• Kent Shepard

How COVID-19 Might Impact My Personal Insurance


COVID-19 has created many questions about your personal insurance risks and coverage. Here are a few things to consider regarding your personal insurance policies.

Most standard personal insurance policies exclude injury or loss due to communicable disease. We recommend you consult with your agent for a review of your individual personal insurance coverage.


Most personal insurance policies exclude liability for any business operations. Working from home would be considered incidental and may not fall under the business exclusion. If you have clients in your home, it might impact your insurance.


What If I damage company-owned equipment?

Your employer should have coverage for the business owned property.


What if I use my personal auto for business purposes?

Most personal auto policies provide coverage for incidental use, going to the post office, getting supplies, etc. If you are using your personal vehicle for deliveries, Uber, or other business-specific tasks, you may need to amend your insurance policy.


We are committed to providing clients with the highest quality insurance plans available combined with some of the lowest possible rates. Whether you are shopping for auto insurance, home insurance, life or business insurance, we can help you obtain the best coverage available with the lowest rate possible.


Shepard Insurance has always lived up to its name by being one step ahead of the insurance industry by always striving to find better ways to serve our customers, a lost art that is fading fast in this telemarketing age. When Kent Shepard founded The Shepard Insurance Agency, he had one goal in mind and that was to treat everyone like family. Everyone knows you by name, not your insurance ID number. This is why you can always expect to get the right coverage at the right price with Shepard Insurance where each policy is customized to your needs by an actual person -- imagine that!

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