We hope you and your families are keeping safe and well during these unprecedented times.
As it is looking likely that the Government will extend the current restrictions beyond the end of this week, we wanted to provide some Insurer information that may be useful to you, especially those products you may have purchased from us:
Axa Management Liability
Includes access to rradar, Axa’s exclusive legal services partner. The expert legal teams and advisors at rradar can help guide you through a wide range of Coronavirus-related issues and the legal implications and processes you need to follow, including:
- employee safety
- sick pay confusion
- effect of employees self-isolating
- operational contingency planning
- temporary closure
Please contact us if you would like to be registered for this service.
AIG Lifeline Plus
Includes Virtual Medical Care Service. As well as a Second Opinion Service they also have the GP consultation service. This allows insured persons and their partner and children to remotely access a UK GP at their convenience. The access can be by phone or through the app with live interaction with a GP. It is a 24/7 service and there is no claim required under the policy to access the service. This benefit is more relevant to UK based employees. Further information can be found at https://www.aig.co.uk/innovative-products/virtual-medical-care
Business Interruption Insurance
As previously advised the vast majority of policies will not provide cover for this outbreak. If your policy wording includes a non-damage extension without a contagious disease exclusion or it includes notifiable diseases, there may be an element of cover. We would ask that you contact us as each wording will vary and we will refer this to your Insurer.
As more people are working from home cybercriminals could exploit the coronavirus, particularly phishing email attempts. Remind all your staff to be vigilant when opening attachments, report any suspicious emails and do not give out any sensitive information.
Unoccupied Properties during closure from Covid 19
Where any premises becomes temporarily unoccupied as a consequence of COVID-19, most Insurers have extended the time before they will impose restrictions on cover from 30 days to 60 days. This will be reviewed by Insurers if the Government extend restrictions beyond this period. You should apply appropriate best endeavours to manage your premises, including appropriate security while they are closed. Unfortunately certain insurers are applying a much tougher line on unoccupancy, some of these immediately when your property becomes unoccupied. If in any doubts, please contact your normal advisor(s) at D2.
As always, if you have any queries on any of your Insurance policies, please don’t hesitate to contact us. Although working from home, staff can be contacted on the usual numbers. A list of these can be found here.
You can also download our Coronavirus information pack here: Coronavirus Pack