COVID-19 Insurance Information

COVID-19 has had a very large impact on everyone. We understand there are a lot of questions regarding insurance, relief plans, and businesses who are impacted by this trying time. We put together this webpage with the hopes of providing information to help you during these times.

Elliott Insurance Services is still fully operational. We are working remotely and can do everything we did before, just not in person. You can still drop off cheques through our mail slot at the office in Port Hope, and you can still start new policies, change your policy, and pretty much everything in between. We have worked hard to make sure that we can still service our customers during these difficult times.

Personal Insurance
Business Insurance

Frequently Asked Questions

Are there refunds or rebates for Personal Auto Insurance?

Every insurance company is responding to the COVID-19 pandemic differently. We have seen some insurance companies offer a rebate cheque that is a percentage of the premium and we have seen some insurance companies just offer to lower your commuting distance or vehicle usage during the pandemic. Due to the complicated nature of these programs, if you have not heard from us already, please contact us by phone or email to find out if your insurance company is offering any discount for personal auto policies.

Are there refunds or rebates for Personal Home Insurance?

There are currently no companies offering any discounts on home insurance at this time.

What is the best way to contact Elliott Insurance during this pandemic?

You can contact us by phone or email. Please make sure that we have your email address associated with your account as that is the quickest way to get information about any new changes or discount opportunities during this outbreak.

I am unable to make my payments

Some of the insurance companies are willing to defer payments on a case by case situation. If this is an option you need, please contact us so that we can talk to the insurance company as soon as possible.

COVID-19 has hit businesses of all sizes. We understand how trying this time can be for your business, employees, and families. We have put a small list of quickly answered questions below, but please do not hesitate to contact us to go over your policy in detail.

Frequently Asked Questions

Has your business revenue been impacted?

Your CGL (commercial general liability) policy may be rated on the amount of your revenue. Some insurance companies are willing to allow businesses to change their revenue amounts mid-term due to the COVID-19 outbreak. Contact us to find out if the insurance company you are with is one of them.

Has your business changed since the outbreak?

If you have made any changes in your operations, it is important that you contact us so that we can ensure that you're properly covered. If your business started manufacturing new products, started a delivery service, or even started doing online sales, it is important to keep your broker up to date on your operations so that they can make sure that your business is properly covered.

Is your business temporarily closed?

If you have temporarily closed your business due to COVID-19, it is important to contact your broker. Most insurance policies will have time limits and requirements for unoccupied or vacant premises. You might need to check on the building every few days depending on the insurance company. Please contact us for more information about your specific policy.

I am unable to make my payments

Business Interruption

The majority of commercial insurance policies will have an exclusion in the business interruption coverage for pandemics. That being said, every policy is different, so please contact us to find out if your policy has this exclusion.