In order to support cathedrals we previously added some temporary cover enhancements and wanted to provide clarity on how our cover will respond.
In light of current uncertainty caused by the outbreak of COVID-19 we understand that there will inevitably be an impact on your insurance needs. Please see below the automatic enhancements we are applying to all policies during this period to provide additional peace of mind.
- There will be no additional premiums for these enhancements;
- These enhancements apply until any expiry date applicable to them;
- We will review and extend these enhancements for a further period if we deem it appropriate;
- These enhancements will be applied via this Letter of Intent and will apply as if endorsed onto each policy.
Your cathedral policy includes as standard, cover for contents whilst away from the premises and / or specifically at the homes of employees.
Subject to the terms and conditions of the policy, both Employers’ and Public Liability policies provide an indemnity to the policyholder if they are held legally liable for accidental bodily injury or illness arising in connection with their business.
We would consider this work to be part of the usual activities of the cathedral. However, we would expect the individual cathedrals to follow Public Health England (or equivalent body)/government guidance at all times and observe any precautions stipulated by those bodies. There would be no additional premium in respect of these activities.
Closed cathedrals can still be entered for certain purposes including:
- Maintenance, where this is reasonably necessary; and
- Other work to ensure a cathedral’s readiness to open again.
We do still strongly recommend you implement risk management measures to reduce the risk of damage – please refer to our risk management guidance here for further information.
With weather forecasts predicting prolonged periods of cold / freezing weather across the UK, this risk management is especially important to avoid or minimise losses and disruption to cathedral activities.
Any visits to or work undertaken at the cathedral premises should be in line with the latest Government guidelines.
We hope that this provides the reassurance you need in these unprecedented times. If you are unsure about any of the guidance or have any other questions relating to your cathedral insurance please contact us on 0345 777 3322.