November 6, 2020
Covid19 – Lockdown 2.0 Unoccupied Properties
At the start of the first national lockdown, commercial insurers took a very flexible position on business premises being temporarily closed due to Covid19 and for 120 days, the vast majority of insurers did not apply certain standard restrictions in their policies for unoccupied properties.
This period has now expired and having entered a second national lockdown period on 5 November, not all insurers have yet announced their position on businesses forced to close under the government regulations.
If your business premises are unoccupied as a result of Covid19 please advise your usual Wilsons contact, so that we can check with your insurer the position on policy cover and any risk prevention measures required or recommended.
Local Area Lockdowns
The government has stated that on expiry of the national lockdown period, which may be extended beyond 2 December, areas classified as high or very high tiers will revert to those regulations. In cases of local lockdown, where businesses must close in order to control a local spike in coronavirus infections, insurers may consider a flexible approach. However, you should inform us if your premises become unoccupied due to a local lockdown. We can then check and advise you of your insurers approach which is likely to be for a set time period, or until the date upon which the local lockdown restrictions end.
If you have commercial tenants with an extended closure, or in local lockdown, please contact us with details.
Unoccupancy unrelated to Covid19
All insurers take the same stance where the reason for premises being unoccupied does not result from Covid19, with the unoccupancy conditions in the policy detailing cover restrictions and risk prevention requirements. If this relates to you and we have not been informed please contact us to provide further details.
We’re here to help…
If any situation above applies to you, please contact us with the following information:
- If the premises will be opened periodically for goods collection/delivery or other work
- Any problems with the usual physical security measures and alarm systems
- Any problems with removal of trade waste from inside or outside of the premises
We are continuing to provide support to clients as usual. Please do not hesitate to call on 0115 942 0111, email your usual Wilsons contact, or get in touch at email@example.com – as always we are here to help.
On behalf of all at Wilsons take care and stay safe.