Commercial Policies

Business Interruption

Business interruption cover will be determined on a case by case basis based on the policy wording applicable and individual circumstances which at this stage continue to evolve. Business Interruption cover might apply as a result of the closure of the policyholder’s premises on the order or advice of a local or governmental authority as a result of an outbreak or occurrence of Covid-19 at the premises. Contact your Insurance Company or Insurance Broker for further information

Specific cover for loss of gross profit

Unattended properties

Premises which are temporarily closed because of Covid-19 restrictions won’t incur additional premium or any restriction in cover provided the following measures are in implement, this varies with each insurer. Contact your Insurance Company or Insurance Broker for details

1. keep all gas and water mains supplies disconnected
2. keep all electricity mains supplies disconnected (unless to supply an intruder or fire alarm system)
3. keep all windows and shutters securely locked
4. check on the premises at least weekly (both internally and externally) if permissible
5. remove all trade waste