COVID-19 Insurance Update
Breckles Group of Companies cares about the well being of our customers, employees and the communities we support. During this trying time our offices remain open as an essential service. However, our business values have helped us make operational adjustments to protect everyone. We must all do our part to stop the spread of COVID-19. Here is what we are doing at Breckles:
• Most of the Breckles staff is working from home.
• Limited employees for essential service remain in the office observing physical distancing.
• Customer service is limited to phone calls and emails. Our office doors are closed and we’re not accepting in person visitors.
• Enhanced cleaning and disinfection for our office.
• Supporting staff request to work from home to take care of family or for those requiring 14 day self isolation.
• Suspending all internal meetings and limiting customer meetings to urgent matters (such as claims)
• We continue to monitoring and follow best practices from the Public Health Agency and the Centres for Disease Control.
While this evolving situation is uncertain, you can count on the Breckles Business Continuity Plan to offer uninterrupted service for your insurance needs.
We hope you and your family have found ways to cope with this unusual and trying time. COVID-19 has us all in a state of uncertainty, but it also gives us the opportunity to come together and show the world what Canadians are about. Breckles Insurance Brokers would like to remind you to follow the advice of government officials and health professionals. Collectively, lets ensure our plans and resources safely get us through this pandemic.
A very special THANK YOU to our health care workers and those on various front lines to help keep our essential services in safe order.
President, Breckles Group of Companies Inc.
This is a difficult time for all of us. Work for everyone across Canada and the rest of the world has been impacted. Our battle with COVID-19 does not seem like a short term win. It is expected to be long and major life event changes will result as of this.
We have many articles to help you understand insurance. Life event changes often requires a conversation about insurance to make sure you’re getting the right coverage at the right price. Count on the Breckles blogs to help keep you safe and help identify if you need to call us to review your insurance.
Home & Auto Insurance Checklist:
✔️ Has the amount of KMs you drive to work and annually changed in anyway
✔️ Common discounts that we remind members of: Retiree, Multi Line and Multi Vehicle.
✔️ Consider our telematics car insurance program (Save up to 25% for group members, 30% for non-members)
✔️ Payment strategy: Do you need to consider a new monthly date to pay for the policy?
✔️ Coverage review: What coverage do you no longer need? In some cases, you might need to buy more coverage as this is not the time to take risks. A critical coverage we recommend is water damage protection for your home.
Recommended Blogs to save money and avoid costly mistakes:
Safe drivers earn up to 30% off insurance (25% for Group Members)
Commercial Insurance Policies do not appear to provide coverage for business owners impacted by the COVID-19 Virus. The reason for this is that Business Interruption is a follow form coverage. In other words, the proximate cause of loss must be as a result of a loss due to AN INSURED PERIL. Unfortunately, in our opinion, an Insured peril would not cover a pandemic, such as COVID-19.
Other coverage sections such as Contingent Business Interruption and Interruption by Civil Authority must be “triggered” from a loss, due to AN INSURED PERIL.
All Commercial Insurers are releasing their position on this exposure as the situation unfolds, and more information will be forthcoming.
Business Insurance Links:
My Breckles – Your Digital Insurance Documents:
Don’t forget to consider using My Breckles. Urgent situations might noramly require you to visit one of our offices for copies of policies or pink slips. Unfortunately, our offices can not accept visitors during this time of social distance. Use My Breckles to get a digital copy of your insurance or pinks slips. My Breckles login