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Professional Insurance Agents Weekly Edition March 19 2020 Header Timely Industry News and Association Updates

Check out the latest Professional Insurance Agents Weekly Edition for Important Information Regarding COVID-19

COVID-19 Update:

We've been monitoring the impact COVID-19 is having on business continuity throughout the U.S. We also understand your desire to provide timely and quality service to our clients.  

Over the last few weeks, we've been preparing our office to work remotely should it become necessary. We've also setup protocols to protect our employees' health and well-being. These protocols include: halting business travel, limiting unnecessary meetings and canceling some trade events. 

It is our expectation that your service experience with JFA Insurance remains timely and we do not expect any delay in operations as a result of the virus. 

For more effective communication we ask that you use email to communicate with the office for now as we are working with a skeleton staff until further notice in the office as most of our employees will continue to work remotely for their safety. 

If you would like to learn more about COVID-19 and business continuity we encourage you to visit cdc.gov

Clarifications on Commercial Coverage as related to COVID-19, more commonly referred to as Coronavirus

In light of recent events, we are providing this summary to ensure our clients have clear information regarding how a policy will respond to an outbreak.

Insureds with Building and/or Business Personal Property Coverage

For those insureds that have coverage for Buildings, Business Personal Property, and/or any related property or structure.  There is no coverage for property due to the Coronavirus as the property would not have suffered any direct physical loss.  

Insureds with Loss of Income Coverage - Earnings and Extra Expenses.

There is no coverage for Loss of Income if an insured business is shut down because of the Coronavirus.  Earnings and Extra Expense Coverage only applies when there is a loss or damage to real or personal property at the described premises or within 100 feet.  

Supplemental Loss of Income Coverages – Interruption by Civil Authority

Coverage would not be provided under the Supplemental Loss of Income Coverage for Interruption by Civil Authority.  This coverage only applies if an order is a result of damage to property that is caused by a peril covered.   

Perils Excluded

The Coronavirus is a virus and as such loss, cost, or expense caused by Virus or Bacteria is an excluded peril for all types of property coverage.   

This exclusion applies to, but is not limited to, any loss, cost, or expense as a result of:

      a. any contamination by any virus, bacterium, or other microorganism; or

      b. any denial of access to property because of any virus, bacterium, or other microorganism.

In the event businesses are ordered to be closed because of either a potential outbreak or an outbreak of the Coronavirus, either in or near the insured premises.

Civil Authority -- "We" do not pay for loss or damage caused by order of any civil authority, including seizure, confiscation, destruction, or quarantine of property.

If you have any questions or would like additional clarification, please contact your commercial lines underwriter or me directly.

Sincerely, 

Francine Salomon

 

Business Insurance and Workers Compensation Insurance in Queens, New York, NY and nationally. 

JFA Insurance Brokerage and Associates, Inc.

With nearly 100 years of collective experience, our team of agents keep service and quality products at the top of mind. We have the knowledge and skillset to keep companies moving through products like business insurance and workers compensation. We have served Queens, New York City, and surrounding areas throughout the state of New York for over 30 years and know what it takes to keep our clients secure.

JFA Insurance Brokerage & Associates Inc is a full service commercial insurance brokerage servicing the business insurance marketplace.

If you are looking for coverage for a Building, Restaurant Operation, Religious Institution, Non Profit, Construction Risk, Builders Risk, Retail, Wholesale, Manufacturing, Importing and Exporting, or have any business that needs commercial insurance coverage, we will take the time to explain to you what you are purchasing so you can understand your need for protection.

At JFA Insurance Brokerage & Associates Inc., we educate our clients to understand the exposures their business faces.  We then will shop the markets to obtain the broadest coverage at the most competitive pricing. Our group of experienced underwriters is here to meet your individual needs and assist as you grow your business. 

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Our insurance offerings

We are able to insure a variety of industries including construction, restaurants, and real estate. As an independent agency, we have formed partnerships with A-rated carriers like Nationwide, Hanover, and Amtrust – this gives us the ability to provide our clients with a variation of package options and competitive rates.

What you can expect from us

When you call our agency during business hours you will always be able to speak with a live person. We are very responsive and service oriented. Our team takes the time to understand the potential risks of each client and provide our expertise accordingly.

To learn more about how our products can protect your business, call or contact us today.

JFA Insurance Brokerage & Associates is WBE certified by NYS, NYC, and Port Authority. To learn more about the WBE, click here

As an Agency JFA is actively involved in many local organizations including: the Queens Chamber of Commerce,  QSAC,  the New York Irish Center and the Long Island City Partnership.

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JFA Insurance has been our broker for over 20 years. They have provided us with exceptional service and competitive pricing. Three thumbs way up! Max Klimavicius Sardi's Restaurant
Max Klimavicius CEO Sardis Restaurant
Francine Salomon and the JFA Insurance team give you a high level of service along with expert knowledge . They are a pleasure to work with ! Lisa Marcus CEO Symphony Fabrics Inc.
Lisa Marcus CEO Symphony Fabrics
would like the say that this is one of the best insurance company experiences that I have had since expanding. The company always has a hands on approach with their clients which is very important in my industry and the customer service has been excellent!!!! Robert 'Don Pooh' Cummins, CEO of DPMG
Robert Cummins
My decision to have JFA handle all our insurance needs was one that will continue to bring me benefits long into my future career opportunities. The Staff is both professional and personal. Without them I would have drowned in unnecessary claims and fees. Doris Richards, Controller of Golden Corral Franchises
Doris Richards