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Coronavirus: Business Insurance

If you’re worried about your situation, and can’t find your answer here, then remember your local Agency or Mutual Direct are here to help.

No. Your policy has an exclusion under the Accidental damage cover that excludes all pollution or contamination of property.

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The obligation for inspections is a statutory requirement and is not diminished by the Coronavirus outbreak.

Examinations must still be carried out by a competent person in accordance with the scheme of inspection (generally every six or 12 months). If an inspection is overdue, any equipment which is subject to thorough examination must be withdrawn from service until it has been examined by a competent person. Operation of such equipment would be an offence under the regulations and there is a legal duty to report this.

If the Government makes changes to these requirements, we will provide updated advice.

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RISCAuthority, a funded research scheme supported by a significant group of UK insurers that conducts research in support of the development and dissemination of best practice on the protection of property and business have produced a business continuity template for small businesses, which can be downloaded for free. 

Further information on Business Continuity Planning is also available from business continuity and risk management experts such as Inoni. Inoni have published a Business Continuity for Business blog. The blog is intended to support businesses with their pandemic planning. It includes a suggested approach and an opportunity to download their own Pandemic Plan as an example


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On Tuesday 15 September 2020 the Court published its judgment on the Financial Conduct Authority (FCA) Business Interruption Test Case,  find out more.

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