Can I claim on my insurance?
To combat the spread of COVID-19, the government has instructed all non-essential business, including sports clubs and leisure facilities, to close.
The government and the insurance industry have confirmed that this instruction to close is sufficient to satisfy a clause relating to government ordered closure in a policy and further intervention by the police or another statutory body is not required.
However, the ability to make a claim will also be dependent on organisations having an insurance policy which covers pandemics or unspecified notifiable diseases.
Further information from the government on commercial insurance is available here. It is suggested you contact your insurance provider to understand fully what your policy covers.
Our partners Howden have produced a series of COVID-19 related guidance for businesses including operational management, cyber risk management, support for employees and implications for directors.
The Association of British Insurers have also produced useful guidance regarding business insurance.
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