Returning to Operations after Covid-19 Shutdown
In conjunction with our survey team, we have created the following checklist to help Policyholders manage their risk at the point of re-opening their premises. We hope that this can be of assistance as part of re-opening preparations.
Unoccupancy Conditions following Closure due to COVID-19
In the event that an Insured has followed Government instruction to close their Premises temporarily following the COVID-19 outbreak, the 30 day period under the standard Barbican Protect/Burns & Wilcox wording Unoccupancy Condition is extended to 90 days with no restrictions in cover, subject to the following conditions being met:
- All money is removed from the Premises
- All water, gas and electricity supplies are disconnected at the mains except electricity where needed to maintain any fire or intruder alarm systems and refrigerators or freezers
- All refuse and waste materials are removed from the Premises
- The Premises are secured against unlawful entry with any fire and intruder alarm systems set
- The Insured or their authorised representative must carry out a thorough inspection of the Premises on at least a weekly basis and carry out immediately any work necessary to maintain the security of the Premises unless the Government explicitly requires all persons, including the Insured, their staff and paid security professionals, to remain in their private dwelling
- The Insured must maintain a written record of such inspections away from the place of Business which must be made available to Insurers or their representatives for inspection
- The existing policy excesses will apply.
Please note that no increases can be made to the values of declared stock other than for delivery of orders made prior to the date of closure.
If the Insured’s premises were already unoccupied before the Covid-19 outbreak, and you are now unable to meet the terms of the Unoccupancy Conditions in your policy due to the current restrictions, please contact us to ensure that your current level of cover is maintained and any subsequent claim is not repudiated due to breach of these conditions.
These conditions will be reviewed further as the Covid-19 outbreak develops – please discuss any queries or concerns with your Burns & Wilcox United Kingdom contact.
In response to the escalating risk posed by COVID-19, and in light of recent actions proposed by the UK Government to restrict its spread, the Burns & Wilcox team are working remotely from home.
This decision has been taken to help safeguard the health of our team but will not affect our ability to conduct business. We are focused on remaining open for business and delivering uninterrupted service to all our customers during this time. Our working hours remain the same and all staff are equipped to operate remotely to ensure that our high standard of customer service is maintained.
Please continue to liaise with your usual underwriters via all normal communication channels. Moreover, if you feel that we can support you in an expanded capacity during this period, please feel free to contact any one of us. You can find our contact details under the “Who we are” page on our website.
We will keep you informed of any further developments and hope that you and your families stay safe during this challenging time.