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To Our Valued Customers,

The COVID-19 pandemic has affected all of us in one way or another.  We hope you and your family are safe and healthy. 

While health has been a key component of the COVID-19 pandemic, Appletree understands the devastating financial impact for business-owners who have been forced to close.  This has created an influx of questions regarding Business interruption/Loss of Business Income coverage for the government mandated shut down due to the Coronavirus. 

Appletree Insurance has been working closely with our insurance carriers trying to find a solution for our clients.  After careful review of the general liability policies with our insurance carriers, the government mandated shut down is not a covered loss.  In order to receive Business Interruption/Loss of Business Income coverage, there must first be a direct physical damage/property damage covered loss.  Although this may not seem correct, it is standard on all policies.   

Appletree isn’t stopping there!

We have been closely following the Coronavirus Aid, Relief, and Economic Security (CARES) Act recently released by the government, and want to make sure our clients are well informed about the package and next steps they need to take. This stimulus package can significantly help businesses recover from COVID-19 mandated closures.  

Here are links to the websites detailing the package and how to file for relief.

Small Business Administration (SBA):     

Internal Revenew Services (IRS): Coronavirus-related paid leave for workers and tax credits for small and midsize businesses to swiftly recover the cost of providing Coronavirus-related leave

Government Response to Coronavirus, COVID-19: and in Spanish at

U.S Department of Treasury: Coronavirus: Resources, Updates, and What You Should Know

Center for Disease Control and Provention (CDC): industry-specific interim guidance.

For more information, it may also be beneficial to reach out to your attorney, accountant, or financial advisors if you have not already done so. We will continue to monitor the situation and will keep our clients apprised to new developments.

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Appletree Insurance - New Hampshire Office
33 Indian Rock Rd Bld. 5, Ste. 3
Windham, NH 03087
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