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Bay of Quinte Mutual Insurance is working diligently to better understand and respond to the unusual circumstances everyone is facing during these troubling and unprecedented times.  We fully support the national directive to reduce the spread of COVID 19, and we understand this has created uncertainty for our policyholders and communities.  We are listening to our policyholders and striving to make the most informed decisions during this evolving situation.


Our office doors remain closed to the public but we are open and operating to support our policyholders and broker partners.


I would like to provide an update to our March 17 post on Bay of Quinte’s commitment to our policyholders.


Non- sufficient funds

We will be temporarily waiving non-sufficient fund fees for payments returned as a result of COVID 19.


Payment options

We will work with you to find payment solutions if your financial circumstances are impacted by COVID 19.  We understand there is not one solution to meet everyone’s needs and we are discussing each situation to determine what can be done to ease your financial concerns.  Some of the options available include offering monthly payment plan options, changing payment dates and suspending payments for a limited period of time.  Please contact your insurance broker or agent if you are concerned about your ability to pay for your insurance protection.


Vacant and unoccupied businesses

The government of Ontario has ordered non-essential businesses to close for the duration of the state of emergency.  Commercial insurance policies contain clauses that impact coverage when a business is vacant or unoccupied.  As long as the order is in place, we will not consider a business to be vacant, unoccupied or shut down if:

  • It contains enough insured property on the premises to conduct business (except for the removal of perishable stock),
  • The business owner is visiting the premises a minimum of one time every seven days, and
  • The business owner is proactive in maintaining a level of care to the premises.



In order to ensure the health and well being of our policyholders, staff and claims partners we will be adjusting claims with minimal face to face contact.  This means our normal claims practises will need to be amended during this time.  We will ask you to communicate using electronic means and provide pictures to assist with the adjustment of your claim.


Loss prevention

Our loss prevention services are suspended during the state of emergency.


Bay of Quinte Mutual is continually monitoring and adapting our procedures to adhere to the latest expert recommendations.


Thank you for your kind understanding as we navigate this time.  As always, we are proud to be working together towards a stronger future.



Jeffery Howell