COVID-19 Conditions For Unoccupied Properties

The following information will help you to prevent a breach of your insurance cover.

Government restrictions mean many businesses have closed temporarily which can result in buildings currently being left unoccupied.

If your insurance policy has unoccupied / security conditions and your property was unoccupied prior to the COVID-19 outbreak, then the usual security conditions required by your insurer are the same as before. These conditions may include among other things at least weekly visits, removal of combustible waste, switching off gas, water and electricity and letterboxes sealed.

You should refer to your policy wording for the exact requirements defined by your insurer. 

For premises that have become unoccupied during the COVID-19 outbreak due to Government restrictions, a number of insurers are relaxing their policy requirements for the time being. During this period, insurers will continue to review their position. 

Please contact us immediately if;

  • the outbreak has left you unable to comply with the policy requirements, as your insurers need to be informed and any arrangement with your insurers to relax or vary the requirements needs to be agreed in writing;
  • your property policy has multiple underwriters writing lines on it, as each of these might have different unoccupancy conditions;
  • your policy wording is different to the guidance given in the table below, or you are in any doubt at all.

The table below includes a summary of the unoccupancy position where we have obtained responses from Insurers. If your Insurer is not listed in column A on this table, please contact customer services for more information. If your insurer is listed, please check your insurer’s occupancy position in column B and if your property is going to be left unoccupied for more than the total consecutive days then you MUST notify us.

 

A: INSURER

B: OCCUPANCY POSITION

 C: INSURER RESPONSE

Ageas

Unoccupancy clause does not currently apply if premises are unoccupied due to COVID19 - AGEAS will review again by 23/05/20.

Detailed response.

AIG

If a building is now empty & this is a result of COVID19 then for the purposes of your property policy the building will not be classified as unoccupied. However, you will need to ensure you comply with any policy conditions in relation to security of the premises. Please contact us for more information.

-

Allianz (Including LV)

60 days.

Detailed response.

Ansvar

Unoccupancy clause does not currently apply if premises are unoccupied due to COVID19. Ansvar will review 30/06/20.

Detailed response.

Arch

Premises not deemed to be unoccupied. Arch will review by 01/06/20.

Detailed response.

Aro

ARO have agreed to allow the insured a total of 90 days where cover will not be reduced. After a total of 90 days the risk will need to be referred to ARO for further consideration and restricted cover may apply.

 

Aviva

90 days.

Detailed response.

AXA

60 days.

Detailed response.

Beazley

Beazley have indicated they are likely to amend their unoccupancy clause to 90 days, in respect of COVID19. However we are awaiting confirmation from Beazley. Please contact your broker for more information.

-

Burns & Wilcox

Burns & Wilcox have advised they will review each case individually. Please contact your broker for more information.

-

CFC

CFC have indicated they are likely to amend their unoccupancy clause to 120 days, in respect of COVID19. However we are awaiting confirmation from CFC. Please contact your broker for more information.

-

Chubb

30 days.

Detailed response.

C N A

60 days.

-

Covea

90 days.

Detailed response.

Ecclesiastical

Unoccupancy clause does not currently apply if premises are unoccupied due to COVID19. Ecclesiastical will review 30/06/20.

Detailed response.

Hiscox

90 days.

Detailed response.

Markel

Markel have indicated the following will apply. "While you may not be on site you are still trading (from the premises) and intend to trade from there in the future we do not deem this to be unoccupied. However, you will need to ensure you comply with any policy conditions in relation to security of the premises." Please contact your broker for more information.

-

NIG

90 days.

Detailed response.

NMU

Please refer to your existing policy wording.

-

QBE

Unoccupancy clause does not currently apply if premises are unoccupied due to COVID19.

Detailed response.

Regency Underwriting Services

Existing customers can continue without an MTA being made subject to the existing unoccupancy terms within the policy wording, only where the business is temporarily closed based on current government guidelines. It should be noted that cover is restricted as per the policy wording after 30 days.

 

 

 RSA

 90 days.

Detailed response.

Travelers

Travelers indicated the following will apply. "Unoccupancy clause will not currently apply if premises are unoccupied due to COVID19" Travelers will review 01/06/20. Please contact your broker for more information.

-

Victor

Please refer to your existing policy wording.

-

Zurich

Unoccupancy clause does not currently apply if premises are unoccupied due to COVID19.

Detailed response.

 

Latest News

High paying trade careers that don’t require a student loan

12th May 2020

Tradespeople is an incredibly generic term and incorporates a wide range of careers. Here are three of the top-earning trade careers that can be…

Is your business prepared for the Coronavirus?

13th March 2020

Apologies if you haven’t been able to get through to our phone lines. We will return your call asap, alternatively please email us at…

The Rise of Electric Vehicle Charging Point Use

5th March 2020

The demand to install EVCPs represents a huge opportunity for skilled, qualified electricians to embrace. Now is the time to embrace this…

How to Grow a Small Electrical Business

27th February 2020

Are you a small electrical business owner? Learn how to help grow your business with our handy guide.