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SIMON BROWN INSURANCES LTD

01371 874776 info@simonbrown.com

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Business

CORONAVIRUS

Business Interruption cover - Unfortunately the situation is bleak. The cover afforded by insurers differs but most appear only to cover against a pre-selected list of illnesses/diseases which obviously won't have included Coronavirus:- Acute Encephalitis, Acute Poliomyelitis, Anthrax, Chickenpox, Cholera, Diphtheria, Dysentery, Leprosy, Leptospirosis, Malaria, Measles, Meningococcal Infection, Mumps, Opthalmia Neonatorum, Paratyphoid Fever, Plague, Rabies, Rubella, Scarlet Fever, Smallpox, Tetanus, Tuberculosis, Typhoid Fever, Viral Hepatitis, Whooping Cough or Yellow Fever an outbreak of which the competent local authority has stipulated shall be notified to them.

Of the other insurers who are less specific and cover against 'notifiable diseases', which Coronavirus now is, the cover generally only applies if the disease manifests at the insured premises and results in the local authority closing those premises down.

There are a few companies who go beyond this and may cover your inability to use the insured premises due to restrictions imposed by a public authority during the period of insurance following an occurrence of any human infectious or human contagious disease, an outbreak of which must be notified to the local authority;

Not good news all round unfortunately but please check with us if you have any concerns






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