Coronavirus Updates for Brokers

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Please note, we will keep this article up to date with the latest news during the Coronavirus crisis.

Posted 22 April 2020; Last Updated 30 July 2020

Waiving Additional Premiums

Wherever possible we will reduce the need to charge small additional premiums for mid-term adjustments if this is helpful to ease your current administration arrangements. This is likely to be premiums under £50 but please speak to your normal underwriting contact in the first instance.

Contents away from the Premises

Since the government has advised that employees should work from home, many organisations have had to allow staff to take equipment such as their work laptops and computer screens away from the office. This can understandably bring fresh concerns over insurance coverage to business owners.

  • CaSE Charity & CaSE Faith Insurance (Aviva and Brit):
    Any items currently insured under Section 1, will be considered as though they were insured under Section 3 for the forseeable future. We will provide 30 days notice when this arrangement is to end.
  • RecruiterCover (Aviva):
    Any items currently insured under Section 1, will be considered as though they were insured under Section 3 for the forseeable future. We will provide 30 days notice when this arrangement is to end.
  • RecruiterCover (MS Amlin):
    If your policyholders have Section 1 Property Damage All Risks cover insured with Aviva or MS Amlin, the following endorsement will be applied ‘in principle’ automatically:
    Cover in respect of Contents and Computer Equipment extends to include cover as if such items were insured under Section 3 Specified Business Equipment All Risks of this Policy (and subject to the terms, conditions and limitations of Section 3) whilst temporarily away from the Premises and within the Territorial Limits for continuous periods not exceeding 60 (sixty) days, up to a Sum Insured of £5,000 any one claim and £50,000 in any one Period of Insurance.

This addition will be given without charge and negates the need for policyholders to contact you/us and requesting that we endorse this policy.

Unoccupancy

For CaSE Insurance (charity and faith) and RecruiterCover (recruitment) policies insured by Aviva, we have agreed an extension on the amount of time before a property is considered to be Unoccupied from 30 days to 90 days, where the property has been temporarily closed to comply with government advice on Coronavirus/COVID 19. Properties which were/are unoccupied for reasons other than Coronavirus still have the Unoccupancy conditions applying after the ususual 30 days.

Update 17 June 2020: we have now agreed with Aviva that the ‘period of grace’ has now been extended by a further 45 days, a total of 135 from the date the Government announced ‘lockdown’; this ‘period of grace’ is now due to expire on 5 August 2020. Aviva will provide further information nearer to this date if lockdown is still in force.

Update 30 July 2020: Aviva have advised that this ‘period of grace’ will come to an end on the 5th of August 2020 and Premises which have not been used for business purposes in the last 30 days will be considered to be Unoccupied with the normal Unoccupancy conditions to apply.

Organisations which are not yet permitted to return, or have “good reason” as to why they are unable to return to the premises will not be subject to these restrictions however they should be continuing to ensure that the premises is maintained in terms of ensuring that the premises are secure and potential hazards (such as trade waste) cleared. Please refer to your underwriting contact if you need to confirm what would constitute “good reason”

Aviva has previously confirmed that property and computers which were ordinarily kept at the Premises would be covered within any location in the UK if they’d been taken to employees or volunteers personal properties to allow working from home. Aviva have confirmed that this arrangement will continue to operate

For CaSE Insurance (charity and faith) policies insured by Brit, we can confirm that the normal Unoccupancy conditions will not be applied to organisations which are closed due to government or local authority instruction, or are unable to comply with formal government or national public health body guidance

For RecruiterCover (recruitment) policies insured by MS Amlin, we have agreed to remove all conditions relating to the premises being Unoccupied if the reason for the unoccupancy is due to COVID-19.

Amended Temporary Worker Activities (RecruiterCover)

In an effort to help, if your client needs to add or change the type of temporary workers they are supplying to include activities within retails, warehousing and care, we will in most cases agree to note the changes without making any additional charges up until the renewal of the policy. Please notify us of the changes in advance and we will record the change and provide you with confirmation by return.

Travel Overseas

You will know that the Foreign & Commonwealth Office (FCO) are now advising against all but essential travel to any all overseas countries. So if there is an overseas travel element on your Charity or Faith Combined policies our Overseas endorsement policy would not give Employers’ or Public Liability cover except unless we’ve specifically agreed it. However, we can confirm that anyone who was overseas before the FCO advice came out would still be covered as long as separate travel insurance is already in place.

For CaSE Insurance (charity and faith) and RecruiterCover (recruitment) policies insured by Aviva, we have agreed an extension on the amount of time before a property is considered to be Unoccupied from 30 days to 90 days, where the property has been temporarily closed to comply with government advice on Coronavirus/COVID 19.

For RecruiterCover (recruitment) policies insured by MS Amlin, we have agreed to remove all conditions relating to the premises being Unoccupied if the reason for the unoccupancy is due to COVID-19.

Reasonable precautions

In relation to both insurers, the policyholder should be taking reasonable precautions to ensure that the property is secured before they “close up”. Regarding properties which are unoccupied for reasons unrelated to Coronavirus, the usual unoccupancy restrictions and conditions will still apply and restrictions and conditions will come into force after the period specified in the policy. However, Aviva have also said that in the event of a claim they will take government advice / closures into account if they were a factor in the inability to comply with requirements.