Coronavirus Updates | Zinc [Insurance]
  • Broadview Heights Ohio
  • Tuesday, Oct 20, 2020
  • 49°F
Coronavirus Updates

Coronavirus Stay At Home Order

March 23 2020 — Ohio Governor Mike DeWine ordered that all non-essential businesses will close tonight (Monday, March 23) at midnight until April 6th. Consistent with federal guidance, the property and casualty insurance industry is deemed essential. At zinc, all staff started working from home last week so we will remain open and ready to help you during our usual hours: 8:30a - 4:30p EST. We are happy to support you in any way we can during this confusing time. Please don't hesitate to reach out to us!

Commercial Trucking Customers
call Cindy Spiker 440-730-8901
Commercial Insurance Customers
call Christina McGoldrick 440-730-8903

As always, feel free to send us a message at hello@zincinsurance.com.

Coronavirus Update

March 17 2020 — When anything sudden or accidental occurs we’re trained to think about insurance as the solution. The recent public health crisis and the related consequences of governmental restrictions has done more than just inconvenience us all. For many business owners, it has had a serious impact on their ability to operate.

In an effort to provide thought leadership in a time of crisis, we wanted to provide you with some basic context that will allow you to think through your business’ situation, and whether or not insurance coverage might apply.

Business Interruption Coverage

Given the name, many people draw the conclusion that “Business Interruption” coverage might be a solution in times of public health crisis. “Business Interruption” coverage was designed to help cover ongoing expenses that arise out of covered physical loss that negatively affects a business, until operations are restored and revenue has returned to normal.

Business slowing down or stopping all together as a result of the most recent outbreak would not on its own be covered. Why? For ”Business Interruption” coverage to apply, your business must be unable to operate due to a “covered physical loss” of the property—think fire, tornado, lightning strike, etc. A public health crisis does not constitute a “physical loss” to the business’ property, and therefore we can generally say, there would be no coverage that applies.

Every business is different though, and given the constantly changing situation and responses by governmental authorities each potential claim would have to be considered individually. Coverage is ultimately decided by policy language, the cause of loss, and the determination of the insurance carrier.

Workers Compensation

Workers Compensation is another possible area where claims could arise as a result of the recent public health crisis. Should an employee contract COVID-19 while in the course and scope of their employment, there may be coverage in place to help offset an employee's loss of wages. Careful documentation and proof would be required as part of qualifying coverage, so please be meticulous in the documentation surrounding employee health and interactions with the public on behalf of your business. Customers with employees located in the states of Ohio, Washington, North Dakota, or Wyoming should contact their Bureau of Workers’ Compensation for further detail.

Stop Gap

If an employee were to allege their employer was at fault for exposing them to COVID-19, some states allow them to sue their employers over and above Workers Compensation coverage. In that case, “Stop Gap” coverage endorsed on a commercial insurance policy would cover the expense to your business related to the defense and settlement of the suit. Again, meticulous documentation surrounding employee health and interactions with the public on behalf of your business is critical to a good defense.

Zinc—Our Plan

Just like you, we are focused on being here for our customers, and are prepared to maintain our high standards for customer care in a critical moment for all businesses. We are working from home Monday-Friday 8:30 to 4:30 EST. With crisis in mind, our systems are hosted in cloud based environments which allows us to operate remotely. We are happy to continue giving you the reliable service you're used to.

As a result of the most recent developments related to the COVID-19 outbreak, zinc is cancelling all face to face customer and insurance company meetings until further notice. We encourage all our clients to make payments online or by phone. And should you like to discuss your business insurance policy please contact:

Commercial Trucking Customers
call Cindy Spiker 440-730-8901
Commercial Insurance Customers
call Christina McGoldrick 440-730-8903

And as always, feel free to send us a message at hello@zincinsurance.com.

Terms & Conditions

These Terms & Conditions govern your use of this website; your use of this website indicates your acceptance of these Terms & Conditions in full.

Kindly note that the information and content provided on this website does not constitute professional advice. Although we do our best to keep everything on this site correct and up-to-date, we do not guarantee the completeness or accuracy of any information provided on this website. Improvements and/or changes in the products, services and/or programs described on this website may be made at any time without notice. We must also advise that hypertext links to other websites do not constitute an endorsement, nor do we guarantee any information provided by those sites.

While we do love when users share what they find on our website, it may be used or shared only for personal purposes. The information and content provided on this website is owned or licensed by Zinc, and should not be used or disseminated for any profit or gain.

While using this website, please be aware that no insurance coverages can be bound and no amendments, supplements, or modifications can be added to your policy, new or existing, unless and until you have received a written binder from us or your insurance company.

For users outside of the US: We make no claims that the content on this web site is appropriate or may be downloaded outside of the United States. If you access the site from outside the United States, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction.

Even though we work hard to ensure the security and safety of our website and its users, we cannot and do not guarantee that this website will operate error-free, nor that this website and its server are without computer viruses or other harmful material. If your use of this website or material from it results in any costs or expenses, we will not be responsible for those costs or expenses. This website and its materials are provided without any warranties of any kind, to the fullest extent permitted by law.

Please bear in mind that we will not be liable for any losses or damages arising under these Terms & Conditions or in connection with this website, whether arising in tort, contract, or otherwise – including, without limitation, any loss of profit, contracts, business, goodwill, data, income, revenue or anticipated savings.

Finally, if for any reason any portion or provision of these Terms & Conditions is ruled to be unenforceable, that provision will be enforced to the maximum extent permissible so as to affect the intent of the Terms & Conditions, and the remainder of the Terms & Conditions will continue in full force and effect.

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