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Supporting your clients

We just wanted to reassure you that we’re here to support your clients in protecting their business assets and employees for the long term, so that when it’s safe to do so, they’ll be ready to re-open.

So, by following the five simple steps below whilst closed to the public due to Government guidance, their cover will remain unaffected:


1. Carrying out internal and external inspections of their building/s at least once a week.
2. Maintaining a weekly log of inspections.
3. Immediately repairing, or arranging to repair, any issues detected (including removal of graffiti and in the security or alarm or fire protection installations).
4. Removing any waste from the premises either inside or outside the building/s.
5. Checking to make sure all the external doors are locked and closing and securing all windows.


Government guidance allows those responsible for premises to attend them for inspections and maintenance even where they are otherwise closed. These steps will therefore remain in place until such time the Government’s guidance changes. When this happens, we’ll be in touch to let you know how this affects our current position.

We do however recognise that there may be circumstances where it’s not possible for weekly inspections to be undertaken, and where this is the case, please contact your local underwriter to discuss and agree an appropriate approach. There may also be some businesses who unfortunately have to cease trading entirely during the lockdown period, and where this is the case, we’d also ask you to notify your local underwriter immediately so that we can provide you and your clients with the appropriate support.

In addition to this, we’ll continue to maintain our support for businesses who have had to change their business model to meet new lockdown restrictions or diversify their operations to respond to changing market dynamics, by taking a flexible approach and assisting them to keep trading.

We’ll also continue to support your business clients who are working from home by providing the same level of protection to businesses now having to carry out their business activities from their or their employees’ homes.