COVID-19 (Coronavirus)

clothing shop insurance

UPDATED 27 March 2020

As the unprecedented situation with COVID-19 continues and the Government continues to take new measures to delay the outbreak we realise this is a worrying time for everyone, not least our customers.  Our thoughts are with everyone affected and their families.

Following the Government announcement earlier this week we closed our offices and moved all of our staff to a working from home policy.

We were able to achieve this will very little interruption to our service and would like to thank you for your patience.


UPDATED 23 March 2020

Due to the COVID-19 coronavirus outbreak, we are receiving a high volume of enquiries from our customers.

We would like to reassure all our policyholders that your policy cover continues as normal for the time being and would suggest that you follow all government instructions on social distancing and continuation to trade.

We understand how hugely worrying this pandemic is for all people and we have the greatest sympathy for business owners who will be faced with enormous difficulties and challenges.

The Association of British Insurers have given out the information below in recent statements regarding business interruption cover. It applies to the insurance policies we offer and to practically all polices for small businesses offered by all UK insurers.

“Standard commercial insurance policies – the type the vast majority of businesses purchase – provide cover against a wide range of day to day risks including damage caused by fire, flood, theft and accidents involving employees.”

“Insurers action claims of £22m each day to firms through these policies, supporting millions of businesses across the UK each year.”

“Standard business interruption cover – the type the majority of business purchase – does not include forced closure by authorities as it is intended to respond to physical damage at the property which results in the business being unable to continue to trade.”

“Irrespective of whether or not the Government orders closure of a business, the vast majority of firms won’t have purchased cover that will enable them to claim on their insurance to compensate for their business being closed due to Coronavirus.”

“Only a very small minority of businesses choose to buy any form of cover that includes local closure due to an infectious disease.“

“An even smaller number will have cover enabling them to potentially claim on their insurance for the presence or impact of the Coronavirus pandemic.…”

 “A small minority of typically larger firms might have purchased an extension to their cover for closure due to any infectious disease. In this instance an enforced closure could help them make the claim, but this will depend on the precise nature of the cover they have purchased….”

Cover for infectious disease usually applies to a list of specified diseases and no insurers include the coronavirus COVID-19 in this list. Because this is a new disease that the world was totally unprepared for and due to the enormity of the problem that has spread around the globe, support on a massive scale directly from governments and central banks is necessary to support businesses and communities. The UK government has unveiled a package of financial measures to support businesses through the impact of coronavirus and has promised more assistance if needed.

If you need advice or guidance for yourself and your staff through this difficult time, please remember you have access to 24 hour legal and business advice under policy. Please refer to your policy documents for the relevant phone numbers. You will need to quote your policy number when dealing with the helpline.

We are of course here to answer any specific questions you may have.

Below are some links to information that may be of help:

For details about the government’s package of financial measures and how it can help your business, visit

For Q & As on coronavirus from the Association of British Insurers, go to section 2, Business Insurance at

Call our teamContact us on 01277 630 666 to speak to a member of our team.