Hi there! Auto & home insurance call center (remote) employee here. One of my biggest pet peeves is when people cough into the phone. I don’t mean like a slight cough or clearing your throat, I mean that’s pretty irritating too but is tolerable. It’s when people are horribly ill and can hardly speak and have massive phlegmy coughing fits. I do feel bad for you that you’re ill, I really do. But at the same time, calling to complain about your renewal premium increase that isn’t happening for another month can surely wait until you’re feeling better. Or if you’re making a payment, you can use the automated payment system or go online. Why strain yourself so much to make a phone call that can wait? Also I instinctively use hand sanitizer and wipe down my desk and phone with a Lysol wipe after the call.