A resource hub designed to support you and your business during the COVID-19 outbreak

Clear guidelines from insurance carriers on how to mitigate your COVID-19-related business risks during this unprecedented time has been limited thus far. As a result, many business owners and employers are left wondering how their commercial insurance coverages, health insurance, and employee benefit programs may respond to the current coronavirus pandemic.

To keep business owners and employers, like you, up-to-date, Fred C. Church created this resource hub to share useful information, including government-issued updates, industry insights, blog posts, email communication, relevant links, and more.

Will my commercial insurance policy cover COVID-19-related losses?

Every day, there are new developments related to the coronavirus (or COVID-19), and understandably, many of our clients are asking us this very question – will my commercial insurance cover claims resulting from COVID-19?

While we wish we had a definitive answer for you, unfortunately, insurance companies are still not responding to hypothetical claim scenarios. And to add another layer of complexity, most standard commercial insurance policies were not designed to respond to such an exposure.

We may not have all the answers right now, but we can assure you that our team will continue to monitor the insurance industry and government closely.

Below are links to our most recent blog posts investigating common commercial insurance coverages, including Commercial Property, Business Interruption, Contingent Business Interruption, Civil Authority, Pollutant Cleanup, General Liability, Workers’ Compensation, and more.

Commercial Insurance

COVID-19 and Employee Benefits Considerations

As COVID-19 continues to spread across the nation and world, interruptions to your business and personal life will likely increase. However, preparation and education may minimize your staff’s distress and your ability to handle situations that may arise as a result of COVID-19 strategically. Our team is prepared to offer regular updates, considerations, and insights from an employee benefits and compliance perspective to help you navigate this unprecedented situation.

Employee Benefits & Compliance

Fred C. Church is here for you

COVID-19 has impacted all of us personally and professionally across New England and most of the United States. Here at Fred C. Church, we feel we must protect our clients and our employees and are taking this outbreak extremely seriously.

As such, starting Tuesday, March 17th, all business functions that we can perform remotely will be done in that fashion. Our office hours will remain the same, from 8:30 AM to 5:00 PM EST. However, our physical office locations will be closed.

This closure should have minimal impact on how Fred C. Church can service your personal, business, and employee benefits insurance needs. For example:

As you can see, we are doing everything we can to maintain business as usual, while at the same time following the guidelines set forth by the Governor of Massachusetts, Charlie Baker, and the Centers for Disease Control.

We appreciate your loyalty to Fred C. Church and look forward to getting back our regular routines as soon as possible.

Helpful Links

There are many great resources available regarding COVID-19. However, the Fred C. Church team has found the following links to be especially useful.

Centers for Disease Control (CDC):

World Health Organization

Johns Hopkins | Whiting School of Engineering

Occupational Safety and Health Administration (OSHA)




U.S. Small Business Administration

best live chat