• Farm Country Insurance

Business Interruption Coverage from COVID-19

Is there coverage if the COVID-19 affects a company’s ability to continue operating?


​In insurance, we’re taught not to talk in hypotheticals because every claim situation is unique. However, the Coronavirus is an unprecedented situation where we cannot rely on how we have always done things. Instead, we find ourselves going back to our roots where, above all else, we feel a sincere dedication to our insureds. We are taught to look for coverage where possible.


With that said, and upon our review of the business income (BI) coverage, we unfortunately have not been able to identify a path to coverage because BI claims must be a result of covered property damage. Further, we are looking at the definition of property damage and the cause of that property damage. Still we do not see coverage. Our interpretation has been echoed by multiple state insurance departments who are publishing positions on this matter. On the flip side, we have seen other government entities try to enact coverage. We are also aware that there are state and federal government discussions from a Workers' Compensation and General Liability standpoint.


Despite this initial review and indication, we welcome you to submit a claim if you feel your business has suffered a loss as it relates to COVID-19. You can submit a claim via email at info@farmcountry.net or by phone at 802-748-8081. Situations may develop where government payments are tied to claims that have been filed and/or denied.


Thanks to Pennsylvania Lumbermen's Mutual for this information

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Farm Country Insurance

1951 Memorial Drive, St. Johnsbury, VT 05819

Phone: 802-748-8081

Text: 802-347-9922

Fax: 802-275-5247

Email: info@farmcountry.net

Hours: 

Monday-Friday, 8:30AM - 4:30PM

Claim Phone Numbers
Aegis - 800-233-2160

American Modern - 800-543-2644

CNA Surety - 877-672-6115

Concord Group - 800-660-3838

Dairyland - 800-338-2487

Foremost - 800-527-3907

Mapfre - 844-627-3733

Main Street America - 877-425-2467

Hartford Flood Insurance - 800-759-8656

Progressive - 800-925-2886

Safeco - 800-332-3226

Travelers - 800-252-4633

Providing auto and home insurance to all of Vermont and New Hampshire

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