Our Updated Response to COVID-19
Policyholders affected by recent Tennessee tornadoes - Click here
Illinois Policyholders Affected by Recent Severe Weather - Click here
We are working closely with our agency partners to help those affected by the recent severe weather in Christian County. Additionally, the Illinois Department of Insurance has issued guidelines governing the treatment of all consumers affected by this disaster, and we are implementing those and other measures to assist our policyholders in this difficult time.

Our policyholders may contact us with any questions or concerns at 1-800-877-3579 as our staff is ready to help! The Department of Insurance is also available to assist with any complaints regarding disaster-related disputes or issues by calling their toll-free complaint hotline at 1-866-445-5364 or by filing a complaint online at https://mc.insurance.illinois.gov/messagecenter.nsf.
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Columbia Insurance Group's Response to COVID-19

To Our Agency Partners:

We understand the significant impact the COVID-19 pandemic and the governmental responses associated with the outbreak has had on you, your clients, and communities. To assist your clients with some of the financial hardship created by these uncertain times, we have outlined steps we are taking to ease the burden.

60-Day Hold on Cancellations

We recognize that many of our agency partners and policyholders are small business owners who are feeling the direct effects of precautions being taken across the country. We are continuing to do all we can to support small businesses in our communities during this time.
We will suspend the mailing of all cancellation notices for non-payment of premium issued to commercial policyholders, lienholders, or additional interests for 60 days beginning March 23, 2020 and ending May 22, 2020. We will reevaluate this grace period as the expiration date approaches to determine if a further extension is appropriate. Cancellation notices that would have generated during this window of time will be sent the day after the grace period expires. This grace period is not a waiver for those past due payments.

We will continue to send invoices reflecting the balance due during the grace period. Any policy or account in cancellation pending status prior to March 23, 2020 will not be impacted by this grace period and must be dealt with on an individual basis.

Midterm Payroll and Sales Adjustments

We understand that many of your hospitality and small business clients may be experiencing a shift in both sales and staffing that could significantly impact their projected annual revenues or payroll expenditures. Please reach out to your underwriter to review their current exposures and discuss any changes that may be appropriate. Please communicate to your clients that “work from home” does not affect how their payroll expenditures are calculated and may, in fact, actually increase their exposure given new risks presented by alternative work environments. Policies changed midterm will be subject to a mandatory audit to calculate the final premium amount.

Delivery Exposures

In light of the unique burdens placed on your restaurant clients, we encourage the use of third-party delivery services like Doordash, Delivery.com, GrubHub and Uber Eats to handle their delivery exposure.

Should that not be a viable solution, ask your underwriter to attach our Food Delivery Limited Exclusion, BP391 (10-15) for our BOP and Safeguard policyholders. We will broaden the definition of catering to include deliveries made in lieu of dine-in customers due to restrictions placed by governmental authorities as a result of the COVID-19 virus outbreak. This broader definition will apply for a minimum of 60 days from the effective date of the endorsement. We will reevaluate events prior to the expiration of the 60 days to determine if the broader definition should be extended further. This coverage will not be extended to any umbrella policy associated with a policy or account, and the current auto exclusions on the umbrella policy will remain inforce. We will not write this coverage if there is a commercial auto policy associated with the insured through another carrier. If we write a restaurant on a package policy (CMP) or general liability policy (GL), or if we have the commercial auto policy for the account, your underwriter can work with you upon request.

In response to a number of questions we have received regarding Business Income in light of the impact of the COVID-19 outbreak, our Claims team has summarized some of our initial thoughts on these issues.

General Information Regarding Business Income Coverage in light of COVID-19

We review every claim on its own merits, giving consideration to the applicable law in each jurisdiction. With that in mind, we thought it would be beneficial to share some general guidance with you regarding our primary business products given you have likely received a number of questions from your policyholders.

Below you will find an overview of the coverage afforded under our business polices based upon the information available at this time. This information is not an official coverage determination either in favor of or against coverage, but meant to provide general guidance for you and your customers. If you have specific coverage questions you may contact your local Claim Manager for additional information.

First Party Property Coverages and COVID-19

  • BOP, Safeguard and CMP Policies: Loss of business from COVID-19 is not covered for either business income or extra expense. Damage to the covered insured premises or property from a covered cause of loss must occur for these coverages to apply. Further, both policies contain exclusions for viruses that apply to all first party coverages.
    • ISO form CP 01 40 07 06 is titled “Exclusion for Loss Due To Virus Or Bacteria” and contains the following language:
    • B. We will not pay for loss or damage caused by or resulting from any virus, bacterium or other microorganism that induces or is capable of inducing physical distress, illness or disease.

    • BOP and Safeguard policies contain the following language:

      B. Exclusions

      1. We will not pay for loss or damage caused directly or indirectly by any of the following. Such loss or damage is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss. These exclusions apply whether or not the loss event results in widespread damage or affects a substantial area.

      Virus Or Bacteria

      (1) Any virus, bacterium or other microorganism that induces or is capable of inducing physical distress, illness or disease.
  • Civil Authority Coverages: For coverage to apply, damage from a covered loss must occur to another property and such damage needs to be the reason for the civil authority to restrict access to the insured property. Virus exclusions also apply to this coverage.