Coronavirus (COVID-19) Resource Center

Plan, Prepare and Respond to Coronavirus Disease

All Kaplansky Insurance physical locations will remain closed until further notice.

We want to reassure you that we are continuing to provide the same high level of service and availability you’ve come to expect and deserve. Like you, we’re monitoring this situation closely and taking measures to protect the health of our employees, customers, and communities.Our employees will continue to remain available to you during these times, through remote work, telephone, e-mail, and our website. This situation is dynamic and continuing to change daily, and we will be updating and providing timely information to support you.

Frequently Asked Insurance Questions

How can I check my coverage?

Now is the time to contact our team of professionals to review your policy to understand precisely what you are and are not covered for in the event of an extended incident. Request a Coverage Checkup to ensure you have the proper insurance coverage in place.

Billing – Can I Delay the Payment of Insurance Premiums?

Because this situation is evolving, it is not completely known yet how much flexibility there will be from our insurance carriers as it relates to client billing.  At this point,  we are aware several of our large insurance carriers are actively working on their systems in regard to flexible billing arrangements.

Click here to access our COVID-19 Payment Relief and Updates.

Business - Does business interruption insurance cover closures due to coronavirus?

Business interruption insurance covers a business’ loss of income resulting from a disaster. Where property damage only covers physical damage to a building, business loss insurance covers the loss of income during the disaster and rebuilding period.

Unfortunately, closures from viruses, including COVID19, are not typically covered under business interruption insurance because in order to be covered, the interruption must be caused by or result from a covered loss, which includes only physical loss or damage.

While we feel in most cases, insurance won’t cover due to a coronavirus closure, we would recommend to file a claim. Our carriers have informed us that each claim will be reviewed individually and adjusters may decide that some detail may make a business eligible for coverage in certain situations.

Note: If your small business is affected by the coronavirus outbreak, the Massachusetts government has instituted a Small Business Administration Economic Injury Disaster Loan (EIDL) Program, which could also assist you during a business closure.

Business - Is my business covered if I now offer delivery?

With new government restrictions and social distancing standards, many businesses who have not previously offered delivery services now do.

Adding delivery to your operations changes your business exposures, so you may need to adjust your business liability and business auto coverages to cover the new exposures.

Changes will depend on whether the business is using company-owned vehicles or employee-owned vehicles and whether employees are already included on your commercial auto policy.

Because every case is different, be sure to contact us to make sure your business is protected.

Ask a question. We're here to help.

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Please be advised that coverage cannot be bound, altered, amended or cancelled via email, fax, online or by leaving a recorded message. You cannot, bind, alter or cancel coverage without speaking to an authorized agent and coverage cannot be assumed to be bound without written confirmation.