Preparing to open after the long period lockdown, make sure that you have carried out a risk assessment of your premises and followed the relevant Government guidance to make your business Covid-19 Secure.
If you have had to make changes to your premises or the way you work, make sure you contact us to update your insurers to ensure that your cover remains adequate.
If your premises becomes unoccupied due to having to temporarily close, or staff working from home due to Covid-19
AVIVA INSURANCE -Aviva have extended their full cover period to 90 days. Please contact us to discuss your situation once this period is coming to an end
AXA INSURANCE – Have extended their full cover period to 60 days, please notify us nearer the expiry of the 60 days to review the situation
ALLIANZ INSURANCE – Will continue to provide full cover for the first 60 days of unoccupancy if it is due to the Coronavirus restrictions. Nearer the time to the expiry of the 60 days contact us to review the situation.
AGEAS INSURANCE – Where any premises becomes temporarily unoccupied as a consequence of COVID-19, Ageas will not restrict cover from the time the unoccupancy starts, until such time as the restrictions on premises being used or occupied are lifted. This is subject policyholders applying appropriate best endeavours to manage their premises, including appropriate security measures while they are closed, and adhering to governmental advice and action.
You don’t need to notify Ageas of the unoccupancy, where it occurs as a result of COVID-19.
This amended approach will apply for the next 60 days (from 24 March 2020). We may (subject to review) extend this period further.
Ecclesiastical Insurance – Temporary cover Enhancements
FOLGATE INSURANCE – The full cover period of unoccupied properties has been extended to 90 days, policies incepted up to and including 25 March, where the unoccpancy is as a direct result of the Covid-19 pandemic.
If you have made arrangements to work from home then you do not need to notify us if this only involved clerical work. If any stock/office contents have been removed to the home please notify us immediately.
NIG – NIG have extended their full cover period for unoccupied properties to 90 consecutive days and encourage policy holders to ensure the building is secure, where practical turn of gas, water and electricity supplies at the mains. If possible to visit the premises every 7 days to check and carry out any work to maintain security. Remove all trade refuse and waste materials.
RSA – would consider such business premises to be temporarily unoccupied. However, certain standard restrictions in RSA policies for unoccupied properties will not be applied, provided that the period of closure does not exceed 90 days. What this means for such premises is that, for the period that they may be closed for the above reasons or for up to 90 days maximum (whichever is the shorter period):
1) Where the policy wording excludes Malicious Damage, Escape of Water or Theft with respect to buildings that are empty or not in use, such exclusions will not apply
2) Security and Inspection conditions applicable to Unoccupied Properties will not apply
ZURICH INSURANCE – It is Zurich’s intention that where buildings are temporarily closed due to the COVID-19 outbreak, their Unoccupied Conditions will not apply and they will not be taking any further measures to restrict coverage.
Currently all other insurers have not changed their standard unoccupancy terms. Please continue to notify us as soon as your property becomes unoccupied.