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Arrowhead Logo. The Arrow, Core Commercial Newsletter

SPECIAL EDITION | April 2020 | Share Newsletter


Working together to help our customers

In this special edition of The Arrow, we want to take a minute to say how much we appreciate our Core Commercial producers and the steps you’re taking to help service your insureds – in many cases, your neighbors and ours. Along with you, we’re working from home. Fully operational, we’re here to help anyway we can.

Together we’re creating flexible solutions to assist small business owners through these unprecedented and challenging times. Together we'll make tomorrow the best it can be.


Mid-term exposure adjustment

We realize that many of your customers’ businesses are temporarily closing or slowing down due to COVID-19. Core Commercial is offering voluntary exposure change modifications based on the insured’s estimate of the economic impact over their full policy term. (This would include the actual exposure units already expended for the policy return, plus those reductions expected for the remainder of the policy term.)

This form can be used to adjust ratable factors (example: payroll, sales, etc.) to more accurately reflect the insured's current situation.  In most cases this should help them see some premium relief.

View QBE's best practices to protect your property while temporarily closed.


Hired and Non-Owned Autos update to meet changing needs

Restaurants are currently one of the hardest-hit businesses and are quickly changing and adapting to a new normal to service their customers. Many restaurants are selling prepared meals, curbside pickup and delivery through delivery services or their own drivers. To meet our insureds’ changing needs, we are offering to add coverage for Hired and Non-Owned. Send any request for coverage to

Please provide the following:

  • Driver information (name, date of birth, driver’s license number)
  • Copy of employee’s personal auto policy with liability limits of $300,000 CSL or split limits of $100,000/$300,000/$100,000

QBE has published a helpful article with best practices to minimize risk for drivers and restaurant owners. View it here.


Billing Flexibility

We are offering billing flexibility for those customers that need it, through our customer service team. Customer Service hours: Mon. - Fri. 5 a.m. - 5 p.m. PDT. Email or call 866.401.2111 x 6738


Business Interruption

As you know, most property insurance includes direct loss or time element business interruption coverages, including civil authority and dependent property endorsements. Property coverage is designed to cover losses resulting from the direct physical damage or physical loss to the scheduled property.

Generally, this coverage does not apply to a loss involving a virus or bacteria. Every situation is unique and should be looked at on a case-by-case basis.

If you believe that your client has experienced a claim or loss, we recommend that you report the claim to QBE, or call 1-844-723-2524 to allow a claims adjuster to make an evaluation.


Small Business Loans
What you need to file for a Paycheck Protection Program loan

Paycheck Protection Program (PPP) authorizes up to $349 billion in loans to small businesses to pay their employees during the COVID-19 crisis. All businesses with 500 or fewer employees can apply. The loan amounts will be forgiven, as long as:

  • The loan proceeds are used to cover payroll costs, and most mortgage interest, rent, and utility costs over the 8 week period after the loan is made; and
  • Employee and compensation levels are maintained.

Learn more here.


Training Webinar

This month we're hosting How to quote & manage your agency on Arrowhead Exchange, from A to Z on Wednesday, April 29, at 10 a.m. and 1 p.m. Central.

Producers and account managers, learn how to use our online portal plus details on all our NEW upgrades. This 30-45-minute webinar includes Q&A. You’ll learn:

• How to rate, quote and bind qualified BOPs online
• How to obtain policy output
• Servicing resources
Wednesday, April 29
10 a.m. CST / 8 a.m. PST or 1 p.m. CST / 11 a.m. PST
Register for Webinar

Missed an issue of The Arrow? View past newsletters.


Questions? Contact your business development leader.


Northern CA, NV
Michele Mayer

Southern CA, AZ
Beth O'Reardon,

Brett Barnsley

Vivian Carballo-Brown

Alonzo Dunn