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Lockdown 2 – what it means for business insurance

This lockdown may be different from last time but if your business premises are going to be unoccupied, it’s important to check your insurance policies.

Most insurance policies allow for a period of unoccupancy but this comes with certain conditions and it is important to comply with these for the cover to remain valid.

If business premises are likely to be unoccupied for longer than the period allowed, contact us with full details of your risk assessment and security plans.

We will need to know how the property has been secured and what has been undertaken to manage the utilities.

Insurers expect there to be regular inspections of the property including the running of taps and flushing of toilets, which is especially important during the winter.

Tracey Meaney, Director, explained: “As we have now entered a second lockdown in England, it is important that businesses not operating from their usual place of work consider the appropriate conditions of their business insurance policies.

“Some may have not fully reopened after the first lockdown and others may be asking staff to return to working from home. Whatever your situation, it is important to check that you are complying with your insurance policies conditions.”

For more information, contact a member of our team.


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