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

As announced on April 13^th, 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. 

1. 8 Answers to Your Coronavirus Questions

2. COVID-19 Fact Sheet

3. Employee Work From Home Guide

4. 10 Ways to Protect Against Coronavirus 

5. Keep Calm and Wash Your Hands Poster 

6. What to Do If You're Sick with COVID-19

7. COVID-19, Flu, Allergies, Cold Flowchart

8. 10 Ways to Protect Against Coronavirus 

9. EEOC Adds 18 New FAQs on
Coronavirus and the ADA

10. Virginia Approves a COVID-19 Standard

11. Covid-19 Vaccine: What You Need to Know

12. CDC Recommends Shorter Quarantine Guidelines 

13. What to Know about the New Strain of COVID-19

14. 2021 Covid Relief Stimulus Package 

1.  Coronavirus in the Workplace - Compliance Concerns 

2. DOL & FLSA FAQs

3. Essential Health Benefits FAQs

4. Health Plans Must Provide Free COVID-19 Testing 

5.  Coronavirus Relief Laws Require Paid Employee Leave 

6. DOL Outlines Coronavirus Relief Law's Paid Leave Requirements 

7. Families First Coronavirus Response Act - Q&A

8. CARES Act Expands Health Coverage Rules 

9. CARES Act - Small Business Loan Overview 

10. COVID-19: Small Business Guidance & Loans 

11. State Update - Employee Leave Requirements for Coronavirus 

12. DOL FAQs: Families First Coronavirus Response Act

13. FFCRA Tax Credits for Small and Midsize Businesses 

14. Food Safety Tips for Restaurants

15. Return to Work Action Plan 

16. Designing a Post Coronavirus Office 

17. Sample Return to Work Action Plan 

18. Pandemic Response Oversight Plan - Department of Labor   

19. OSHA FAQs - Face Masks and Respirators in the Workplace

20. DOL and FLSA FAQs

21. OSHA Clarifies COVID-19 Reporting Requirements

22. COVID-19 Vaccine
Considerations for
Employers

23. Employer Overview of the Covid-19 Vaccines 

24. Steps to Protect Cleaning Staff

1. Determining if a Covid case is Work-related

2. Families First Coronavirus Response Act Notice - FAQs

3. Telecommuting Policy

4. Coronavirus Guide

5. HR Insights - Coronavirus in the Workplace 

6. COVID-19 and Your Workplace Checklist

7. IRS Issues Guidance on Tax Credits for Coronavirus Paid Leave

8. Engaging Remote Employees During the Coronavirus Pandemic

9. FFCRA Poster - Nonfederal

10. FFCRA Poster - Federal

11. CDC Guidance for Employees Following a COVID-19 Diagnosis or Exposure

12. Business Interruption Policies and Coronavirus  

13. Fostering Inclusivity in a Post-coronavirus Workplace

14. 5 Ways COVID-19 is Reshaping HR

15. Remote Onboarding Checklist 

16. States Update Employee Leave Requirements 

17. Open Enrollment
Communication Strategies
Amid COVID-19

18. Adjusting Paid Leave Programs
During the COVID-19 Pandemic

19. How to Support Employee
Behavioral Health During the
Pandemic

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: You may qualify for a disaster relief loan. Visit the U.S. Small Business Administration website to learn more. (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)

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)