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Frankfort Insurance during the Michigan Shelter in Place order

3/23/2020

Frankfort Insurance hopes that you and your loved ones remain healthy during this challenging time. Due to recent developments we're providing another update on our response to COVID-19.

The Michigan Governor's office has issued Executive Order 2020-21 which becomes effective March 24, 2020. In this order workers in the insurance industry are listed as critical infrastructure workers to the extent which work is to be completed by phone or remotely. To comply with this order and proper social distancing measures we will only have one person in our Main Street office and the location will continue to be closed to visitors. Per the order, all day-to-day business must be transacted by either email or phone until at least April 14th.

You can reach Frankfort Insurance by phone at 231-352-9697, email Andrew@Frankfort-Insurance.com or online at Frankfort-Insurance.com

With every day there are new challenges and we would ask for your patience in these difficult times. Please understand that our response time may be affected and that we are doing our best to make this as seamless a transition as possible.

Stay safe & healthy!

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Business Insurance- Can it help with lost income from COVID-19?

3/20/2020

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Amid the turmoil of our current situation many business owners have been contemplating the future and wondering how their business insurance policy may be of assistance. The question, "Will our business insurance cover a loss of income from COVID-19?" has been posed to me many, many times recently. While this question is quite straight forward the answer is not, and the topic has been an ongoing point of conversation in the insurance industry since the outbreak of this virus. The simple answer is that business policies will probably not provide coverage for loss of business income. I answer the question in this manner as not all commercial policies include the same policy language. Dependent on this, some policies may provide more of an avenue to argue the point for coverage than others. Most business policies are setup to help with business income loss caused by a physical loss to the business, such as a fire, lighting, windstorm, etc. With COVID-19 the loss of business income could very well not come from a direct physical loss to a business owners property.

The advice I have been giving my clients is to begin amending their business plans right now with the expectation that they will not be receiving any business income coverage. As well I feel it is wise for business owners to also begin gathering data regarding lost sales/bookings, returned funds and start compiling comparative data for submission in a potential claim. By doing both of these things they will be as prepared as possible going forward and ready to submit a claim if it comes to that. It is going to take some time for the insurance industry & the courts to work this topic through the system and allow precedents to be established. If down the road it turns out that the policy is able to afford coverage then it will be all the better for those businesses that were prepared.

For those who are interested in learning more on this topic and the current discussion, they can investigate the following articles. The first article is the least technical discussion of the three. The final two articles go fairly deep into the contract language and contain a lot of insurance jargon which may be more difficult to digest for those not accustomed to this field.

Does my business insurance cover the Coronavirus?
COVID-19 and Business Interruption
Insurance Coverage in the Time of Coronavirus

Article written by: Andrew Johnson
Insurance Agent & Owner
Frankfort Insurance Agency, Inc., Frankfort, Michigan

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Frankfort Insurance COVID-19 Office Hours

3/19/2020

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As the COVID-19 outbreak expands in scope and magnitude, we're actively monitoring the ongoing developments. The health and well-being of our employees, our policyholders, partners and their families are of the utmost importance and we are following all local government and public directives regarding the outbreak.

At this time we are open for business, however our office is closed to visitors. We are encouraging all our policyholders to stay at home and contact us via phone or email to transact any business. In the event that we fully close our office and work remotely, we will post this information on our website and our Facebook page.

We want to reassure you that while we are taking these preventative measures, this is still a business as usual scenario. Due diligence has been put in place to ensure we continue to provide both you the service you have come to expect from us.

Here is our plan to provide you with the support you need:
• Our office will be open to help with Customer Service and Payments over the phone from 9:00 AM - 5:00 PM EST.
• For after hours Customer Service questions, please leave a message on our voicemail and we will assist you when we become available.
• To make a Westfield Insurance payment directly, please click on Westfield Payments and you will be taken to their payment site. If you would rather call in to make a payment please call the Westfield Payment phone line at 1-800-552.
• To make payments to other insurance companies directly, please click on Contact My Company.

We continue to assess the situation on a daily basis in order to maintain business continuity, keep our workforce safe, and determine the necessary communication updates. We appreciate your continued support and patience and also wish that you, your family, and your loved ones stay healthy during these critical and unprecedented times.

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Frankfort Insurance & Coronavirus 19

3/13/2020

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With recent Coronavirus (COVID-19) cases being reported in Michigan, we want to assure you that we are closely monitoring the situation and are taking guidance from health agencies across the country. Your health and safety, as well as our employees, is a top priority for our agency as we face the current Coronavirus (COVID-19) situation.

Currently, we are maintaining regular business hours (Monday - Friday, 9:00AM - 5PM). We will continue to monitor the situation, and if necessary, we will make appropriate changes to ensure we are proactive in our efforts to mitigate risk. If there are changes to our hours of operations, we will keep you informed of these updates via email, our website at www.Frankfort-Insurance.com or our Facebook page www.facebook.com/FrankfortInsurance/

As a reminder, our insurance carriers have customer portals for you to access digital services such as paying your bill, viewing your account information and more. To get information about your insurance carrier’s electronic services, please visit: Contact My Carrier

Consider following these best practices (listed below), recommended by the World Health Organization and Centers for Disease Control and Prevention to help prevent the spread of this illness:
• Avoid touching your nose, mouth, and eyes
• Wash hands often with soap and water for at least 20 seconds (or use an alcohol-based hand sanitizer)
• Stay home when you are sick
• Wipe down cell phones and other personal devices with disinfectants twice a day
• Instead of shaking hands, consider waving or bumping elbows
• Cover your cough or sneeze with a tissue, then throw the tissue in the trash
• Avoid exposure to others who are sick

Information about this outbreak is changing rapidly. You can stay informed by regularly visiting https://www.michigan.gov/coronavirus and https://www.cdc.gov/coronavirus/2019-nCoV/index.html

We thank you for being a valued client of the Frankfort Insurance Agency as well as the part we all play in keeping our communities healthy and safe.

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Frankfort Insurance during the Michigan Shelter in Place order

Business Insurance- Can it help with lost income from COVID-19?

Frankfort Insurance COVID-19 Office Hours

Frankfort Insurance & Coronavirus 19

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