My employees are working from home due to recent government guidance, will they be covered by my insurance policy?
- You'll need to refer to your specific policy to see if this is covered but if you currently purchase employer’s liability cover for your business, then it should extend to cover them while they are working from home during this period, if in doubt please call your insurer.
Please note you're still responsible for your employees Health and Safety whilst they are working from home e.g. ensuring they have appropriate equipment to perform their job safely e.g. workstation meets H&S guidelines. Most employees home insurance will allow them to perform clerical work from home but typically will not cover business visitors or business stock, so please check with your member of staff.
Am I covered for my contents that my employees take home in order to work there?
- You'll need to refer to your specific policy to see if this is covered as it will often be optional to cover the likes of laptops, tablets or mobile phones that belong to the business but your employee takes home, if in doubt please call your insurer.
If you're not covered on your insurance it doesn't mean you're not legally responsible for them as it's unlikely your employees home insurance would cover business equipment that doesn't belong to the employee.
What happens if my premises are left unoccupied?
- You would normally need to notify us if your property was going to be left unoccupied for beyond the allowable period stated in your policy. Given the exceptional circumstances at the moment, many insurers are reviewing their policy conditions with a view to increasing flexibility. In the meantime we recommend to shut off the water supply and gas to the premises if safe to do so and not business critical, and ensure that any measures to prevent thefts are taken, such as locking away or removing equipment, setting intruder alarms and if safe to do so periodically check the premises are secure e.g. once a week. If in doubt please contact your insurer via the telephone number in your policy documents.
How do I find out what type of cover I have?
- Your policy documents will tell you the type of cover you have.
My circumstances have changed due to COVID-19, should I cancel my policy?
- Business insurance helps to protect business owners and independent professionals against everyday risks, such as accidents in the workplace and associated public liability, stock or premises damage, legal costs and cyber-attacks. There are also some types of insurance that a business is legally obliged to have, such as employer’s liability and commercial motor insurance.
Even in a time when a business is unable to operate as usual due to the impacts of COVID-19, it’s important that businesses remain covered for standard risks, many of which may be more likely when the property is unoccupied, such as vandalism of the property, theft of stock or equipment, or even loss of information or damage to IT systems and networks.
Every day insurers pay out £22 million to help firms cope with these unwelcome events. If a business without adequate insurance cover experienced significant damage whilst temporarily closed, their ability to get back up and running once permitted to do so could be delayed.
However, should you need to speak to us about your circumstances please call us but please be aware we may have extended waiting times.
What if I have public liability or employers’ liability insurance?
- Public liability insurance protects you if you injure someone or damage their property in the course of running your business.
It may cover claims relating to Covid-19, depending on the individual case. Crucially, the main area for consideration will be if you or your business has been proven to be negligent, which has resulted in a third party being impacted by Covid-19.
Being negligent means that – as a result of your actions – you've caused damage or injury to others that could have reasonably been foreseen and avoided, as opposed to someone else being careless.
Employers’ liability insurance protects you if an employee or ex-employee sues for illness or injury caused by their work. It’s a legal requirement if you have employees and can pay compensation costs and legal fees.
It may cover claims relating to Covid-19, depending on the individual case. As with public liability, the main area for consideration will be if you or your business has been proven to be negligent, which has resulted in your employee being impacted by Covid-19.
In the case of employers' liability, being negligent means that as a result of actions by you (that could have reasonably been foreseen or avoided) your employee has been injured or fallen ill, as opposed to someone else being careless.