COVID-19 Response

So What's Happening?

We're here, we're listening, and we are voicing your concerns to the Insurance companies. We've been collecting data and bulletins from all the insurance companies we deal with, and gathering the pertinent information to keep you in the know.

How are we Responding?

We're open, we're active, and we're listening. We are supporting the safety and well-being of our team at Lyon & Butler, with majority of our team working from home. If you‘re calling in to talk to us, you may hear an occasional dog bark or restless kiddo in the background. Thanks for your patience!

We are closely following the latest federal and provincial updates on the COVID-19/Coronavirus as well as provincial health updates and are regularly reviewing internal guidelines.

As part of our protocol during this time we will be issuing all applicable policy documents electronically to customers. Should you have any questions or concerns; or alternatively need a hard copy of your policy for any reason, please do not hesitate to contact us.

Please keep an eye on your email, or visit our Facebook for more updates as things evolve.

How can I save on my Policy 

Things have been changing, and fast, so what changes can you make to help you save on your insurance during the Pandemic?

1. If you are working from home, or no longer commuting daily, have your policy updated to Personal Use instead of Commuter Use.
2. If you yearly mileage is down, because you aren't going out as often, advise on your        anticipated annual KM's.
3. If you normally have more then one vehicle on the road, but will only be using one vehicle for the next few months, have the additional vehicle(s) moved to parked status and store them in a safe place.

Business Income/Rental Income
1. If you're policy is coming due to renew, please advise us of any changes you may anticipate to your revenue/income.
2. If your renewal has past, please let us know if you anticipate a drop in revenue from what you advised of at Renewal. Insurance Companies are looking at these requests on a case by case basis, and we'd be happy to bring it to their attention and fight for a mid-term amendment.

Payment Deferrals
1. Insurance Companies at this time are all responding in different ways, however if you need a deferral on your Premium payment contact us and we can review your policy and advise you of your options

Change in Occupancy?

Has your occupancy changed? If you have had to temporarily close your business, or are working at home away from your premises, please let us know as a change in occupancy is important to updated your Insurance Company on your current status.

Change in Operations?

Have you had to change how you do business? Are you doing home deliveries? Have you transitioned to take-out from dine in? Are you providing a new or additional services? Or manufacturing new products? If you've had to adapt how you do business in the recent month, give us a call. We'll update your Insurance Company and make sure your remain properly covered. 

Is Your Property Vacant?

If you find your Rental or Business is Vacant, please take note of the following tips:

Equipment and Building Utilities

• Ensure all equipment is safely turned off and, in a condition, where it can be left for an extended period without damage or degradation.
• Remove any flammable, combustible or hazardous liquids and materials. These should be appropriately disposed of or stored safely for re-use.
• Isolate electrical circuits where possible (without affecting security, CCTV or fire systems).
• Turn off the mains water supply (without affecting any sprinkler or other fire systems you have.)
• If possible, drain and isolate water storage/header tanks from any distribution pipework.
• Isolate the incoming gas supply, if safe and legal to do so.
• Make a list of all services or other valves you have isolated (and where they are) to ensure you reinstate them all.

Fire Systems/Doors

• Ensure that any fire and/or sprinkler systems are fully operational
• Carry out a check to ensure that internal fire doors are closed
• Check that the fire alarm panel is fault free and all fire detection systems are fully operational


• Perishable stock should be removed from premises prior to ceasing operations


• Remove all waste from premises prior to ceasing operations
• Empty all waste bins and relocate to a secure area, ideally at least 10 metres from the building
• If this is not possible and bins and skips are within 10 metres, these should have lockable lids.

Physical Security

• Carry out a check to ensure physical security measures are in place e.g. fences are in good repair, windows are locked and boarded if appropriate, shutters are in place where appropriate, gates and doors are locked, and letter boxes are sealed
• Shop fronts with no internal or external roller shutters to have shop front displays cleared of stock.
• Burglar alarms are set and that the remote signalling is in place.
• Ensure sufficient numbers of keyholders are available to respond to an alarm activation within 20 minutes, and any other building management system alarm that may be triggered
• Where Government mandated restrictions allow buildings should be visited and inspected both externally and internally at least every 7 days.


• Cash kept on premises should be deposited in the insured’s bank prior to ceasing operations

Other Considerations

• Removal of high value or critical equipment to a secure location
• Additional building security features (boarding windows etc).
• Clearly posted emergency contact details.