COVID-19: Supporting you is our main priority

These are unprecedented times. Hard-working, responsible people are finding themselves sick, temporarily unemployed, or unable to work due to family obligations. The COVID-19 pandemic has created challenges for many of our clients. We understand that you may be struggling at this time.

You have a lot on your mind, and we are here for you. Our brokers are committed to providing you outstanding service during these challenging times and are here to help you with all your insurance needs.

At McLean & Dickey, the health and safety of our staff, as well as our clients, is our number one concern. As preventative measures, we have closed our offices to walk-in traffic, and initiated our work-from-home protocol. We want to assure you that there will be no disruptions in service and that we remain your dedicated broker during these challenging times. Contact us by phone at 1-705-325-4461 or email

Frequently Asked Questions

· If your driving habits have changed significantly and you are using your vehicle less frequently as physical distancing, work from home, and other health measures have taken effect across our communities, you could get a premium reduction on your auto insurance.

· The premium reduction will be based on whether the use of your vehicle has been reduced while the COVID-19 containment measures are in place and will be calculated based on your current vehicle’s usage and your estimated revised annual kilometers driven.

· The Government and Insurers are in current and active discussions, trying to determine if there are any other areas for relief within the auto insurance product, for personally owned vehicles. We have yet to be briefed on each companies’ response and their possible contribution, outside of amending the use of the vehicle during this period of containment measures.

The fastest and easiest way to request the change is by filling out all fields in the Driving Habits Form. If you are a business owner, please call us at 1-705-325-4461 to discuss the changes needed.

· If you’re making deliveries as a volunteer (and not for compensation) there is no change to your policy needed.

· If you’re making deliveries as the owner or employee of a restaurant, pharmacy or grocery store, please contact us directly to discuss the matter in order to ensure that you are properly insured. As we represent many insurance companies, we will review the accommodations that your insurance company is making during the pandemic to ensure that you are properly insured for your current activities.

· If you are making deliveries via third party apps and services like UberEats, Skip the Dishes, Instacart and Amazon Flex, please contact us directly to discuss as many insurance companies have these services as a prohibited use on their insurance policies. We want to review your activities with the rules established by your particular insurance company to ensure you have proper coverage.

Our insurance partners understand the financial stress that Canadians are facing due to this pandemic. We have been taking a problem-solving approach with our clients to determine the support measures that best meet their needs. Insurers are waiving missed payment fees and are now offering flexible payment options including payment deferrals. Please contact us to discuss your current situation and we will help find the best solution for your current situation.

An area of focus for a number of the enquiries we have received is business interruption coverage. We want to take this opportunity to clarify that standard business interruption policies require property damage to apply. As a result, even where a business is shut down due to a government order, mandate or declaration, there would be no cover. The insurance wording of all of the insurance companies that we represent, in addition to many other carriers, requires there be direct physical loss, destruction or damage to insured property at an insured premises caused by an insured peril in order to trigger coverage.

As such, under the Business Interruption coverage for the insurance companies that we represent, business interruption coverage will not be triggered by COVID-19. To trigger business interruption coverage a necessary interruption to your business must be caused by a direct physical loss or damage to your building(s) or other property subject to the policy terms and conditions.

Some clients have been deemed an essential service and while they are changing the way they do business; they haven’t changed the essence of their exposure. However, other clients have had to close their operation entirely. We are seeing a wide spectrum of different circumstances. We will work with you, based on your particular situation, to determine if we can access any premium reductions from your insurance company, based on the impact COVID-19 is having on your operation, in connection with reduced revenue, receipts, and payroll.

We understand that many businesses have been instructed to close in an effort to reduce the spread of Covid-19. As a result, insurers are extending the vacancy period for premises that are vacant or unoccupied as a result of a civil authority-mandated shutdown, to a period of up to 90 days.

However, there is an expectation that you will do your due diligence to protect your property and that all security and theft prevention measures should remain fully operational. During this time, it is important that you continue to maintain and monitor your facilities regularly to attempt to mitigate any damage to your property and operations while you are shut down.

Your premises should be checked regularly, exterior and interior. Where possible, control heating to avoid possible freezing and or turn off and drain water where possible to avoid burst, water damage. Exterior lighting can act as a valuable theft deterrent. Keeping valuables locked up and out of site is pertinent. As well, remove all perishable inventory or stock.

Other ways we can help

If you need to access your insurance documents, modify your policy or make a claim, our McLean & Dickey Client Center is also available. Visit our Client Center to log in to your secure account, create an account, or download our mobile app. The McLean & Dickey Client Center for home and auto insurance is a secure online service for home and auto insurance that allows you to:

· Manage and review your home and car insurance policies anytime

· Request a change to your policy

· Access step-by-step videos to help you through common claims situations

· Print your insurance or pink card or save them electronically in your electronic wallet

· Contact us for further assistance at 1-705-325-4461 or

Yes, I stopped using my car to commute to workNo, I still use my car to commute to workNo, I wasn't using my car to commute to work in the first place

Yes, my driving habits have changed and the kilometres I drive have decreased.No, my driving habits have not changed.