COVID-19 Information

To help keep you and your business safe during the COVID-19 outbreak, refer to the following resources to assist you with your pandemic planning and business continuity efforts.

A message from our President

We know this is a very difficult time for many of our customers. As your insurance partner, I want to reassure you that we’re here and ready to support you in any way that we can. We continue to monitor this situation closely and want to share some of the things that we’re doing to help you:

  • We know that many of our customers have had to temporarily close locations, so we’re automatically extending coverage for unoccupied buildings. Please let your Commercial Insurance Specialist know if you’ve closed any of your locations for longer than 90 days.
    • We’ve also created this guide outlining steps that you can take to help keep you and your property safe when your business is closed.
  • If you’ve parked your business vehicles temporarily due to reduced operations, your Commercial Insurance Specialist can work with you to suspend liability and collision coverage until your vehicles are back on the road again.
  • If you’ve initiated delivery services to keep your business up and running, contact your Commercial Insurance Specialist and they’ll work with you to make sure that you’re protected.

Because we know you may also have questions about your insurance coverage during this period, we’ve created this guide to help you get the answers you need. If you have more specific questions about your policy, please don’t hesitate to reach out to your Commercial Insurance Specialist.

We also have a COVID-19 resource page on the Federated Insurance website with information to assist you with your pandemic preparedness and business continuity efforts, and we’ll be updating this page with new resources as they become available.

If you need to report a claim, please do so online at or by calling 1.855.616.6262.

The Federated Insurance team is part of your community and I know that our long-standing relationships with customers like you will help us get through this together. These are extremely challenging times for us all, and as the situation continues to evolve over the next several weeks and months, so will our support.

Please stay safe and know that you can continue to count on our team.

George Halkiotis signature

George Halkiotis
President, Federated Insurance


Business Continuity & Preparedness

Government of Canada: Business Support

Business Resources


General FAQs

At Federated, the health and wellness of our employees and customers is our utmost priority. As a proactive measure to help curb the spread of COVID-19, all of our employees are now working remotely. We remain open for business and are here to serve you.

You can continue to contact us through our regular methods of communication. As the situation evolves, we’ll also continue to monitor developments, provide updates and offer additional resources on this page, as well as through our social media channels:

If you’re in a heavily impacted industry and in need of some flexibility with premium payments, please contact your Commercial Insurance Specialist and they will work with you to find a solution.

Yes. Click here for more information on how to report a claim.

Yes, your policy will continue to cover your premises. Please contact your Commercial Insurance Specialist for more details about the coverage within your policy.

Depending on the terms and conditions of your policy, your business may be covered for allegations related to the pandemic. Please contact your Commercial Insurance Specialist for details.

Who to contact

If you have questions about coverage related to the pandemic outbreak, please contact your insurance agent.

Reporting claims

Please report any non-emergency claims online here.

Submit a claim online

If your claim is urgent,
please call 1.855.616.6262.

If you have a question about a claim already in process, contact your regional claims team, at one of the following e-mails:

[email protected]
[email protected]
[email protected]
[email protected]

Business Support FAQs

For details on rent payment plans from the Government of Alberta, please visit this site.
Support for rental housing support for renters and clients of BC Housing Rental Assistance Programs, Shelter Aid for Elderly Residents (SAFER) and Rental Assistance Program (RAP) is now available. For more details on the program and information on eligibility, please visit this link.
The Government of New Brunswick has announced support for businesses and employers, including working capital loans. Visit this website for details.
The Government of Nova Scotia is encouraging landlords to defer rent payments for their commercial tenants for three months, spreading the deferred rent amount over the rest of the lease term. For more details on the program and information on eligibility, please visit this website.


Information on Federal support for businesses can be found on the Government of Canada’s website.


According to the Government of Alberta website, Albertans who are experiencing financial hardship directly related to the COVID-19 pandemic can work with their utility company to defer electricity and natural gas bills until June 19, 2020 without any late fees or added interest payments. For more details, please visit this site.
If you own a small business that needed to close due to COVID-19 measures, you may be eligible to have your business’ electricity use charges waived for up to three months. For more information, please visit this site.
As an immediate measure, and on a case-by-case basis, the Government of New Brunswick may defer loan and interest repayments for up to six months on existing provincial loans. This support will enable businesses to have immediate relief if they are experiencing difficulties as a result of COVID-19. For more information, please visit this site.
Newfoundland Labrador Hydro has reported that customers will not be disconnected for non-payment. For more details, please visit this link.
Nova Scotia Power has reported that for 90-days starting March 23rd , there will be no disconnections due to non-payment and penalties will be waived. Contact your service providers customer care team to discuss options. For more details, please visit this website.
The government has announced Emergency Working Capital Financing to help small businesses maintain normal business operations. Each qualified company is eligible to receive up $100,000. For more details, please visit this site.
Hydro-Québec has reported that customers will not be disconnected for non-payment. Contact your service provider’s customer service team to discuss payment arrangements. For more details, please visit this link.



WSIB is offering a financial relief package to all Ontario businesses to help reduce the financial burden of the COVID-19 situation. Visit this link to learn more.

The Temporary Wage Subsidy for Employers is a three-month measure that will allow eligible employers to reduce the amount of payroll deductions required to be remitted to the Canada Revenue Agency (CRA). For more information, please visit this site.
The Government of Canada has asked that employers consider relaxing sick leave policies for employees who are ill. This includes suspending the need for medical notes to return to work, as it reduces the burden on an already stressed health care system. If employees are required to take unpaid leave, the Government of Canada recommends that individuals who are sick or quarantined because of COVID-19 should apply for the Canada Emergency Response Benefit, whether or not are eligible for Employment Insurance. The Benefit is available for the period from March 15, 2020 to October 3, 2020. Learn more here.
The Government of Canada has provided decision-making guidelines for workplaces and businesses during the COVID-19 pandemic on this website.
Consultation with legal counsel is recommended if you plan to undertake any such measures. Employment and Social Development Canada has provided the following guidelines on termination of employment on this website.
Unfortunately, this is likely to be the case for many businesses. The Government of Canada’s Work-Sharing (WS) program helps employers and employees to avoid layoffs when there is a temporary decrease in business activity beyond the control of the employer. The program provides Employment Insurance (EI) benefits to eligible employees who agree to reduce their normal working hours and share the available work while their employer recovers. Learn more.
As the COVID-19 situation evolves, many companies are working to support employees who are working from home. A few things that you as an employer could do to help facilitate Work From Home effectively are listed here.
To review the eligibility requirements for EI, visit this site for more details.
To access a list of government Economic Response Plans, visit this site.


The definition of an essential service can vary from one province to another. To see if your business has been defined as an essential service, click this link for an online guide.


Nova Scotia

The Government of Nova Scotia has developed an online tool to quickly help employers determine if they may remain open, in compliance with current workplace safety requirements. Visit this site for more details.