refund To provide a premium reduction to our personal auto insurance customers, they will receive a simple one-time payment equivalent to 20% of three months premium. The payment will be sent by cheque and will have no detrimental impact to future premiums or coverage. All in-force auto customers as of Thursday, April 9, 2020 will automatically receive the payment.
Gore Mutual Reducing revenues or coverage mid-term Prefer to flex payments 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 Home insurance will cover working from home, and include additional coverage until July 31, 2020. With many of our customers unexpectedly working from home, we’ll provide personal liability and business property coverage up to $5,000 on all existing personal property policies. We will not charge any additional premium and coverage will be effective immediately until Friday, July 31, 2020.
Gore Mutual Vacated property Temporarily closed business properties will not be considered vacant With many businesses temporarily closed, we will not consider any business properties vacant or unoccupied if they have been mandated to shut down because of COVID-19. We expect customers to visit their property weekly and maintain a reasonable level of care and maintenance including utilities and security systems. We’ll maintain this position until further notice.
Gore Mutual Cyber coverage Unchanged No requirement to notify or change practices in order for cyber coverage to remain in effect.
Hagerty Claims & Inspections Business as usual 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 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 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 review 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 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 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 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 Personal auto parked and no longer in use You can apply to reduce coverage and save 75% on average per month In recent weeks we have put in place various measures to support customers. If your vehicle is off the road, parked and safely stored, you can apply for a reduction in coverage to comprehensive only and receive savings of up to 75% per month on average. This means there will be no cover for any collision, liability, accident benefits, direct compensation – property damage (DCPD) or uninsured auto. Your coverage will not automatically resume when this Declaration of Emergency period is over and you must request for your current coverage to be reinstated. Please also note that if you are leasing or financing your vehicle, the lienholder may not permit this reduction in coverage. Please call your broker if you want to apply for this reduction of coverage.
Intact Personal auto no longer used for commuting but still in use You can apply to reduce premiums to reflect changes to your driving habits In recent weeks we have put in place various measures to support customers. If you have changed your driving habits, for example, by stopping commuting or reducing the amount of kilometers you drive, you can apply for personal auto insurance premium reductions of 15% on average for three months. Please contact your broker to apply.
Intact NSF and payments Waived fees, avoiding cancellations where possible. Will support payment deferrals. Intact’s 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 March 20 2020, Accounts Receivables will be introducing new flexible payment options for vulnerable customers on a case-by-case basis.
Intact Rate relief strategy A wide range of actions taken, including 15% monthly discount to auto customers who have changed use of their vehicle
  • Personal auto customers, whose driving behaviours have changed as a result of COVID-19, can qualify for a premium reduction of 15% on monthly premiums for three months. Please contact your broker to apply for this reduction.
  • In commercial lines, many commercial insurance customers are operating their businesses with significantly less sales or have been required to shut down. They’ve had to stop production, reduce payroll or park their commercial vehicles. We have various relief measures in place to support your business, depending on its unique circumstance. These include: reductions in receipts or revenue mid-term, reducing stock limits, reducing commercial auto usage to comprehensive only.
  • Intact will also be holding terms on roughtly 1/3rd of renewals at their expiring premiums for a 6 month period, and lowering annual rate increases that would have otherwise increased renewal premiums more substantially.
Intact Renewals and cancellations Supporting renewals where possible with targeted rate accommodation strategies Intact realizes some commercial customers may be 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 reviewed 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 Given how unique each commercial claim may be, particularly with regards to allegations of negligence and liability, we cannot provide advice as to coverage for a potential or actual claim without 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 your broker on any suspected claim. Intact’s Claims Department will always provide the necessary support to see the customer through the process.
Intact Working from home Will be accommodated for home insurance policies 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 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 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” As an organization, Markel feels 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 you must ensure that you’re prepared to resume full coverage once necessary; we will not review coverage or limits for adequacy in future. 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).
Markel 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.
Next Wave Vacated property Vacancy restrictions can be extended if proactive measures are taken to protect the property Our standard policy wording allows up to 30 consecutive days for properties that are vacant, unoccupied or shut down. At this point the current provincial closures of nonessential services are ranging from 14-21 days but we are mindful that this will continue to evolve. If your property is expected to be vacant in excess of 30 days, please notify your broker in writing. Please maintain proactive measures to ensure that your property is checked on a regular basis, shut off water supply (and there are no sprinklers),maintain heat, secure all windows and doors, garbage near property is removed and that if the property has an alarm system that it is functioning and activated. If the above risk management practices are in place and the property continues to meet our underwriting requirements, permission for unoccupancy will be read in for an additional 30 days beyond the provision included in our standard policy wording or for the total time that the government emergency order to close is in effect, whichever comes first. Voluntary closures will be limited to 30 days and our vacancy permit endorsement must be requested for properties where unoccupancy, vacancy or shut down extends beyond 30 days that are not related to the pandemic.
Pembridge Personal auto parked and no longer in use All policyholders qualify for a one time payment All Allstate, Pembridge and Pafco customers who have an active automobile policy as of 13 April 2020 will qualify to receive a one-time payment of approximately 25% of their monthly auto premium. They can expect to receive this “Stay at Home Payment” by cheque in May.
Pembridge NSF and payments Deferring payments on request To help customers experiencing financial challenges, we are offering flexibility in payments through a deferral process upon request. In addition, all Allstate, Pembridge and Pafco customers who have an active automobile policy as of 13 April 2020 will qualify to receive a one-time payment of approximately 25% of their monthly auto premium. They can expect to receive this “Stay at Home Payment” by cheque in May.
Pembridge Personal vehicles used for delivery Food delivery is acceptable for commercial purposes We are extending insurance coverage for customers who use their personal vehicles to deliver food, medicine and groceries for commercial purposes. Standard personal auto insurance policies typically exclude this coverage.
Pembridge Rate relief strategy Pembridge have introduced a “Stay at Home” payment in May All Allstate, Pembridge and Pafco customers who have an active automobile policy as of 13 April 2020 will qualify to receive a one-time payment of approximately 25% of their monthly auto premium. They can expect to receive this “Stay at Home Payment” by cheque in May.
PAFCO Personal auto parked and no longer in use All policyholders qualify for a one time payment All Allstate, Pembridge and Pafco customers who have an active automobile policy as of 13 April 2020 will qualify to receive a one-time payment of approximately 25% of their monthly auto premium. They can expect to receive this “Stay at Home Payment” by cheque in May.
PAFCO NSF and payments Deferring payments on request To help customers experiencing financial challenges, we are offering flexibility in payments through a deferral process upon request. In addition, all Allstate, Pembridge and Pafco customers who have an active automobile policy as of 13 April 2020 will qualify to receive a one-time payment of approximately 25% of their monthly auto premium. They can expect to receive this “Stay at Home Payment” by cheque in May.
PAFCO Personal vehicles used for delivery Food delivery is acceptable for commercial purposes We are extending insurance coverage for customers who use their personal vehicles to deliver food, medicine and groceries for commercial purposes. Standard personal auto insurance policies typically exclude this coverage.
PAFCO Rate relief strategy PAFCO have introduced a “Stay at Home” payment in May All Allstate, Pembridge and Pafco customers who have an active automobile policy as of 13 April 2020 will qualify to receive a one-time payment of approximately 25% of their monthly auto premium. They can expect to receive this “Stay at Home Payment” by cheque in May.
Portage Mutual Business Interruption coverage Not covered Business interruption coverage is only triggered by an insured peril to property. A pandemic is not considered an insured peril.
Portage Mutual Childcare & Babysitting services Acceptable 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 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 All cases will be reviewed and treated on their own merits.
Portage Mutual Renewals and cancellations All cases treated on their own merits All cases will be reviewed and treated on their own merits.
Portage Mutual General Liability coverage All cases treated on their own merits Each claim will need to be examined individually to determine coverage.
Portage Mutual NSF and payments Options may be available Options may be available on a case by case basis.
Portage Mutual Personal vehicles used for delivery No change 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 All cases will be reviewed and treated on their own merits.
Portage Mutual Working from home Acceptable for home insurance policies Temporarily working from home during this period is acceptable provided there are no clients visiting the premises.
Portage Mutual Cyber coverage No change No requirement to notify or change practices in order for cyber coverage to remain in effect until renewal.
RSA Business Interruption coverage Not covered unless insured physical damage also occurs to property An area of focus for a number of the enquiries we have received is business interruption coverage. We want to take this opportunity to clarify that standard business interruption policies require property damage to apply. As a result, even where a business is shut down due to a government order, mandate or declaration, there would be no cover. As with many other carriers, RSA’s Core Wordings require there be direct physical loss, destruction or damage to insured property at an insured premises caused by an insured peril in order to trigger coverage. As stated by the Insurance Bureau of Canada, commercial insurance policies and traditional business interruption policies generally do not offer coverage for business interruption or supply chain disruption due to a pandemic such as COVID-19.
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 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 reduce coverage on commercial vehicles if requested As many of our Individually Rated Commercial Auto clients will have parked their vehicles or changed operations as a result of COVID-19, RSA will now be making mid-term adjustments to policies as requested by brokers and will not mandate road coverages for vehicles. We understand that this situation is evolving rapidly and that your customers’ coverage may need to adjust as well. For fleet policies on a 21B that now require mid-term adjustments, please contact your Fleet Underwriter as we will accommodate these request on a case by case basis.
RSA Renewals and cancellations No automatic extensions, but will consider extending on a case by case basis 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 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’s teams are fully staffed and customers and brokers should call to discuss any concerns with payment and cancellations as they relate to COVID-19. For cancellations where the policyholder demonstrates they were directly impacted by the emergency, we will be taking the approach on a case by case basis. 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. NSF fees (all Personal and Small Commercial policies) and reinstatement fees (only applicable for Ontario auto) occurring after March 16, 2020 will be waived going forward.
RSA Personal vehicles used for delivery Community related support and delivery on behalf of a business you work for is accepted. As a way to step up for our local heroes serving their communities, we have made provisions for customers who are temporarily using their vehicle for delivery (e.g. an employee of a pharmacy, restaurant, grocery store, or as part of an app-based food delivery service) during the COVID-19 crisis to be covered under their existing policy without an impact to their car insurance premium. If this applies to you, please contact your broker so they can ensure your policy is noted accordingly.
RSA Personal auto no longer used for commuting but still in use Use for commuting can be removed Since you are no longer commuting to work, we can make this change for you. It will be important for you to notify your broker once you begin commuting to work again so that the policy can be updated to reflect accurate coverage and rating.
RSA Personal auto parked and no longer in use Premiums can be greatly reduced with the use of the Suspension of Coverage endorsement RSA will reduce vehicle coverage to Comprehensive only or apply a Coverage Suspension endorsement if the vehicle is no longer being driven. This means there will be no cover for any collision, liability, accident benefits, direct compensation – property damage (DCPD) or uninsured auto. Your coverage will not automatically resume when this Declaration of Emergency period is over and you must request for your current coverage to be reinstated. Please also note that if you are leasing or financing your vehicle, the lienholder may not permit this reduction in coverage. Please call your broker if you want to apply for this reduction of coverage.
RSA Rate relief strategy Reducing rate increases at renewal for home and auto customers

Effective July 1st 2020 to September 30, 2020, RSA will be implementing a rate cap for personal auto and property renewal premiums.

Private passenger auto renewals will have an overall impact of 0% and will not increase over prior term (assuming no claims, convictions or changes in the previous term).

Homeowners will experience a rate increase of no more than 10% (assuming no claims or changes in the previous terms).

We remain committed to our brokers and customers during this time and are proud to provide support to those who have been impacted. We are working with urgency and pace to have these changes implemented into our system as quickly as possible; if the system is not accurately reflecting these changes for your impacted customer, please contact your broker.

With regards to business insurance customers, RSA will be reducing their planned rate application on renewals for mid-market and specialty fleet, property and casualty clients.

RSA understands small businesses may be some of those that are hit the hardest during the COVID-19 pandemic; to alleviate premium concerns for SME policyholders, RSA will continue to demonstrate flexibility should you require changes to be made to coverage. Although we are limited in our ability to take quick rate actions for SME policies, we are committed to providing any updates as soon as they become available.

RSA Student children returning home and driving Discounts will not be removed if student is intending on returning to school RSA will not remove the “away at school discount”. If the student is intending on returning to school, the discount will remain on. This is consistent with our current practices when a student returns home for summer holiday, spring break, etc. However, if the student is not returning to school (i.e. has graduated or will graduate and will not be returning), then the discount should be removed. If the parent is unsure if the student will return to school, the discount should be removed and can be re-added at a later date if the student will return to school. Please discuss this with your broker directly.
RSA Snowbirds leaving cars in Florida due to emergency return to Canada Can be accomodated We can still accommodate these risks. Please call your broker to determine what information is required.
RSA Reducing revenues or coverage mid-term RSA will consider mid-term changes to coverage and rate We recognize the challenges faced by many business owners and as such, we will be adjusting our rating approach accordingly. In an effort to provide relief to business owners and your customers, RSA will reduce our planned rate application on renewals in the Mid-Market and Specialty Fleet, Property and Casualty portfolios. The impact of our reduced rate application on individual risks will be decided on a case by case basis. In relation to insurance for smaller businesses, RSA understands small businesses may be some of those that are hit the hardest during the COVID-19 pandemic; to alleviate premium concerns for SME policyholders, RSA will continue to demonstrate flexibility should your clients require changes to be made to coverage. Although we are limited in our ability to take quick rate actions for SME policies, we are committed to providing any updates as soon as they become available.
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

“In April, we clarified our position on vacant properties as a result of COVID-19 restrictions that businesses have been implementing. RSA’s standard wording for vacant properties and construction sites provides 30 days of coverage automatically; for those areas of the country where businesses are required to close down for more than 30 days due to government order, mandate or declaration, we allowed an additional 30 days (60 consecutive days in total), for vacant or unoccupied risks during this pandemic.

In an effort to provide increased support to our valued customers, RSA will be extending the standard coverage by an additional 30 days (90 consecutive days in total) for businesses that were required to close down due to government order, mandate or declaration, effective immediately. Should coverage be required beyond 90 days, please contact your broker and we will review each circumstance on a case by case basis.

There remains a requirement that customers take all reasonable actions to protect your property and construction sites as best they can.”

SGI Business Interruption coverage Likely excluded 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’s Declaration of Emergency Endorsement is in effect. This means that there will be no cancellation of policies for personal lines (auto, home, condo, tenant, farm, GDP policies), and no cancellation of commercial property or commercial auto policies, if the policy expires during the emergency 2 declaration or due to non-payments during the emergency declaration. Please note that this endorsement does not apply to Individually Rated Commercial Auto (IRCA) policies in Ontario. The Declaration of Emergency Endorsement is in effect for a period of up to 30 days past the end of the emergency or the period of time equal to the state of emergency. In no event will the extension of coverage be more than 120 days in total. If you have any questions about the extension of these policies, please contact your underwriter. Normally, Declaration of Emergency Endorsement does not apply to personal auto and commercial auto policies, but we’re extending it to these policies (with the exception of IRCA in Ontario) to provide better support for our customers and brokers.
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 Will consider reducing premiums if vehicles are parked In circumstances where your business is parking some or all of its vehicles as their business volume decreases, mid-term coverage reductions and adjustments will be accepted on Individually Rated Commercial Auto and scheduled/blanket fleets. Please contact your insurance broker to make this request.
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 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 Not permitted SGI are not making any changes to the guidelines of their auto policies. Using personal vehicles for food delivery is not permitted.
SGI Insuring business equipment at home $5,000 coverage for property temporarily removed or in transit will automatically apply Location-based coverages normally apply only at the location described on the policy. However, some optional property extension endorsements provide coverage for property in transit and property temporarily removed. If you don’t have these endorsements on your policy, we’ll automatically provide a limit of $5,000 per occurrence for property temporarily removed or property in transit. No premium will be charged, and no transaction will be processed. Any loss that occurs will be settled as if the property was still at the premises insured on the policy. Policy deductible, terms, and conditions still apply.
SGI Reducing revenues or coverage mid-term Will consider reducing premiums if revenues are down Many commercial property customers are realizing their business volume will likely be much lower than estimated at the beginning of their policy term. If these circumstances apply to you, we can issue a mid-term premium adjustment to reflect your new projected revenue. Please contact your insurance broker to make this request. We realize it will be difficult to provide accurate projected revenue to base our adjustment on right now, so we may follow up within 90 days to determine if any further action on the account is needed.
SGI Vacated Property Will extend 30 day vacant coverage in line with declaration of emergency endorsement Almost all location-based property wordings contain a vacancy exclusion that would effectively remove coverage if the property becomes vacant, unoccupied or shuts down for more than 30 days. We will broaden our interpretation of coverage and observe the same period allowed under the Declaration of Emergency Endorsement, before considering a property to be vacant. This allows for coverage to be maintained for the duration that the emergency order is in place, plus the grace period indicated in the Declaration of Emergency Endorsement. While many businesses may not be open to the public or open daily, owners and employees still have access to the property to maintain minimal operations or simply to ensure the safety of the business. We encourage this as long as it is allowed by provincial and federal authorities. We do not require the insured to report vacancy during the emergency period, but if possible, please let your broker know if the property is vacant. If during a claims investigation it was found that the building was vacant prior to the declaration of emergency in a province, the normal exclusion will apply. If your business has voluntarily vacated their property outside of an emergency order, the normal interpretation of the exclusion would apply, and we would expect that property to be regularly attended for its safety and upkeep.
SGI Working from home No business contents coverage under home insurance If you are working from home, your home insurance policy will not automatically cover any of your business contents while at your home. Some commercial property policies extend coverage for business contents being used by employees to work from home. Please check with your employer.
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 (policyholder) on remittance options. We will not charge short rate cancellations fees for mid-term policy cancellations. Should a mid-term cancellation be required by our member, we will do so pro-rata, meaning the member will pay only for the time they have been insured, with no penalty.
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 (policyholders) 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 Personal auto parked and no longer in use Parked vehicles can apply to reduce cover to Comprehensive only and make immediate savings For members who are no longer using their vehicle, the OPCF16 is also an option. The savings amount to approximately 75% of their premium. Unlike many competitors where the premium relief for the OPCF16 is only accounted for when the OPCF17 is added, our process provides immediate premium credit. Once coverage is added back onto the vehicle with the OPCF17, the premium for the re-added coverages are prorated to the end of the term. Please note this means there will be no cover for any collision, liability, accident benefits, direct compensation – property damage (DCPD) or uninsured auto while your vehcile is declared off the road. Your coverage will not automatically resume when this Declaration of Emergency period is over and you must request for your current coverage to be reinstated. Please also note that if you are leasing or financing your vehicle, the lienholder may not permit this reduction in coverage. Please call your broker if you want to apply for this reduction of coverage.
The Commonwell Personal auto no longer used for commuting but still in use Can reduce to pleasure usage only to save premium Members can gain premium relief by updating the use of their vehicle(s), if applicable, to pleasure usage. For guidance, depending on previous vehicle use, members could save from 13% or more on monthly premiums. Please speak with your broker to learn more.
The Commonwell New update: Rate relief strategy A one time $100 “Pay it Forward” payment will be made to 84,000 members

“As a mutual insurer, we are stepping forward to help our communities in a time of challenge that is affecting all of us. Our ‘Pay it Forward’ initiative stems from the fact that we have been able to carry on business as an essential service while others have not. We want to honour the support of members with a special one-time payment of $100 that may be used to ease personal financial pressure or ‘Pay It Forward’ by donating to others in need in their community. This one-time $100 payment will be mailed out to each of the more than 84,000 households that have been part of our membership (by having an in-force policy) up to and including April 30, 2020.

The Commonwell had previously announced increases to residential rates that were expected to be in place for 1st May 2020. Given the current situation and that members are facing various degrees of hardship we are undertaking the following premium relief measures:

  • We are rolling back our residential rate change.
  • We will move forward with new discounts of up to 10% for customer loyalty, combining home and auto products and being mortgage free.

With regards to auto, members can gain premium relief by updating the use of their vehicles (please see section for “”Personal auto no longer used for commuting but still in use”.

For commercial and farm policies, whilst not normally accepted mid-term, members can look for premium relief by updating their annual receipts. This may not have an effect on policies who are already paying The Commonwell’s minimum premium.

The Commonwell Reducing revenues or coverage mid-term Can look to adjust premium mid-term if receipts are substantially down While normally not accepted mid-term, members with commercial and/or farm policies can look for premium relief through the updating of their annual receipts. If a commercial policy is already being charged the CGL minimum premium, reduction in receipts will not reduce the CGL premium. However, please consider other components of the policy that may have changed due to the current situation such as a reduction of stock and content inventory. Updating these limits may also provide relief. For the farm line of business, members may find premium relief through updated receipts if their policy has farm liability or a CGL where the premium is calculated based on receipts (i.e. agri-entertainment risks, custom farming, retail sale of produce etc.).
The Commonwell Working from home Home insurance will continue as normal Many members have transitioned to a work from home environment to support social distancing during the pandemic. This activity falls within our standard personal liability coverage and no action is required. Please note that each residential property policy has varied sub-limits for business property while at your personal premises ranging from $1,500 – $5,000. Please check your policy to confirm which applies to you.
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 Properties temporarily vacated due to COVID-19 will not be considered vacant Many commercial property wordings include an exclusion for property that have been vacant, unoccupied or shut down for more than thirty days. Considering current circumstances, businesses that were forced to close due to the state of emergency will not be considered unoccupied or shut down in the context of this exclusion. We ask that you consider risk mitigation actions such as visiting the property regularly for basic property upkeep and maintaining necessary security systems and utilities. If a risk is in fact vacant (your business is not planning to return), please refer to your broker.
The Commonwell Insuring business equipment at 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.
Travelers Business Interruption coverage Unlikely to be covered 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 in accordance with normal processes. 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 Will be reviewed on a case by case basis Travelers are unable to make a blanket statement in this regard but will consider each request on its merits. Please contact your broker to discuss.
Travelers Cyber coverage No need to notify insurer until your next renewal If your workforce is temporarily working from their homes instead of your office, you do not need to notify Travelers about this change on your cyber policy. However, if this situation continues at your next renewal, you will need to inform your broker who can ensure the necessary information is collected about updated cyber security controls and other changes that have been made.
Travelers Renewals and cancellations Suspending cancellation and non-renewal due to non-payment through to May 15, 2020 We are suspending cancellation and non-renewal of coverage due to nonpayment through May 15, 2020.
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 and waiving NSF fees We are committed to working with our brokers and customers through these challenging times. For those who are able to make payments, they should do so as they normally would. If customers have any questions or wish to discuss alternate arrangements, please contact Customer Service at 1-800-268-4543, if you pay your premiums directly to Travelers Canada, Chieftain Insurance or The Dominion of Canada General Insurance Company. If you pay your premiums to your broker, please contact your broker to discuss alternate arrangements. We are suspending cancellation and non-renewal of coverage due to nonpayment through May 15, 2020. We will not charge non-sufficient funds (NSF) fees during this period, providing policyholders with extra time if needed to pay their premiums without risking cancellation.
Travelers Personal vehicles used for delivery Auto coverage being extended in many circumstances We are extending auto coverage for customers whose temporary job responsibilities include using their personal vehicles to make food, grocery, pharmacy and medical supply deliveries. This does not include vehicles participating in a commercial delivery network.
Travelers Personal auto parked and no longer in use Stay-at-home auto premium credit program launched We know that many of you are doing your part to help stop the spread of COVID-19 by staying home. That means many of you are driving less, resulting in a decrease in auto claims. With that in mind, Travelers Canada has launched the Stay-at-Home Auto Premium Credit Program, which will provide you with a 25% credit on one month’s premium. It’s their way of supporting you, and we hope it helps ease some of the financial burden many are experiencing. And the best part: You don’t need to do anything. If you pay by monthly installments, you will receive the credit automatically on a future bill. If you have already paid in full, you will receive a mailed cheque. If you have questions about your current payment plan, please contact your broker.
Travelers Personal auto no longer used for commuting but still in use Stay-at-home auto premium credit program launched We know that many of you are doing your part to help stop the spread of COVID-19 by staying home. That means many of you are driving less, resulting in a decrease in auto claims. With that in mind, Travelers Canada has launched the Stay-at-Home Auto Premium Credit Program, which will provide you with a 25% credit on one month’s premium. It’s their way of supporting you, and we hope it helps ease some of the financial burden many are experiencing. And the best part: You don’t need to do anything. If you pay by monthly installments, you will receive the credit automatically on a future bill. If you have already paid in full, you will receive a mailed cheque. If you have questions about your current payment plan, please contact your broker.
Travelers Rate relief strategy Introduced Stay-at-Home Auto Premium Credit program We know that many of you are doing your part to help stop the spread of COVID-19 by staying home. That means many of you are driving less, resulting in a decrease in auto claims. With that in mind, Travelers Canada has launched the Stay-at-Home Auto Premium Credit Program, which will provide you with a 25% credit on one month’s premium. It’s their way of supporting you, and we hope it helps ease some of the financial burden many are experiencing. And the best part: You don’t need to do anything. If you pay by monthly installments, you will receive the credit automatically on a future bill. If you have already paid in full, you will receive a mailed cheque. If you have questions about your current payment plan, please contact your broker.
Travelers Reducing revenues or coverage mid-term Will consider on a case by case basis with appropriate documentation 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 Currently, Travelers still requires 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. 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. 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 their broker.
Travelers Working from home Home insurance coverage will flex to allow for 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 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 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 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. 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 Many businesses are looking for new sources of revenue or for ways to reduce their operating costs. Commercial Automobile does not normally allow for the removal of driving coverage. Depending on individual circumstance, certain changes to Commercial Automobile coverage may be appropriate. In the case of individually rated commercial autos (IRCA) requests to remove driving coverage and reduce to Comprehensive coverage only will be permitted. Please note that any liability or accident benefit coverages will no longer apply and it is imperative that coverage is reinstated before your vehicle is back on the road. In the case of scheduled fleets, this type of fleet policy can be adjusted with an immediate credit of premium. In the case of 21B fleets, this type of fleet policy can be adjusted with credit for premium held until renewal.
Wawanesa Renewals and cancellations Policies will not be non-renewed / cancelled 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 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. 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 auto no longer used for commuting but still in use You can reduce your mileage rating while no longer commuting If the vehicle is no longer being used for commuting to or from work or business and you’re amending to pleasure only, you will need to include an estimate of reduced annual km driven and this can be accomodated based on guidelines for each province. In all cases, coverage will not reinstate automatically and you will need to reinstate coverage before you can return to pre-pandemic operation of your vehicle.
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. In the case of business owners looking to expand their operations to include delivery, consideration will be given for these types of operations provided full details are received; radius, number of deliveries expected, driver information and goods carried. Operations such as Uber Eats, Skip the Dishes etc. will not be accepted.
Wawanesa Personal auto parked and no longer in use You can reduce your coverage to Comprehensive only If youre vehicle is parked and no longer in use, you can apply for a Suspension of Coverage endorsement which reduces your coverage to Comprehensive only. Reducing coverage in this way can generate savings of up to 75% or $80 each month for each vehicle while the suspension is in force. This means there will be no cover for any collision, liability, accident benefits, direct compensation – property damage (DCPD) or uninsured auto. Your coverage will not automatically resume when this Declaration of Emergency period is over and you must request for your current coverage to be reinstated. Please also note that if you are leasing or financing your vehicle, the lienholder may not permit this reduction in coverage. Please call your broker if you want to apply for this reduction of coverage.
Wawanesa Reducing revenues or coverage mid-term Will adjust with 90 day review 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 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 Will be flexible on temporarily vacated properties Wawanesa will not consider commercial buildings as vacant or unoccupied – for coverage purposes – where the business has been temporarily halted or closed due to the COVID-19 pandemic. Also, we have agreed that attendance requirements for Seasonal or Secondary Dwellings will be waived where policyholders are restricting their movements due to the pandemic.
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