Previous messages from Commissioner Causey
Coverage Related to the Coronavirus Health Emergency
With the recent pandemic of the coronavirus, some business owners may be wondering whether their insurance policies cover losses resulting from a business shut down or other losses related to the coronavirus. Under the business income policy, there likely is no coverage as losses occurring as a result of a virus or bacteria are typically excluded. Business owners with questions about their coverage should contact their agent/broker or insurer directly and consider whether it is in their own best interest to file a claim. Please note that the North Carolina Department of Insurance does not have the authority to require insurers to extend coverage under the policy where specifically excluded or to sell this type of coverage to consumers.
Seniors’ Health Insurance Information Program (SHIIP) Resources
Telehealth Links and Alternate Insurance Options
NCDOI is happy to help you with any insurance questions you may have. Call us at 855-408-1212 – We’re here to help!
Stay at Home Orders
This list contains all of the “Stay at Home” or “Shelter in Place” orders that have been issued by the State of North Carolina AND local units of government across our state, and includes a reference to whether the orders exempt insurance services. Please note that pursuant to the Statewide Stay at Home Order (Executive Order 121), local units of government may still issue orders that impose stricter restrictions or prohibitions on its citizens that that called for the Executive Order 121.
Thus far, all of the orders that have been issued DO exempt insurance services. This means that the insurance industry has the choice to have their essential employees (agents, adjusters, etc.) either work in the office or at home during the declared “Stay at Home” or “Shelter in Place” orders. It does not mean an office must open its doors. Instead, the insurance industry can have their essential employees be available either by phone, online or by appointment.
Wednesday, April 22, 2020
All copyrights for this article are reserved to Corona Virus