Updates to your Temporary Cover Enhancements (December 2020)

22 December 2020
In order to support customers during a period of uncertainty, we previously added some temporary cover enhancements and wanted to provide clarity on how our cover will respond moving forward. We have therefore updated the temporary cover enhancements we previously applied as follows: 

Employees working from home – enhancement extended until 31/03/21

As standard most of our policies extend contents cover to include cover whilst away from the premises and/or specifically at the homes of employees.
Where your policy does not already include this cover, the following cover is added:
Contents at employees’ homes
Where your policy does not already provide such cover, your policy is extended to provide cover for contents temporarily removed to the homes of employees due to the COVID-19 outbreak up to a limit of:
  • £2,500 any one item;
  • A maximum of £5,000 any one employee’s home. 
For Education insurance policies this extension will additionally extend cover to pupils’ and students’ homes.

Liability – health and safety

Resources for employers are signposted by the Health and Safety Executive on their latest information and advice page. As organisations look to different working models for continuity, they also have useful guidance on homeworking and working alone.  
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.

Enhancements ended 02/12/2020

The following enhancements were only introduced for the duration of the English national lockdown period that ended on 2/12/20. These have therefore ceased and, for the avoidance of doubt, do not apply in respect of any tiered restrictions:

Premises that are temporarily closed solely due to the COVID-19 outbreak

Buildings that are temporarily closed/no longer in regular use are exposed to different and usually greater risk than occupied premises and premises that are open for regular trading.
Our standard policies define “unoccupied” premises and apply standard restrictions in cover and conditions precedent to cover that need to be complied with. Normally a higher premium is charged on unoccupied premises.
To ensure customers were not unduly penalised for temporary closures solely due to the COVID-19 full lockdown restrictions the normal terms and conditions applicable to unoccupied premises were not applied to premises that were temporarily closed. 
Temporarily Closed meant premises temporarily closed solely due to the COVID-19 outbreak (and such premises were not regarded as unoccupied as defined in the Policy) during the period when the dispensations applied. 
With effect from 2/12/20 temporarily closed premises must comply with all policy terms and conditions, including (but not restricted to) unoccupied premises conditions, where they fall within the normal policy definition of Unoccupied.
Please note:
1) The start of any period of unoccupancy begins from the date the premises first became unoccupied (not from 2/12/20). 
2) If a premises qualifies as unoccupied on 2/12/20 the insured must comply with all policy terms and conditions for unoccupied premises immediately from 2/12/20 to maintain cover in line with the policy (unless otherwise agreed or varied by us in writing).
3) Premises that are not yet open to customers/other service users, or not yet fully used in the normal way for that premises, but does have daily occupation in line with normal working hours for that premises (such as admin/office functions are now operating, or there is a daily presence in preparing for normal operations to re-commence), will not be deemed unoccupied. 
See the policy definition of Unoccupied for more details. 
If in doubt please contact us via your normal channel of communication.

Outstanding risk improvements, periodic conditions and maintenance conditions – re-apply from 2/12/20 and all dispensations cease

We temporarily suspended compliance with risk improvements by the deadline specified by us, and other policy terms requiring regular maintenance or inspection, where these could not be completed during the COVID-19 lockdown because of the restrictions on movement and/or the lack of availability of contractors.
With effect from 2/12/20 the suspension of compliance will cease. Any policy term that requires regular maintenance or inspection re-applies from 2/12/20.
If the re-set deadline is not sufficient for any reason please contact us immediately.