Frequently Asked Questions Related to COVID-19
We’ve put together a list of the most common questions we’ve been receiving from our customers. Hopefully these answers will help provide the information you need. If not, please contáctenos.
Questions & Answers
Is There Flexibility in Renewing My Policy?
If you have a policy renewal coming up, we want to make it as easy as possible for you. If you have been impacted by COVID-19 and are required to submit additional information for your renewal, please contact us or your agent to discuss possible options.
What Does the Families First Coronavirus Response Act Mean for My Business?
Recently approved legislation requires applicable employers to provide Paid Leave benefits. It is designed to help eligible U.S. workers receive income when they are unable to work due to impacts of COVID-19. It applies to most employers with fewer than 500 employees. There are some exceptions for small businesses with less than 50 employees.
Is There Financial Help Available While My Business Has to Remain Closed?
You may qualify for a disaster relief loan. Visit the U.S. Small Business Administration website para conocer más.
What Has My State Mandated About Premium Billing & Other Insurance Issues?
In some areas of the country, state officials and departments of insurance have requested insurance carriers to notify policyholders about coverage offerings or offer temporary payment flexibility. These states include:
Is The Hartford Offering Payment Flexibility?
We know COVID-19 has created financial struggles for many. To help our business insurance customers, from March 21, 2020 to May 31, 2020 we did not charge late fees for premiums and suspended cancellations for non-payments. We have carefully evaluated our policies based on the changing circumstances and are complying with any directives issued by individual state departments of insurance. If you have questions or need help with your insurance bill, please contáctenos.
If an Employee Sues Because They Claim They Got Sick Because They Had to Be at Work, Am I Covered? Will It Be an Employer’s Liability Insurance Claim?
If an employee is injured and claims that the injury arose out of and in the course of their employment, then in general, it will be considered as a statutory workers’ compensation claim. If an employee sues you, there may be coverage under the Employer’s Liability component of the workers’ compensation policy to provide defense and indemnity if the injury arose out of the course and scope of employment. In certain situations, if the employee sues a third party and then the third party sues you, the third party may also present an Employer’s Liability claim. Every claim is, of course, evaluated on an individual basis according to the applicable policy language and state law.