Temporary unoccupancy due to COVID-19 and Insurer information

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 for 90 days. Insurer will review the position on 23rd May 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.

Allianz

Insurer notification extended to 60 days.

Detailed response.

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 for 90 days. To be reviewed 1st June 2020.

Detailed response.

Aviva

Insurer notification extended to 90 days - Immediate notification is not required.

Detailed response.

AXA

Insurer notification extended to 60 days.

Detailed response.

Beazley

No changes to the current policy, updated requested from the insurer. Please contact your Howden representative.

CFC

No changes to the current policy, Insurer notification is 60 days.

Chubb

Insurer notification extended to 60 days.

Detailed response.

C N A

Insurer notification extended to 60 days.

Covea

Insurer notification extended to 60 days.

Detailed response.

Ecclesiastical

Unoccupancy clause does not currently apply if premises are unoccupied due to Covid-19 until 20th June 2020. Insurer will review the position on 1st June 2020.

Detailed response.

Hiscox

Insurer notification extended to 90 days.

Detailed response.

Markel

Insurer notification extended to 90 days.

MsAmlin

Unoccupancy clause does not currently apply if premises are unoccupied due to Covid-19.

NIG

Insurer notification extended to 90 days.

Detailed response.

QBE

Unoccupancy clause does not currently apply if premises are unoccupied due to Covid-19.

Detailed response.

RSA

Unoccupancy notification is extended to 90 days, however notification of un occupancy is encouranged - please speak to your usual Howden representative.

Detailed response.

Travelers

Unoccupancy clause does not apply if premises are unoccupied due to Covid-19, up to 1st June or the date when government restrictions are lifted, whichever is the earliest. Travelers require notification when buildings are unoccupied, please contact your usual Howden representative.

Zurich

Unoccupancy clause does not apply if premises are unoccupied due to Covid-19.

Detailed response.

All information listed is correct as of 20/04/20.

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