In order to support customers 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 church 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 church. However, we would expect the individual churches 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.