COVID-19 - Important Message to Our Policyholders
Erie and Niagara continues to monitor the evolving situation regarding COVID-19. The health and safety of our employees, agents, customers, and business partners is of utmost importance. While some of our employees are working remotely, and we have limited the number of employees on premises, we continue to be fully operational and available to assist with your insurance needs.
The most common questions we receive relate to payment accommodations and whether business interruption coverage is included for commercial policyholders. Please be guided by the following:
Payment Accommodations - On July 6, 2020, the cancellation/nonrenewal/conditional renewal moratorium and premium payment grace period requirements prescribed by the Governor’s Executive Order 202.13, and its related New York State Department of Financial Services Extended Emergency Regulation, expired.
We will continue to be flexible in efforts to accommodate the needs of our policyholders still experiencing financial hardship due to COVID-19. Please contact the Accounting Department at 1-800-234-9876, Monday – Friday, 8:30 am – 4:30 pm EST, or email firstname.lastname@example.org to discuss options to defer your current installment due, waive any related late fees or modify payment plans. If you choose to email your accommodation request, please reference "COVID-19" and your policy number(s) in the subject line of the email.
Business Interruption - Coverage for business interruption is afforded when there is coverage for direct loss or damage to covered property such as buildings or business property which leads to the cessation of business operations. Illnesses to people do not constitute loss or damage to covered property. Consequently, there is no coverage for business interruption from COVID-19. If you feel your business has sustained a covered loss, you can submit your claim online 24/7 via our website www.enia.com
Thank you for your patience and understanding as we navigate this difficult time together.