Updated: May 1, 2020
We’re here to help your business
The COVID-19 pandemic has created an unprecedented situation that’s affecting all of us. We know that small and medium-sized businesses have been particularly hard hit. That’s why we’ve adopted temporary special measures and a flexible approach so we can provide help based on your unique needs.
Relief measures for businesses
With many businesses being forced to close due to emergency measures, we understand that it’s a tough time to be a business owner. Here are some of the ways we’re helping.
Protecting property used by your employees working from home
You or your employees may be working from home to keep your business running, so we’ve enhanced coverage on our Commercial Property Insurance – Broad Form:
- We’re temporarily enhancing the extension of coverage for contents outside your place of business to now include your commercial property at your employees’ homes. This will not change the coverage amount on your policy.
- We’re also temporarily increasing the coverage amount for property in transit to $25,000. If your policy already covers you for a higher amount, that amount won’t change.
These relief measures apply automatically to policies in force before April 30, 2020. You don’t need to call us to get the coverage and we won’t send you any policy updates.
Helping you make deliveries to keep your business running
- If you run a restaurant, pharmacy, grocery, food or pet store, and for now you’re making deliveries with your commercial vehicles, we’re offering you temporary auto insurance coverage for deliveries at no extra charge.
- This coverage applies automatically to commercial vehicles already insured with us before April 2, 2020. There’s no need to call us.
- This coverage will not be added if deliveries are made via third party apps and services like UberEats, Skip the Dishes, Instacart and Amazon Flex. These services remain a prohibited use.
Supporting you if you’re facing cash flow problems
Despite support from governments and financial institutions during the COVID-19 pandemic, your business might still be facing a cash flow squeeze.
- We’ve adopted measures for businesses that have been forced to halt operations temporarily or that are running below capacity due to the COVID-19 crisis.
- We’ll take the time to analyze requests, based on each unique situation.
Helping business owners who are using their vehicles much less
If you’re driving your commercial vehicle a lot less during the pandemic, you could get a refund on your auto insurance premium.
You’re eligible if:
- Your commercial vehicle was insured with us before April 7, 2020, and your premium is more than $250 a year.
- You have significantly reduced the use of your commercial vehicle as a result of the COVID-19 containment measures.
- Your insured vehicles are private passenger vehicles used for business or commercial vehicles (excluding vehicle fleets and Q.P.F. No. 4)
You’re not eligible if:
- You continue to use your vehicle as usual or to make deliveries.
- You’ve already put your vehicle in storage, or you do so after receiving this refund.1
- You’ve asked us to reduce your annual kilometres for limiting your vehicle use due to the containment measures, or you do so after receiving this refund.1
To get your refund, complete our online form by June 30, 2020. Have your policy number on hand. You’ll find your policy number on your auto insurance certificate.Complete the form
1. In this case, we’ll adjust any change in premium to account for any refund you’ve already received.
Business insurance FAQ
Temporary business closure
Do I need to take any special measures while my business is closed?
Prevention tips to help protect your assets
- Lock all doors and windows.
- Shut off the main water valve.
- Make sure the exterior lights stay on.
- Keep the heating on to prevent the pipes from freezing.
- Visit the premises regularly.
- Always keep the alarm system on.
- Store valuables, stock and property belonging to customers in a safe place.
- Protect important documents and backup business data.
Tips for construction contractors
- Fence off worksites and post signs forbidding access.
- Secure all openings (windows and doors).
- Keep all tools and equipment in a safe place to prevent damage and theft.
- Visit your worksites regularly.
Since my business is temporarily closed, can I cancel my policy?
We strongly recommend keeping your policy in force. As a business owner, you’re exposed to risks even when your business closes temporarily. Your building and business property should always be insured against fire, severe weather, theft and vandalism. It’s also important to keep your liability coverage.
Because of the pandemic, I’m now offering a delivery service. Am I covered? Do I need to notify you?
If you run a restaurant, pharmacy, grocery or pet food store, and you’re now temporarily making deliveries with your commercial vehicles, we’re adding temporary coverage for deliveries at no extra charge.
- This coverage applies automatically for vehicles already insured with us before April 2, 2020. If this is your situation, there’s no need to call us.
- For other types of deliveries, please contact us.
Because of the pandemic, I’ve added more delivery vehicles. Do I need to notify you?
If you’ve hired new drivers and/or increased your mileage, it’s important to let us know. Call us and we’ll check if your coverage needs to be changed.
Commercial vehicle insurance refund
I have more than one commercial vehicle on my policy, will I get a refund for each one?
You’ll receive a refund for each vehicle on your policy, which will be issued in a single payment.
How will the refund be paid and when will I get it?
You should receive your refund within 14 business days. Your refund will be paid using the same payment method you use to pay your insurance premium.
For example, if you pay by pre-authorized debit, we’ll deposit your refund into the account we have on file.
If you normally pay by cheque, it may take longer to process your request. Thank you for your patience.
We’re here to support you
If your business has been hard hit by the COVID-19 pandemic, and you have any concerns, don’t hesitate to call us at
Free legal assistance service for business owners
With many businesses temporarily closing their doors during the
This service is free for our business property and liability insurance policyholders.
Some conditions, exclusions and limitations may apply. These tips are provided for information and prevention purposes only. They are general in nature, and Desjardins Insurance cannot be held liable for them. The relief measures described are temporary. The other terms and conditions relating to the coverage in force are specified in the insurance policy, which always prevails.