Updates to your Temporary Cover Enhancements (April 2020) for properties temporarily closed due to COVID-19
Covid 19 Temporary Cover Enhancements to our policies
Employees working from home
As standard most of our policies extend contents cover to include cover whilst away from the premises and / or specifically at the homes of employees. Where your policy does not already include this cover, the following cover is added:
Contents at Employees’ homes
Where your policy does not already provide such cover, your policy is extended to provide cover for contents temporarily removed to the homes of employees due to the Covid 19 outbreak up to a limit of;
- €2,500 any one item
- A maximum of € 5,000 any one employee’s home.
For Education insurance policies this extension will additionally extend cover to pupils & students homes
Liability - health and safety
Premises that are temporarily closed solely due to the Covid 19 outbreak
- were unoccupied before the outbreak or
- that close down permanently
- Unoccupied premises cover restrictions will not apply to Temporarily Closed premises
- Temporarily Closed premises will benefit from
- no reduction in the level of policy cover
- no increase in excesses
- no increases in premium
Temporarily Closed Premises Condition
Temporarily Closed means premises temporarily closed solely due to the Covid 19 outbreak (and such premises will not be regarded as unoccupied as defined in the Policy).
In respect of Temporarily Closed premises the following risk management measures should be implemented as far as is possible:
(1) where there will be no need to re-enter the premises during the period of temporary closure you must turn off electricity gas and water supplies at the mains (and where reasonable to do so drain down water systems) other than those services required to maintain
- critical business infrastructure required to allow the continuance of the organisations operations and support temporary home working arrangements
- intruder alarms
- fire alarms
- sprinkler installations
- other fire suppression security or other risk protection systems or devices
- alarms
- sprinkler installations
- fire suppression systems
- locks and all other protective and security devices including gates and other perimeter security protection at the premises
- i. the sprinkler system should be inspected to ensure it is operating correctly whenever such buildings are inspected
- ii. the temperature throughout the building must be maintained at not less than 7 degrees Centigrade (45 degrees Fahrenheit)
- iii.there annual servicing and maintenance is due the sprinkler system must be serviced and maintained by an appropriately qualified engineer as soon as circumstances permit
- i. remove all internal waste and
- ii.position all external bins as at least 5 metres from the buildings (or otherwise as far as possible where this is not possible) and secure the bins in position where this is possible
- i. rectify as soon as is reasonably possible any damage to or defects in the fabric of the building or any protective or security devices or installations
- ii. maintain a record of inspections including the remedy of any defects
- iii.remove accumulations of post from the letterbox during each inspection and take any other action to ensure the premises cannot be easily identified as unused or closed down
Outstanding Risk Improvements, periodic conditions & maintenance conditions
Any policy term that requires regular maintenance, inspection or where we have specified completion of a risk improvement by a specified deadline that cannot be fully complied with or fully completed solely due to the Covid 19 outbreak causing travel restrictions or the lack of availability of contractors will be held in automatic abeyance until;
- the expiry of the current outbreak or
- the availability of contractors or
- the date the temporary cover enhancement expire