Temporary unoccupancy due to COVID-19 and Insurer information
Government guidance has meant that many business and commercial premises are not currently being occupied.
You should check your individual policy wording first but please use the table below to check Insurer occupancy positions in respect of properties unoccupied due to government restrictions.
If your property is going to be unoccupied for longer than listed please contact us immediately. If your Insurer is not listed, if you are unsure of your policy or if require further guidance please contact your usual Howden representative.
|Insurer||Occupancy Position||More information from Insurer|
|Ageas||Unoccupancy clause does not apply if premises are unoccupied due to COVID-19 until 23rd June 2020.||-|
|AIG||AIG will not classify a building as unoccupied, if it remains empty due to government guidance surrounding COVID-19. Reasonable precautions to manage the premises are required and expected.||-|
For premises unable to open due to Government enforcement, unoccupancy conditions will apply from 30th June but there will be no restriction in cover or additional premium charged and insurers do not need to be informed.
For premises that are able to open under government guidelines but remain unoccupied, you must inform the insurer and cover restrictions will apply but no additional premium charged.
If you are shielding and unable to comply with the condition, you do not need to notify insurers, cover will not be restricted and no additional charge made.
Contact your Howden representation for full details of unoccupancy conditions or click on the following link.
|Ansvar||Unoccupancy clause does not apply if premises are unoccupied due to COVID-19, up to and including 30th June 2020||Detailed response.|
|Arch||Unoccupancy clause does not apply if premises are unoccupied due to COVID-19 until 1st July.||Detailed response.|
Unoccupancy clause extended to 5th August 2020. If your premises will still be unoccupied beyond this date please contact your Howden representative for the basis of cover to be agreed.
|AXA||Unoccupancy clause extended to 15th July for premises that must remain closed under the Health and Protections regulation. For those premises that chose to remain unoccupied whilst staff work from home, effective from 26th June, the unoccupancy must be declared to AXA and it is expected that the building must be secured and protected. Please contact your Howden representative for more details.||Detailed response.|
|Beazley||No changes to the current policy, updated requested from the insurer. Please contact your usual Howden representative.||-|
|CFC||Guidance requested. Please contact your usual Howden representative.||-|
Unoccupancy clause extended until current restrictions are lifted unless there is no intention to reopen either permanently or for an extended period then the property will be considered vacant and underwritten accordingly.
|CNA Hardy||Unoccupancy clause extended to 15th July.||-|
|Covea||Insurer notification extended to 90 days.||Detailed response.|
|Ecclesiastical||Unoccupancy clause does not currently apply if premises are unoccupied due to COVID-19 until 31st August 2020.||Detailed response.|
|Hiscox||Unoccupancy clause extended to 19th September 2020 for premises that cannot open because it is still prohibited. For businesses that have not yet opened but it is practicable, safe and permitted, you should visit the premises every seven days to ensure everything is in order and where this is demonstrated your premises will be deemed to be unoccupied. Visits must be documented.||Detailed response.|
|Markel||Insurer notification extended to 90 days.||-|
|MsAmlin||Unoccupancy clause does not currently apply if premises are unoccupied due to COVID-19.||-|
Unoccupancy clause extended to 5th August subject to implementation of security precautions, housekeeping and regular documented inspections. Please contact your Howden representation for more details.
|QBE||Unoccupancy clause does not currently apply if premises are unoccupied due to COVID-19.||Detailed response.|
|RSA||Unoccupancy notification is extended to 120 days, however notification of unoccupancy is encouranged - please speak to your usual Howden representative||Detailed response.|
Effective from 15th June 2020, the unoccupancy condition as stated within the policy wording will apply. Please contact your Howden representative for more details.
|Zurich||Unoccupancy clause does not apply if premises are unoccupied due to COVID-19.||Detailed response.|
All information listed is correct as of 17/06/20.