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Dear Sahouri Insurance Community,

As the effects of COVID-19 unfold day by day, our hearts go out to everyone whose lives continue to be impacted by this pandemic. In a time of so many unknowns, we want to assure you that you can continue to count on Sahouri’s support during this unprecedented event.

Uncertainty is a challenge we all face right now — but it’s a challenge our company was built to meet. We’ve spent 50 years helping clients manage risk and plan for the future, and we practice what we preach. With state-of-the-art technology and resources in place, we remain open, fully available, and prepared to deliver the superior level service you expect from us.

We would like to update you on our ongoing actions to keep the health and safety of our insurance advocates at the forefront, while continuing to provide a seamless experience and timely support for you.

Providing Ongoing Support

We remain ready and available to support you during our regular business hours: 8:30 AM – 5:30 PM, Monday through Friday. Our remote staff is fully equipped and determined to help you resolve your claims issues and coverage questions with the same speed and quality you're grown accustomed to.

For your convenience, we offer support though a variety of communication channels, including: email, phone/SMS, website chat, and virtual meetings. We will also be updating this response center with new and helpful information/resources for your reference.

Safety & Wellbeing

Following guidelines from state and federal authorities, we’re taking the following steps to protect the health of our employees, clients, partners and community:

  • Requiring the vast majority of our insurance advocates to work from home
  • Enacting social distancing and sanitation best practices for workplace-essential staff
  • Staying in communication with clients via phone, video conference, SMS or other virtual engagement tools
  • Suspending all non-essential business travel
  • Cancelling or rescheduling all company events

Getting Through This Together

We appreciate your patience and loyalty during this time, and our team is committed to exploring new ways to support you as this situation evolves. With your partnership, we’re confident that together, we will emerge from this experience more resilient than ever.

From our team to yours, we hope you’re in great health and  strong spirits.


In solidarity, 

Circle Headshots Template
The Sahouri Family
Sahouri Insurance
Patricia C General Circle
Patricia Couzi, CPRIA
Practice Leader, Private Clients
Mel General Circle
Melissa Vega, ARM
Practice Leader, Property & Casualty
Jodee General Circle
Jodee Aquino
Practice Leader, Corporate Benefits
Taweel General Circle
Taweel Tawil, GBA
Director, Global Benefits
Allen General Circle
Allen Hudson, CIC, CRM
Director, Real Estate
Sam General Circle
Houssem Djida, MBA, CRM
Director, Diplomatic Missions
Anthony R General Circle 
Anthony Raad, CRPS
Financial Advisor


Our clients are Guests for life. We look forward to serving them now more than ever.


Contact Us.

For your convenience, we are available to you through email, phone, SMS, and virtual meetings.

Private Risk
Phone: (202) 792-3064
SMS: SMS: (202) 792-3064
Commercial Insurance
Phone: (202) 765-0347
SMS: SMS: (202) 765-0347
Real Estate
Phone: (202) 765-2878
SMS: SMS: (202) 765-2878
Diplomatic Missions
Phone: (202) 765-2846
SMS: SMS: (202) 765-2846
Global Health
Phone: (202) 792-8284
SMS: SMS: (202) 792-8284
Corporate Health & Benefits
Phone: (202) 524-9045
SMS: SMS: (202) 524-9045


Convenient Self-Serve Options.

To better serve you, we've made available self-service options to help process your requests faster.   

Add or Remove Drivers/Cars
Add or Remove Your Drivers/Cars
Request Certificate of Insurance
Request a Certificate of Insurance
File Claim Request
Request to File a Claim

Updated Billing Information.

We are no longer accepting paper checks at our physical location. Please mail checks to our lockbox below.

We also accept ACH electronic payments and wire transfers. We apologize for any inconvenience caused.

USPS Mailing Address:
Sahouri Insurance Agency
PO Box 645952
Pittsburgh, PA 15264-5257

Overnight Courier Address:
PNC Bank c/o Sahouri Insurance Agency
Lockbox Number 645952
Pittsburgh, PA 15219

Carrier Updates.

Keeping you up-to-date on the latest policy updates, billing changes, and potential discounts from our carrier partners.

5/19 - Chubb's Premium Credit for U.S.

As announced on April 13th, Chubb is providing its personal auto insurance clients in the U.S. with a COVID-19 shelter-in-place auto credit on annual renewal premiums as a result of reduced driving activity. Upon renewal, clients will receive an average credit of 6% against their annual premium, which reflects a 35% premium reduction for the months of April, May, and a portion of June. As the situation warrants, additional discounts may be applied.

When will clients receive the credit if their renewal happens before mid-August? If clients have already received their renewal before the credit is effective in their state, they will receive the credit at their next renewal.  For example, if your clients renewed their auto policy in March of 2020, they would receive the credit at their next renewal in March of 2021. However, if their renewal is in late October of this year and we have received regulatory approval from their state, their renewal will reflect the credit in October of 2020.

4/16 - Upon renewal, clients will receive a credit reflecting a 35% premium reduction for the months of April and May, with additional discounts for subsequent months, as the situation warrants. Across Chubb's portfolio, the average credit is expected to be $110 per vehicle. Clients will not have to request the credit, it will be applied automatically at renewal. All premium and rate adjustments are subject to regulatory approval. Learn more here

5/21 - As a result of reduced driving due to stay-at-home orders, PURE is providing a 15% premium refund for members with an Automobile policy for regular use vehicles. Our intent is to provide each member with a premium credit for the duration of their stay-at-home order, for up to 4 months. Our plans are subject to state-by-state regulatory approval, and may have to be adjusted to satisfy regulators. If things do change, we will keep you informed. 

No action is required by you. Learn more here

5/5 - Your independent agent is the best person to contact when you have questions or concerns. However, in the event you need to reach us
directly, we’re here for you – either online or over the phone.
Click here to:
• View your coverages and order ID cards
• Submit and manage a claim
• Make a payment
• Change payment frequencies or method

File a claim online at FileAClaim.Safeco.com or call 800-322-3226.

4/21 - Safeco launched the Personal Auto Customer Relief Refund, issuing a 15% refund on two months’ premium to their personal auto insurance customers.The refund will be issued automatically in the manner you made your most recent payment or by check.

Read more about the refund here

3/31 - Effective March 23, 2020, Safeco is introducing a countrywide 60-day billing leniency policy for Safeco and Liberty Mutual small commercial customers. This means that from March 23 through June 1, 2020, Safeco is holding all non-pay cancellations.

•During the 60-day time-frame billing will continue, but policies will not go into a non-pay status.
• Electronic Funds Transfer (EFT), Recurring Credit Card (RCC) and Payroll Deduct customers will be billed as
normal. If customers change to direct bill for any reason, they’ll follow the standard direct bill processes.
• Late fees will not be applied.
• All return fees for insufficient funds will be waived.

Learn more here.

4/21 - Due to the recent decrease in driving, Encompass personal auto insurance customers will receive a Shelter-in-Place Payback. Customers who had liability policies in effect as of March 31, 2020 are eligible for a payment of 15% of their monthly premium in April and May. All Encompass personal auto policies are included. However, Motorcycle, Motorhome or ATV policies are not included in the program.

Customers will receive the money back through a credit to their bank account, credit card or Encompass account. Learn more here.

4/21 - As a way of supporting customers during these uncertain times, Travelers Insurance has introduced the Stay-at-Home Auto Premium Credit Program, which will automatically give U.S. personal auto insurance customers a 15% credit on their April and May premiums.

Customers who pay by monthly installments will receive the automatic credit on future bills. Customers who have already paid their billing account in full will receive a direct payment. 

Answers to common questions about the program may be found here.  

5/18 - Lower auto insurance rates for long-term relief. Learn more about rate reductions here

- Flexible billing and payment options. Contact your Advocate or Erie Customer Care to learn more. 

- Contact-free life insurance coverage. Learn more about the paramedical exam waiver here


4/21 - Erie announced that they will provide $200 million in dividends directly to personal and commercial auto insurance customers. This immediate relief represents about 30 percent of your monthly auto insurance premium for a two-month period or 5 percent of your annual premium. Learn more here

4/21 - Nationwide is offering a one-time premium credit of $50 per policy for personal auto policies, and we are doing the same.

Within the next 30 days we will automatically apply credits to the billing accounts of clients with an active Nationwide Private Client auto policy as of March 31, 2020. Learn more here

Helpful Resources.

Our partners and legal team curated helpful guiding material to help you solve problems.


For Businesses

We are all in unfamiliar territory with the novel coronavirus outbreak and face perplexing compliance scenarios. Share these up-to-date compliance COVID-19 resources with clients, colleagues or friends in need of guidance.


Coronavirus in the Workplace – Compliance Concerns
Essential Health Benefits FAQs
Health Plans Must Provide Free COVID-19 Testing
Coronavirus Bill Requiring Paid Employee Leave Signed Into Law
New Coronavirus Relief Laws Require Paid Employee LeaveNew
DOL Outlines Coronavirus Relief Law’s Paid Leave Requirements
Families First Coronavirus Response Act - Q & A
CARES Act Expands Health Coverage Rules
CARES Act - Small Business Loan Overview
COVID-19: Small Business Guidance & Loans
States Update Employee LeaveRequirements for Coronavirus
Health Plans Must Provide Free Coronavirus Testing
DOL FAQs: Families First Coronavirus Response Act
FFCRA Tax Credits for Small and Midsize Businesses
Food Safety Tips for Restaurants
Return To Work Action Plan
Designing a Post Coronavirus Office
Sample Return to Work Action Plan
Pandemic Response Oversight Plan – Department of Labor

For Human Resources

The resources below are curated for HR professionals and designed to help with instituting new workplace policies, staying aware of new regulations, answering day-to-day questions, and more.

Telecommuting Policy
Coronavirus Guide
HR Insights – Coronavirus in the Workplace
Coverage Insights – How Coronavirus Could Impact Your Business Insurance
COVID-19 and Your Workplace ChecklistNew!
IRS Issues Guidance on Tax Credits for Coronavirus Paid Leave
Engaging Remote Employees During the Coronavirus Pandemic
FFCRA Poster - Nonfederal
FFCRA Poster - Federal
Families First Coronavirus Response Act Notice - FAQs
Business Interruption Policies and Coronavirus
CDC Guidance for Employees Following a COVID-19 Diagnosis or Exposure

For Everyone

Employers face the challenge of keeping their teams informed and safe. Below is employee-facing content to help answer COVID-19 related questions and provide guidance on other relevant matters.


8 Answers to Your Coronavirus Questions
COVID-19 Fact Sheet
Employee Work From Home Guide
10 Ways to Protect Against Coronavirus
Keep Calm and Wash Your Hands Poster
Mental Well-being During Quarantine
What to Do If You’re Sick with COVID-19
COVID-19, Flu, Allergies, Cold Flowchart
News Brief: Student Loan Repayment Deferrals Allowed Due to Coronavirus
Coronavirus Stimulus Direct Payments FAQ
Understanding the Historic $2 Trillion Stimulus Package
10 Ways to Protect Against Coronavirus

Educational Webinars.

Life & Health:
Current State of the Industry



Commercial Cyber Liability: Safeguarding Against Emerging Threats

Coming in June. Email us to request an invitation.

Community Associations:
Addressing Risk as Communities Open

Coming in June. Email us to request an invitation.

Employee Benefits: HR Considerations for Re-Opening

Coming in June. Email us to request an invitation.


Recently Published Articles.

COVID-19: Advocating for Clients Through Uncertainty
Our service model is shaped around our clients’ needs, expectations and... click for full story.


Click Here to Read Article 
Learn more about the strategy behind our ability to successfully adapt and serve during this time.


Best Practices for Employers & Staff in Response to COVID-19
What steps should employers (and everyone else) be taking now to... click for full story.


Click Here to Read Article 
Learn more about how employers and their teams can respond to the outbreak.


Frequently Asked Questions.


A: 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. You can read a summary of the bill here (The Hartford)

A: 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. You can find more information on how this might impact you on our Paid Family and Medical Leave Resource Center. (The Hartford – Business Insurance)

A: Perhaps, if it can be determined that the employee(s) contracted the disease in the course of their employment. Does the employees' work require them to be exposed to persons who are infected? Typically, health care workers fall into this category. If an employee incidentally contracts the disease from a co-worker, there likely will be no workers' compensation liability. If there is workers' compensation liability, employers are responsible for covering the costs of reasonable and necessary medical care, temporary total disability benefits, and permanent disability (if any). Employers should engage a competent medical professional on infectious diseases for advice to determine whether the disease is work-related. (SHRM)

A: Employers may consider restricting employee travel to the particular areas affected by the disease for business purposes. Employers may also consider requesting that employees inform them if they are traveling for personal reasons so the employer is aware of employees who are going to those areas and are exposed to the disease. Employees who travel to China need to be informed that they may be quarantined upon their return. Employees should also be informed that there may not be adequate medical services available if they travel to China and become ill. (SHRM)

A: An employer may encourage or require employees to telework as an infection-control or prevention strategy, including based on timely information from public health authorities about pandemics, public health emergencies, or other similar conditions. Telework also may be a reasonable accommodation. Of course, employers must not single out employees either to telework or to continue reporting to the workplace on a basis prohibited by any of the EEO laws. (See the U.S. Equal Employment Opportunity Commission’s publication, Work at Home/Telework as a Reasonable Accommodation, for additional information.) (DOL)

Corporate Healthcare & Benefits
A: Yes, assuming that the FMLA applies to the employer, coronavirus would qualify as a "serious health condition" under FMLA, allowing an employee to take FMLA leave if either the employee or an immediate family member contracts the disease. The employee would be entitled to job reinstatement as well. State law may provide additional leave benefits. (SHRM)

A: Yes, if such payments are provided in an employer's benefit plan. Employers should review the limits of coverage in the benefit plan to ensure they have competent medical resources to administer the program. (SHRM)

A: Not if it's a pandemic. Moreover, the coronavirus arguably is too short-term to be an ADA disability. The ADA protects employees with disabilities, but during a global health emergency, as recently declared by the World Health Organization (WHO), employees can be required to be medically examined to determine if they have contracted the disease when an employer has a reasonable belief that employees will pose a direct threat due to a medical condition. WHO raised its risk assessment of the coronavirus to its highest level on Feb. 28 (SHRM)

A: OSHA has issued this fact sheet regarding protecting workers in the case of a global health emergency. (OSHA)