Coronavirus Resource Center
Information to help navigate COVID-19

COVID-19 Resource Center


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Our everyday lives have changed dramatically over the last several weeks as we work together to minimize the impact of the COVID-19 pandemic. We know these efforts are necessary, but they also have come at a cost.

Businesses have a number of responsibilities, including taking steps to protect their workers and customers while fulfilling their legal obligations. Employers are in a difficult position because the workplace has the potential to be a significant source of transmission. Learn more about employment regulatory/legal issues, business continuity, and keeping your workplace safe.

Below is information and resources assembled to help businesses navigate through the COVID-19 disruption.


A Message to Our Clients

We are in unprecedented and historic times. This worldwide pandemic is requiring all of us to change our normal, everyday, behaviors to help reduce and slow down the potential spread of COVID-19.

Heffernan Insurance Brokers’ priority is the health and safety of our employees, clients and partners. While our staff continues to work remotely, we remain committed to providing exceptional service to our customers and will make every effort to do so. Our service team members are operational and you will be able to reach them in the same manner you always have, whether by phone, email, or video conferencing.

We want you to know we are here for you as your partner, advocate, and advisor and we will strive to tackle the new world challenges that we currently face to the best of our ability. The passion and dedication of our employees and clients will carry us a long way in the wake of adversity as we do all that we can to navigate through uncertain times.

Our thoughts go out to everyone affected by the pandemic and we are grateful to those on the front lines caring for others – doctors, nurses, first responders, police, fire, and all essential workers.

We will continue to update you on the latest insurance information related to the pandemic and you can view additional details here on our COVID-19 Resource Center. Thank you for your business and continued support as we navigate this together. I look forward to the day we can visit with you in person.


Mike Heffernan, President and CEO

Mike Heffernan, President and CEO

External Resources and Guidance

Armanino: Latest in regulations and government changes prompted by COVID-19

President Trump’s Executive Orders for Pandemic Relief; Update on the FFCRA

Fidelity Learning Center

COVID-19 layoffs: What to do now?

Social Space Design

Helping small to medium organizations accelerate their reopening process and thrive in the new world

COVID Recovery Tracker


The Council of Insurance Agents & Brokers

Return To Work Guide

US Centers for Disease Control

Interim Guidance for Businesses and Employers

World Health Organization

Country and Technical Guidance Travel Advice

US State Department

Travel Advisories


Temporary Rule: Paid Leave under the Families First Coronavirus Response Act

European Commission

Travel Advisories

U.S. Department of Housing and Urban Development


CDC Fact Sheet

CDC Fact Sheet on COVID-19


Medcor COVID-19

US Department of Treasury

Assistance for Small Businesses

US Small Business Administration

Coronavirus Relief Options

COVID-19 Daily Newsletter from The Council

CIAB COVID-19 update: June 29, 2020

CIAB COVID-19 update: June 24, 2020

CIAB COVID-19 update: June 22, 2020

CIAB COVID-19 update: June 17, 2020

CIAB COVID-19 update: June 15, 2020

CIAB COVID-19 update: June 11, 2020

CIAB COVID-19 update: June 4, 2020

CIAB COVID-19 update: June 3, 2020

CIAB COVID-19 update: June 1, 2020

CIAB COVID-19 update: May 27, 2020

CIAB COVID-19 update: May 26, 2020

CIAB COVID-19 update: May 21, 2020

CIAB COVID-19 update: May 20, 2020

CIAB COVID-19 update: May 19, 2020

CIAB COVID-19 update: May 18, 2020

CIAB COVID-19 update: May 15, 2020

CIAB COVID-19 update: May 14, 2020

CIAB COVID-19 update: May 13, 2020

CIAB COVID-19 update: May 12, 2020

CIAB COVID-19 update: May 11, 2020

CIAB COVID-19 update: May 8, 2020

CIAB COVID-19 update: May 7, 2020

CIAB COVID-19 update: May 6, 2020

CIAB COVID-19 update: May 5, 2020

CIAB COVID-19 update: May 4, 2020

CIAB COVID-19 update: May 1, 2020

CIAB COVID-19 update: April 30, 2020

CIAB COVID-19 update: April 29, 2020

CIAB COVID-19 update: April 28, 2020

CIAB COVID-19 update: April 25, 2020

CIAB COVID-19 update: April 24, 2020

CIAB COVID-19 update: April 23, 2020

CIAB COVID-19 update: April 22, 2020

CIAB COVID-19 update: April 21, 2020

CIAB COVID-19 update: April 20, 2020

CIAB COVID-19 update: April 17, 2020

CIAB COVID-19 update: April 16, 2020

CIAB COVID-19 update: April 15, 2020

CIAB COVID-19 update: April 14, 2020

CIAB COVID-19 update: April 13, 2020

CIAB COVID-19 update: April 10, 2020

CIAB COVID-19 update: April 09, 2020

CIAB COVID-19 update: April 08, 2020

CIAB COVID-19 update: April 07, 2020

CIAB COVID-19 update: April 06, 2020

CIAB COVID-19 update: April 03, 2020

CIAB COVID-19 update: April 02, 2020

CIAB COVID-19 update: April 01, 2020

CIAB COVID-19 update: March 31, 2020

CIAB COVID-19 update: March 30, 2020

CIAB COVID-19 update: March 27, 2020

CIAB COVID-19 update: March 26, 2020

CIAB COVID-19 update: March 25, 2020

CIAB COVID-19 update: March 24, 2020

CIAB COVID-19 update: March 23, 2020

CIAB COVID-19 update: March 20, 2020

CIAB COVID-19 update: March 19, 2020


COVID-19 has brought our everyday life to a halt and left us with many unanswered questions. Below are common FAQs our team has been receiving as it relates to the ongoing pandemic.

COVID-19 FAQ – April 16, 2020

COVID-19 FAQ – April 9, 2020

COVID-19 FAQ – April 2, 2020

COVID-19 FAQ – March 25, 2020

Carrier News

Premium Payments

They will not send out NOCs prior to 6-1-20


Premium Payments

AmTrust offers flexible payment options including PAYO (Pay As You Owe) which provides a way to make smaller, more accurate payments based on actual payroll. You can call 866.505.4797 to speak to a representative over the phone, email a request to or go onto their website and live chat with a representative -

Berkshire Hathaway Homestate Companies

Premium Payments

During the upcoming months, notices of cancellation for non-payment of premium on direct bill policies sent by the Company will also include a document notifying them of their ability to request an extension of their cancellation date. To receive this extension on an eligible Auto or Property policy, eligible customers must contact the Company via our PC Client Services team at 877.680.2442. If an eligible customer requests an extension, the Company will rescind the pending non-payment cancellation and extend the cancellation date to a future date. Our tentative plan is to extend the cancellation date to 6/1/2020 for any eligible customer who requests an extension. We hope this extension will give our customers sufficient time to make arrangements to keep their businesses running.

CA Department of Insurance

Premium Payments

Commissioner Lara hereby requests that the grace period to pay insurance premiums be extended until July 14, 2020. Accordingly, insurance companies should not cancel or non-renew a policyholder for failure to pay insurance premiums during this time period. On or after July 14, 2020, if a consumer has not been able to pay their outstanding premiums or has not worked with the insurance company on an alternate payment schedule, insurance companies should provide consumers with at least 10 days’ prior written notice of cancellation. This written prior notice should include the effective date of the cancellation and the reasons for the cancellation in a manner consistent with the requirements of the Insurance Code for the particular line(s) of insurance at issue.California Insurance Commissioner Ricardo Lara has issued a notice requesting all insurers to provide insureds at least a 60-day grace period before canceling policies for non-payment of premium. The commissioner also made the request that to ensure policies are not cancelled for nonpayment or premium due to the national COVID-19 public health emergency. All licensees are hereby notified that they should not attempt to enforce policy or statutory deadlines on policyholders until 90 days after the end of the statewide "state of emergency" or other "state of emergency" that impacts a specific policyholder. Commissioner Lara and the California Department of Insurance have determined that the current COVID-19 pandemic is a circumstance beyond the control of the insured, thereby constituting “good cause” under the applicable laws.


Mid-Term Adjustments

CNA's corporation position on mid-term adjustments to payroll & sales is to NOT adjust and await Audit.

Premium Payments

Until June 1, 2020, CNA will be suspending all policy cancellations for nonpayment, waiving all late fees and continuing regular premium billing.

CompSource Mutual

Mid-Term Adjustments

As temporarily suspending late payment cancellations relief measure comes to an end in June, past due balance would have been due. To minimize the potential impact to policyholders, we have spread the past due amount into monthly installments!

Option to reduce premium for businesses still paying non-working employees - Some businesses are able to pay employees even though they’re not working. To show our appreciation for this generosity, we will exclude those wages from payroll calculations which will help lower the premium due. Some paperwork will be necessary, so please contact our Underwriters for guidance.

Premium Payments

Reinstatement option for lapsed policies - If a policy has lapsed, it can be reinstated within 14 days if the policyholder is willing to attest that no claims or on-the-job injuries have occurred in that time. Lengthened the renewal grace period - Our renewal grace period has been extended from 10 days to 30 days. Payment assistance - If you’re experiencing financial difficulties due to coronavirus and need assistance, please get in touch. We’ve empowered our employees to find payment options for you. Contact our Billing Department to discuss options.

Copperpoint/Pac Comp/Alaska National

Mid-Term Adjustments

Many businesses that we insure are being confronted by unprecedented hardship. In response we are prepared to address mid-term endorsement requests to reduce policyholder payroll and/or receipts. Please send your endorsement requests to us as you have in the past. If you are on interim audit / monthly reporting simply continue reporting as usual.

Premium Payments

As is customary, final premium will be determined through the final audit process.


Premium Payments

While the decision to provide a grace period or a change in payment terms for an insured ultimately lies with the individual carrier, and in some limited instances a State, we want you to know that we stand ready to assist our mutual customers in requesting payment relief, if they are not able to make premium payments or need a reduction in those payments during this time. We understand that each situation is unique and are prepared to present the individual hardship to the appropriate carrier, case by case.


Mid-Term Adjustments

In most cases, updating your payroll can be done online by an agent using our EACCESS Self Service Endorsement portal and endorsements can be processed in as little as 24 hours, sometimes significantly impacting premiums due. Payroll endorsements can be submitted by agents for existing classifications on current locations in  EACCESS . If you are unable to submit your endorsement online, you can email your endorsement request to

Premium Payments

Given the extraordinary national circumstances, EMPLOYERS is offering immediate relief by placing a moratorium on all billing cancellations. Additionally, all pending cancellations that were effective as of 3/1/2020 have been rescinded. The moratorium will be reevaluated by 4/19/20 for alteration or extension.

First Insurance Funding

Mid-Term Adjustments

If the insured has reduced coverages and received a return premium credit from the carrier, contact them. They can apply the premium credit as a credit in full toward the next payment due.

Premium Payments

Offering grace periods to allow extra time to make payment arrangements. For small and medium sized businesses, they have preapproved a hold on cancellations to offer up to 10 additional days to make payment before cancellation notices are sent. Upon request, they will hold cancellation notices up to 30 total days after the due date. They will waive late fees upon request.


Premium Payments

With states reopening and the expiration of state mandates, we’re writing to let you know that we will be lifting our cancellation moratorium. We will return to our regular cancellation practices as follows. As we lift the hold, there will be a three-day grace period. If you have agency billed policies, we request that you initiate cancellation for past-due Hanover accounts in accordance with this schedule.

Case by case basis at this time. Insureds need to contact 800-626-6601 directly and they can go over payment options. The Hartford will now be suspending cancellations for non-payment until May 31, 2020, and we will not be assessing late fees for premiums due on or before that date.


Mid-Term Adjustments

Will endeavor to work with insureds to accommodate temporary changes in their business operations.

Premium Payments

While a number of states still have moratoriums in place, many have now ended, along with The Hartford's own self-imposed moratorium. As the country continues to take positive steps to safely reopen the economy, we need to similarly return to our regular billing practices wherever practical and appropriate. To that end, we want to provide some additional clarification on what that means for you in obtaining the agency-bill relief shared above:

  • For policies in any state subject to a continuing mandatory moratorium, agents/brokers have until the end of that state moratorium to proactively contact us and request cancellation for non-payment of unpaid policies.
  • For policies in any state subject to a continuing voluntary moratorium, agents/brokers have until June 15, 2020, to either proactively contact us to request cancellation for non-payment of unpaid policies or to discuss alternative billing arrangements.

If you are unsure whether a moratorium is mandatory or voluntary, or have any other billing questions or require additional flexibility, please contact us at 1 877-322-4833 for assistance.

Liberty Mutual and Safeco

Premium Payments

We’re announcing a 15% refund on two months of premium for all Businessowners policies (BOP), including those that are written as part of a specialty program. Here’s what you can expect: Small commercial customers will receive a 15% refund of two months of their annual BOP premium for policies in-force as April 1, 2020, pending regulatory approval. The refunds will begin in the upcoming weeks and will be issued by check. The payments will happen automatically. Customers do not need to call Liberty Mutual to receive the refund. We are also suspending non-renewals with policy effective dates of April 1 through July 31 for small business policies. We have been and will continue to work with you on a case-by-case basis to reflect the exposure changes your customers are experiencing for Custom Protector, Comprehensive Business Package, general liability and workers compensation policies. We can also work with you to suspend vehicle coverage. Please contact Safeco Insurance at 877-566-6001 or Liberty Mutual Service Center at 866-290-2920. Late fee charges have been automatically stopped and cancellations due to non-payment have been temporarily paused for small commercial customers from March 23 through at least June 1, 2020.


Premium Payments

In order to ease the financial burden faced by our customers during the COVID-19 pandemic, MedPro is temporarily postponing due dates for outstanding premium payments until June 30.

Missouri Employers Mutual

Premium Payments

We are working with accounts on a case by case situation as one size doesn’t necessarily fit all. Some are adjusting payrolls down during this time.  We won’t take them down to zero but we will adjust. Some may have some payroll changed to a different class code if work is not being done. Some accounts after that are getting on 12 month EFT to keep their payments the lowest we can.  Just communicate with the underwriter on which account you want to discuss.


Premium Payments

We are suspending non-payment cancellations, for those that cannot make their scheduled workers' compensation insurance payment. We will re-assess the situation on May 20th and keep you informed. We will continue to issue billing notices for all policyholders that are able to make their payments on their usual schedule and due date. For policyholders currently enrolled for automatic ACH payment, we will continue to withdraw their installment payment on their designated draft date unless we are contacted to cancel the agreement.


Mid-Term Adjustments

You may request mid-term adjustments related to reducing exposures for customers.

Examples that may reduce premium that do not impact coverage:

  • Adjusting Workers' Compensation, BOP and General Liability estimated exposures
  • Adjusting exposure basis for actual loss sustained coverages

Examples that may reduce premium that do impact coverage:

  • Increasing deductibles
  • Suspending Collision coverage
  • Reducing coverage limits

Premium Payments

If you are aware of customers that require assistance with the payment of their insurance premium, please contact us at 1-888-508-8622. In many cases we can help with the extension of due dates and/or the waiving of late fees. Nationwide will always comply with legal and regulatory orders.

Nonprofits Insurance Alliance

Premium Payments

  • 20% return of auto liability premium for the months of March and April. Members who had an active auto liability policy in force as of March 31st can expect 20% of their premium returned!
  • All 3% finance charges waived for the rest of the year. Previously, we notified you that we are waiving this finance charge until 6/1. Now, we’re pleased to continue to waive this charge for the rest of 2020 for all policies.
  • Effective 6/1, the suspension on nonpayment cancellations is lifted. We announced in March that we were suspending nonpayment cancellations through 6/1. If your clients are currently in past-due status, or if they anticipate being in past-due status after 6/1, please have them contact us at or call 800-359-6422 (select Option 1 for Finance).

We foresee that some nonprofits may have to curtail parts of their operations or in some cases cease operations until a government order to shelter in place (or similar requirement) is lifted. If your client is impacted, reach out to your underwriter and we will work with you to adjust exposures that more accurately represent the nonprofit’s situation for the next couple of months.

Oregon Mutual

Premium Payments

Please have insureds contact the billing department at 800-888-2141 Option 4 and they can go over payment options.

Pacific Compensation (see Copperpoint/Pac Comp/Alaska National)

Premium Payments

They are putting all NOCs on hold until 6-19-20. If they need payment assistance, contact Lisa Burola at 818-575-2768. She can't take payments over the phone but they can call this number to pay by phone 888-841-2366. Be sure to have policy number handy. Billing flexibility until June 1 on a case by case basis. This can mean no payments until June 1 but be sure to speak with your underwriter about details.


Premium Payments

What we can do to help will vary by insured and how much time is left on the policy in question. We can’t waive a payment or skip one, but we may be able to restructure the payment plan (or we may not if there is not enough months left in the policy to do so). PHLY Customer Service Contact Center - Phone: 1.877.438.7459 (Mon-Fri 8:30am - 8:00pm ET), E-mail :


Premium Payments

Starting Wednesday, April 1, 2020 continuing through Friday, May 15, 2020, Progressive customers will not be canceled or non-renewed for non-payment of premium. We’re aware that some states have already issued leniency guidelines and we will adjust this timeline to either meet or exceed any state-specific requirements. Please note that this may not apply to all products in California. In addition, customers will not be charged any late or cancel fees, receive any cancel notices, or experience any lapses in coverage during this time. This cancellation and non-renewal moratorium applies to all Progressive Personal Lines, Progressive Home and Property, and Progressive Commercial Lines products. We also recognize that businesses may have unique and changing insurance needs and are here to walk through options that best fit their business situation. Please note that we will not be reinstating policies that canceled for non-payment prior to April 1, 2020. Also, if you have customers paying via automatic payments who wish to be removed from this payment option, they will still need to call customer service to make that update.

Republic Indemnity

Premium Payments

Insureds should contact the billing department directly at 800-821-4520 Option 2. Moving forward, we are making every effort to communicate with all our brokers before a notice of cancellation for nonpayment is released on a policy. However, if our attempts to communicate with them are ignored and after a reasonable time, we will release notice. We will work with our policyholders taking into consideration the financial hardships caused by the coronavirus and temporary business closures that may have impacted them. We will accept partial payments in good faith or spread out the outstanding balance by adding installments to lower the monthly payment. We will work out payment plans on additional premiums developed from final audits (normally 3/mo payments – will allow 6/mo payments. We will also work closely with our underwriters to lower the estimated premium on installment plans if a significant change in payroll is anticipated. It is very important that you keep us up to date with their situation in order to closely monitor and assess the situation.

State Compensation Insurance Fund

Premium Payments

We are placing a moratorium on policy cancellations and late payment penalties. In addition, we will extend credit to any business negatively impacted by COVID-19 events and offer policyholders the ability to adjust your payroll reporting.

Tokio Marine HCC Surety Group

Premium Payments

In compliance with all State regulatory guidelines regarding COVID-19, we enacted premium grace periods, waiver of late payment and reinstatement fees, payment plans, moratorium on cancellations for non-payment, deferral of any non-renewal underwriting actions and continuation of coverage for expiring bonds in varying degrees by State.

If you receive a customer request to discuss billing or make alternative payment arrangements, please contact your Surety Group underwriter or Loradane Arzadon at 714-740-7001 and by email at


Premium Payments

Travelers will suspend cancellation and nonrenewal of coverage due to nonpayment through June 15, 2020. They will not not charge interest, late fees or penalties during this period, providing policyholders extra time to pay their premiums without risking cancellation. They are also offering billing support to its customers who are financially affected by the actions being taken to reduce the spread of COVID-19. Should you have questions on setting up special billing arrangements, please contact us at the following numbers:

USLI/Devon Park Specialty

Mid-Term Adjustments

We will continue the end-of-term audits for those policies that have audits documented on the original quote. If the exposure basis has decreased as a result of the audit, we will provide a return premium at that time, subject to the minimum premium. For any other policies where a material reduction in exposure has occurred, please contact your underwriter for review.

Premium Payments

We have suspended all cancellations for non-payment at the present time to provide financial relief to our policyholders. Our Direct Bill minimum premium requirements will be waived when requested at time of binding, and any of our bill plans will be made available in order to ease any immediate financial burden. Existing policyholders can contact us to discuss options for changing their current payment plan to allow for a longer payment schedule.

We will make reasonable accommodations for policyholders to prevent cancellation of coverage for non-payment of premium during this unprecedented time. We are suspending cancellation for non-payment of premium until June 1, 2020 or longer if required by your state or if the disruption caused by COVID-19 continues for a greater period. This moratorium period is not a waiver of premium but is intended to constitute a grace period to allow your business to recover from a decline or stoppage of business due to COVID-19.


Mid-Term Adjustments

Employees Being Paid but NOT Working Since there is no exposure for workers’ compensation claims when an employee is being paid but not working, WCF is implementing a short-term policy to exclude the qualifying payroll of employees not working. Payroll in this situation will be assigned to a new class code, 0012.

Employees Being Paid AND Working from Home

Employees working from home in a clerical office capacity due to a change in their business operations related to the COVID-19 pandemic are eligible for reclassification.

Premium Payments

We are now preparing to restart the issuance of non-payment cancellations on or around May 1, 2020, in the majority of states (where such action is permitted). We will attach a brief letter to each cancellation notice, which will provide contact information should a policyholder need to reach out for assistance (such as alternate billing plans or a grace period) due to the COVID-19 pandemic.


Mid-Term Adjustments

Zurich's corporation position on mid-term adjustments to payroll & sales is to NOT adjust and await Audit.

Premium Payments

At this point Zurich does not have a companywide directive on this matter. Each insured is encouraged to call our billing team at 1-800-258-8157 for direct billing matters or send an email to Also Zurich has declined making midterm policy changes to reduce exposures.


Videos and Webinars

Industry experts guidance for nonprofits on business resources needed to conquer COVID-19

Industry experts guidance for nonprofits on business resources needed to conquer COVID-19

Business Reentry Strategies During COVID-19

Business Reentry Strategies During COVID 19

Unpacking the CARES Act Paycheck Protection Loan Program

Unpacking the CARES Act Paycheck Protection Loan Program Webinar
View the Power Point

COVID-19 Benefits Webinar

COVID19 Benefits Webinar


COVID-19 What Brokers Need to Know

COVID19 What Brokers Need to Know Webinar

COVID 19 Insurance Brokers, Employment Attorneys, Tax Accountants “real time” advice

Insurance Brokers, Employment Attorneys, Tax Accountants “real time” advice on COVID-19


Insurance Brokers, Employment Attorneys, Tax Accountants “real time” advice on COVID-19

Insurance Brokers, Employment Attorneys, Tax Accountants “real time” advice on COVID-19

COVID-19 HR Guidance and Best Practices

Strategies for Coping with Market Volatility Video


Handling Market Volatility

Handling Market Volatilty

Strategies for Coping with Market Volatility

Strategies for Coping with Market Volatility Video



The material provided on or through this website is for information purposes only and is not intended to provide any financial, legal, or medical advice or opinion in regard to any individual situation. This information should not be relied on to determine insurance coverage or lack thereof. Insurance forms and endorsements, and insurer rules and guidelines, evolve over time and vary based on insurance company, changes in edition dates, regulations, court decisions, and state jurisdiction. The information provided here is based on a review of insurance coverages that may be implicated in regard to COVID-19 from sources we deem to be reliable, and communications we have received from insurance companies and other relevant resources. We make no representation or warranty as to the accuracy of this information as applied to any individual case. Please advise our office if you want to discuss your specific insurance coverages or needs, or to submit a claim for coverage with your insurance provider.

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