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Charlottesville Insurance Agency

Serving our community since 1872

Insurance for all of life

We are a locally owned independent insurance agency that has served Charlottesville, Albemarle, and surrounding counties for six generations. Whether you are opening a new business, buying a car, need better rates on your home, or any other insurance need – we would love to have the opportunity to serve you.

Due to the Coronavirus, our office will remain closed until further notice. We are working from home answering emails and phone messages.

If an insured needs a change processed immediately, please email the information to john@hanckelcitizens.com

If you need to report a claim, please call the company direct at the number below:
AIG: 888-760-9195
Brethren Mutual Claims: 800-621-4264
Chubb Claims: 800-252-4670
Chubb Workers Comp: 800-699-9916
Cincinnati Claims: 877-242-2544
Donegal Insurance: 800-877-0600
The Hartford Insurance: 877-853-2582
Maine Mutual Group: 800-343-0533
Mutual Assurance Society of Virginia: 800-648-1794
Philadelphia Ins: 877-438-7459
Progressive: 877-776-2436
Travelers, Personal Lines: 800-252-4633
Travelers, Commercial Lines: 800-238-6225
Scottsdale: 800-423-7675

Coronavirus and Business Income Losses

According to the Centers for Disease Control (CDC), the Coronavirus is thought to be transmitted person-to-person through “respiratory droplets produced when an infected person coughs or sneezes…these droplets can land in the mouths or noses of people…or possibly be inhaled into the lungs.”

Major manufacturing operation in China have reportedly slowed or even ceased operations, travel into and out of China is at a bare minimum, and supply chains are severely disrupted in many industries. In reality, the ultimate global economic impact of this virus will remain unknown for many months after the danger and fear have passed. (Another irony of this virus is that some operations have enjoyed increased business. My neighbor teaches students in China online; since the outbreak of this virus, her student count has increased drastically as kids are staying home to attend classes.)

The Virtual University receives several calls and emails every regarding the insurance implications of this virus, and the most common question relates to business income, specifically: “Is there business income coverage if a governmental authority (civil authority) requires businesses to close?”

No, there is no business income coverage. This is the short answer. Before business income responds there must be damage to property leading to the cessation of a business. This requirement applies to business income dependent property losses (supply chain) and civil authority losses covered by business income policies. Additionally, there is a specific property exclusion applicable to viruses that may (generally will) apply. This is true of “standard” business income forms; there may be some proprietary forms that respond, but these are rare.

Last updated March 5, 2020.