Jon Brockway Insurance

nuf' said......

George is getting to many walks @ Vacaville, California

This is why people are buying so much TP

Hank & Hazel's.. PACKED like... sausages!! So happy for you guys

Does my insurance cover business losses from Covid-19? Is your business is experiencing slowing revenues due to the coronavirus? You might be asking this question, Does my insurance cover business losses from Covid-19? Under General Liability? Unfortunately there’s not much relief in the general liability insurance policy, since general liability coverages, for the most part, deal with damages to a 3rd party as a result of your actions. If you have a property policy, that... policy may include coverage for a business income loss. Under Property coverage? In the past some insurance carriers were forced into paying loss of business income claims after the 2003 SARS outbreak. The insurance companies never intended to pay those types of business income losses, but since the business income coverage didn’t clearly exclude infectious disease, in some cases the insurance companies had to pay the business income claim. Since then many of the largest insurance companies have put infectious disease exclusions into their property policies. If the business loss is due to an infectious disease outbreak there wouldn’t be any coverage for lost business income if infectious disease is excluded. Check your policy, infectious disease will most likely be excluded. Under Workers Compensation? Does my workers compensation policy cover my employees if they get sick from Covid-19? One thing to remember about work comp is that the coverage is no-fault, which means an employee only needs to prove that the injury arose out of, and in the course of, employment. The virus isn’t an injury, so it would fall under the occupational disease portion of the work comp coverage. Generally, in order to fall under the occupational disease the employee must show two things: 1 The illness or disease must be occupational, meaning that it arose out of and was in the course of employment; and 2 The illness or disease must arise out of or be caused by conditions peculiar to the work, and creates a risk of contracting the disease in a greater degree and in a different manner than in the public generally. Generally speaking, if the employee is involved in an activity that benefits you, the employer, then the employee may be considered in the course of employment. If the employee catches the virus in the course of employment then the work comp policy could potentially provide coverage. Work comp claims are handled individually and coverage depends on the specific circumstances involved the claim. We will have to see if any state legislation arises from the outbreak that requires more evidence that the employee contracted the virus in the course of employment, or during the employees free or down time. If you have an insurance question that you’d like answered please feel free to email me at [email protected]

Couple pics of the Airbnb my wife and I have been working on. Selling insurance is easier !

Mar-ket, maar-keting markeTing, Marketing, MARKETING ! When you get it right, it's pretty sweet!

Couple shots around the office today. Now you know @ Vacaville, California

Lots of interest in this one so took some other shots @ Vacaville, California

Made dinner tonight

Pinegrove last night in Sacto - great show!

Pinegrove the in Sacto last night great show!