COVID-19 Updates

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A Statement From Our Leadership Team

During this unusual time, Berkshire Hathaway GUARD wishes to reinforce our commitment to our agents, our policyholders, our claimants, our employees, and all stakeholders. We are closely monitoring the impact of COVID-19 on the country (and the world) and continue to follow guidelines issued by government health authorities, including the U.S. Centers for Disease Control, the World Health Organization, and local agencies. Through an established but fluid Business Continuity Plan that includes remote access for our work force, our goal is to minimize any disruption in service levels while also ensuring the safety of our employees.

As circumstances change, we remain committed to reacting timely and appropriately to state and federal mandates which help to assist our policyholders, claimants, and agents. Specifically:

Payment Flexibility Options

In response to the ongoing COVID-19 crisis, we have payment options available for our customers experiencing financial hardships as a result of the COVID-19 pandemic. We will also continue to comply with any directives issued by state departments of insurance on billing issues. We value your business and want to do what we can to help you during this difficult time. If you are experiencing financial hardship as a result of the COVID-19 pandemic, please call us at 1-800-673-2465 to discuss billing and make alternative payment arrangements.

See State-Specific Notices below.

Contact Us

Claims for all types of coverage should continue to be reported to us via 1-888-NEW-CLMS (1-888-639-2567). Our dedicated claims team is available 24/7. Disability claims related to COVID-19 should be reported using the forms available here.

Our Customer Service Department is available to handle calls from 8:00 AM to 7:30 PM EST at 1-800-673-2465 or email us at csr@guard.com or contact us via online chat through our Policyholder Service Center.

Manage Your Policy

Login to our online Policyholder Service Center to manage your account. You can make a payment, review claims and converse with an adjuster, view and print policy documents, chat with a Customer Service Representative and more.

Warnings

We want all of our policyholders to be aware of the heightened risk of scams and price gouging during financial disruptions, and we would like to remind you to contact your insurance agent before purchasing unsolicited insurance policies or changing the terms of current insurance policies.

State-Specific Policyholder Notices

DELAWARE – 7/10/2020

During these challenging times, Berkshire Hathaway GUARD recognizes the financial hardship placed on many of our policyholders, and we want to help. Therefore, in response to the State of Delaware’s recent decision to lift the moratorium on insurance policy cancellations/non-renewals as of July 1, 2020, we wish to alert you of the following.

A notice has been sent to our Delaware policyholders who have past-due premiums for the period from March 25, 2020 through July 1, 2020. If your payment is past due because of financial hardship as a result of the COVID-19 pandemic you are entitled to a 90-day interest and penalty-free repayment plan to pay those past due premiums.

IMPORTANT: To take advantage of any extended repayment plan, impacted policyholders must contact us within two weeks of the date of the notice to request the payment plan.

Our Customer Service Representatives are available Monday through Friday from 8:00 AM to 7:30 PM at 1-800-673-2465 or email us at csr@guard.com or contact us via online chat through our Policyholder Service Center.

Illinois – 4/9/2020

Notice of Contact for Complaints

This notice is to advise you that, should any complaints arise regarding this insurance, you may contact us and the Illinois Department of Insurance. Correspondence for us should be forwarded to the address listed below:

Berkshire Hathaway GUARD Insurance Companies
Attn: Complaint Log Administrator
39 Public Square
PO Box A-H
Wilkes-Barre, PA 18703-0020

Correspondence for the insurance department should be mailed to:
Illinois Department of Insurance
Consumer Division
122 S. Michigan Ave., 19th Floor
Chicago, IL 60603

Illinois Department of Insurance
320 West Washington Street
Springfield, IL 62767

Phone: 866-445-5364

Web Site to use to file a complaint online: https://mc.insurance.illinois.gov/messagecenter.nsf

If you have any questions about this notice, don’t hesitate to contact one of our Customer Service Representatives at 1-800-673-2465.

Oklahoma – 4/9/2020

As a result of the ongoing COVID-19 pandemic and in response to the Oklahoma Insurance Department’s PC Bulletin No. 2020-01 Amended April 6, 2020, we wish to offer the following information to our Oklahoma policyholders.

Coverage

We understand that our policyholders will likely have questions about your insurance policy and how it may be impacted by the developing virus situation. We urge you to carefully read your specific insurance policy and all of the endorsements that are part of your policy. When you review your insurance policy, please pay careful attention to the Coverage Terms and Exclusions and specifically note the following:

  • Property Damage: Our standard form of Businessowner’s policy covers “direct physical loss of or damage* to Covered Property….”
  • Business Income: If you elected to purchase insurance for your property, our standard form of Businessowner’s policy includes coverage for loss of Business Income due to the suspension of your operations. Under the terms of the policy, “The suspension must be caused by direct physical loss of or damage* to property at the described premises.”
  • Business Income from Dependent Property: If you elected to purchase insurance for your property, our standard form of Businessowner’s policy includes coverage for loss of Business Income due to the suspension of your operations. Under the terms of the policy, “The suspension must be caused by direct physical loss of or damage* to property at the described premises.”
  • Civil Authority: If you elected to purchase insurance for your property, our standard form of Businessowner’s policy includes coverage for loss of Business Income due to the action of civil authority (governmental order) prohibiting regular operations at the described premise. Under the terms of the policy, the action must be a result of “when a Covered Cause of Loss causes damage to property other than property at the described premises.”*
  • Exclusion of Loss Due to Virus or Bacteria: Our standard form of Businessowner’s policy includes an Exclusion for loss or damage, which provides: “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.” This exclusion applies to all property coverages including business income, Business Income from Dependent Property, and civil authority.

    *Emphasis added.

This information is for general purposes only and is not intended to provide coverage advice or opinions with respect to your individual policy or any claim. We will investigate property and liability claims as submitted to determine if your policy will respond to any such claim. If you have questions about coverage contact your agent or broker or contact us at 1-800-673-2465 or csr@guard.com.

New Jersey – 4/20/2020

As the coronavirus pandemic continues, we recognize the negative impact this situation may be having on our policyholders, and we want to take this opportunity to reinforce our commitment to all of our customers. As a result and in response to the New Jersey Department of Banking and Insurance’s Order No. 123, we wish to notify you of certain measures that we are taking to provide temporary premium payment relief to policyholders experiencing financial hardship as a result of the COVID-19 pandemic.

Specifically, we are:

  • Suspending cancellations for non-payment of premium for 90-days beginning retroactively on April 1, 2020 or May 1, 2020 (at the policyholder’s discretion);
  • Waiving late fees for premiums and not reporting late payments to credit rating agencies during the 90-day grace period;
  • Allowing premiums due but not paid during the 90-day grace period to be paid over the remainder of the current policy term or up to 12 months in up to 12 equal installments, whichever is longer;
  • Ensuring that late payments during the 90-day period are not considered in any future premium calculations at any time (i.e., applicable late payments will not be counted for any rating, pricing, tiering attributes, etc.).

As circumstances develop over the next few weeks, we will revisit and adjust this timing as needed. We will also continue to comply with any directives issued by the state department of insurance on billing issues.

If you are experiencing financial hardship as a result of the COVID-19 pandemic, please contact us at 1-800-673-2465 or via email at csr@guard.com to discuss payment arrangement alternatives. Payments for all lines of insurance can be made online at www.guard.com, through our Policyholder Service Center at policyholder.guard.com/access, by contacting our Customer Service Department at the number or email address shown above, or through traditional mail to the address below.

New York – 4/2/2020

Posted 3/24/20

We understand that there will likely be questions about your insurance policy and how it may be impacted by the developing COVID-19 virus situation. We urge you to carefully read your specific insurance policy and all of the endorsements that are part of your policy.

When you review your insurance policy, please pay careful attention to the Coverage terms and Exclusions and specifically note the following:

  • Property Damage: Our standard form of Businessowner’s policy covers “direct physical loss of or damage* to Covered Property….”
  • Business Income: If you elected to purchase insurance for your property, our standard form of Businessowner’s policy includes coverage for loss of Business Income due to the suspension of your operations. Under the terms of the policy, “The suspension must be caused by direct physical loss of or damage* to property at the described premises.”
  • Business Income from Dependent Property: If you elected to purchase insurance for your property, our standard form of Businessowner’s policy includes coverage for loss of Business Income due to the suspension of your operations. Under the terms of the policy, “The suspension must be caused by direct physical loss of or damage* to property at the described premises.”
  • Civil Authority: If you elected to purchase insurance for your property, our standard form of Businessowner’s policy includes coverage for loss of Business Income due to the action of civil authority (governmental order) prohibiting regular operations at the described premise. Under the terms of the policy, the action must be a result of “when a Covered Cause of Loss causes damage to property other than property at the described premises.” (Emphasis added).
  • Exclusion of Loss Due to Virus or Bacteria: Our standard form of Businessowner’s policy includes an Exclusion for loss or damage, which provides:
    “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.”This exclusion applies to all property coverages including business income, Business Income from Dependent Property, and civil authority.

    *Emphasis added.

The notice is for general informational purposes only and is not intended to provide coverage advice or opinions with respect to your individual policy or any claim. We will investigate property and liability claims as submitted to determine if your policy will respond to any such claim.

If you have questions about coverage contact your agent or broker, or contact us. Our Customer Service Department is available to handle calls from 8:00 AM to 7:30 PM EST at 1-800-673-2465 or email us at csr@guard.com or contact us via online chat through our Policyholder Service Center.

Updated 6/19/20

REGULATORY NOTICE: In response to the ongoing COVID-19 crisis, the New York State Department of Financial Services has issued orders or emergency regulations that require insurers to provide temporary premium payment relief for policyholders experiencing financial hardships as a result of the COVID-19 pandemic. (https://www.dfs.ny.gov/system/files/documents/2020/03/re_consolidated_amend_pt_405_27a_27c_new_216_text.pdf). We will be suspending cancellations for non-payment until July 6, 2020, and we will not be assessing late fees for premiums due on or before July 6, 2020. As circumstances develop over the next few weeks, we will revisit and adjust this timing as needed. We will also continue to comply with any directives issued by state departments of insurance on billing issues. If you are experiencing financial hardship as a result of the COVID-19 pandemic, please call us at 1-800-673-2465 to discuss billing and make alternative payment arrangements.

Posted 4/13/20

Payment Flexibility for Missed Payments

In addition to the payment information previously noted, policyholders who did not make a timely payment due to financial hardship as a result of the COVID-19 pandemic and who can demonstrate such financial hardship, may call us at 1-800-673-2465 to arrange to make their missed payments over a 12-month period.

Please do not hesitate to contact us with any questions or concerns.

We wish the best to all during this challenging time.

The Berkshire Hathaway GUARD Leadership Team

Page last updated July 10, 2020.