We have received a number of enquiries as to whether our business clients would be insured should they be forced to close their business or lose income owing to the coronavirus. The Business Interruption cover under the policy does not normally provide cover for this type of loss, in which case there is no insurance for loss of earnings.
The reason cover is not normally provided is because most policies list the notifiable diseases which would be covered within the policy and these do not include COVID-19. Some policy wordings are wider and they cover closure arising from any notifiable disease arising at the premises. COVID-19 is notifiable, but in order for this cover to trigger, there must be an occurrence of the disease at the policyholder’s premises that causes an interruption or interference with the business.
We are not able to offer advice regarding procedures for the cleaning of workplaces and we would refer you to the National Health Service website for information of this sort: https://www.nhs.uk/live-well/healthy-body/how-to-prevent-germs-from-spreading/
Advice for employers and employees can be found on the ACAS website: https://www.acas.org.uk/coronavirus
We are expecting to have to operate with a restricted number of staff over the coming weeks and it would help us if you would send in any urgent enquiries by email rather than telephone to email@example.com
Why Choose Us?
We are independent insurance brokers who specialise in charity and general insurance.
A large proportion of our clients came to us as they were experiencing difficulties in finding insurance due to the nature of their work or business. We place cover with varied sources – composite insurers, underwriting agencies, Lloyd’s and in specialist markets.
Why you should think about
using a Chartered Broker
We are proud to have been awarded the prestigious title ‘Chartered Insurance Brokers’ by the Chartered Insurance Institute (CII).
This is the industry’s gold standard for insurance brokers and is currently met by fewer than 200 firms across the country.
Chartered status brings with it serious obligations. We are required to ensure the advice, service and ongoing support we provide to you is:
of the highest quality
based solely on your researched needs
provided by someone operating within their level of competency.
Write to us:
Norris and Fisher Insurance Brokers Ltd
34a Hiltingbury Road
Call us: 02380 269 009
Email us: firstname.lastname@example.org
Send a message directly to our team
© 2020 by Norris & Fisher (Insurance Brokers) Ltd - Company Reg No: 04567558
Authorised and regulated by the Financial Conduct Authority. Registered in England & Wales: 303993. Registered Office: 34a Hiltingbury Road, Chandlers Ford, Eastleigh, Hampshire SO53 5SS.
If you are unhappy with our service we have a complaints procedure, details of which are available on request. You may be able to refer a complaint to the Financial Ombudsman Service (FOS) if you are unhappy with how we deal with your complaint. The FOS website is www.financial-ombudsman.org.uk