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Centenary Celebrations disappointment and thanks

60 years of service from D&H

A heartfelt thanks to Malcolm for putting pen to paper and thanking D&H for the invite to the Centenary Celebration that were due to take place on Saturday 20th June 2020. The event was to be a real celebration of Doncaster business and culture over the decades.
We look forward to seeing Malcolm and his wife when the world returns to some form of normality and Social Distancing is eased. We regret having to cancel the summer event at the Doncaster Deaf Trust but our MD Tim Austin has agreed to arrange an alternative celebration of some sort in 2021.
We so appreciate Malcolm’s support of our business for nearly 60 years and look forward to many more.
We hope Marlene & Malcolm remain safe and healthy.

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#100ActsOfKindness The staff of D&H HOMEWORKING and covering the office have managed to get together a collection of activity toys and crafts for kids at CHANGING LITTLE LIVES. They sent out an urgent request for new items to supply to desperate parents who were struggling in COVID LOCKDOWN to keep their children occupied. Massive thank you Annette who organised this from her home office and great work from all the team in supporting her. #doncasterisgreat.

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FCA and stance on Business Interruption Wording


The Financial Conduct Authority has ordered insurance companies to pay out claims to firms “as soon as possible” or explain themselves to the watchdog.

The FCA has told insurers if there are reasonable grounds to pay part of a claim but not the full claim, they must make an interim payment.

If not, insurers must tell the FCA how they reached the decision and how it is “a fair outcome for customers”.

The move is aimed at relieving pressure on firms during the Covid-19 lockdown.

Coronavirus: ‘My business could go bust if insurers don’t pay’
“A key objective of the FCA is to ensure that financial pressures on policyholders are not exacerbated by slow payment, rather, such claims should be paid as soon as is possible,” the FCA’s interim chief executive, Christopher Woolard, told insurers in a letter.

“This is consistent with the wider objective of the authorities to support business and consumers during the current crisis.”

The letter is targeted at insurers in relation to claims from small and medium firms for business interruption cover and does not address individuals’ policies.

A spokesperson for the Association of British Insurers said: “Insurers recognise this is a worrying time for all businesses and ABI members are committed to swift payment of valid claims and interim payments to their customers.”

Mr Woolard admitted that following conversations with insurers, it was clear that most business interruption policies held by small and medium-sized businesses only had basic cover which did not include pandemics and therefore insurers had no obligation to pay out in relation to Covid-19.

“While this may be disappointing for the policyholder, we see no reasonable grounds to intervene in such circumstances,” he said.

Some firms have warned they are at risk of collapse due to insurers failing to cover losses as a result of the coronavirus lockdown.

Businessman Simon Ager who runs the Pinnacle Climbing Centre in Northampton, is one of a number of business owners who have said they might take legal action against insurers Hiscox, which has said it will not pay business interruption claims resulting from the outbreak.

Mr Ager’s policy covers the climbing centre for losses of up to £100,000 if it is forced to close in certain circumstances, although he says the lockdown is likely to cost him more than that.

Hiscox’s policy documents says it will cover financial losses for businesses which are unable to use their premises following “an occurrence of any human infectious or human contagious disease, an outbreak of which must be notified to the local authority”.

But Hiscox says the insurance industry does not have enough money to cover all the losses that will emerge as a result of the lockdown.

“Business interruption policies across the industry were never intended to cover pandemic risks,” a spokeswoman said, noting that the insurer’s lawyers do not think the pandemic is covered by its business interruption policies.

Instead, the insurer argues that the policy was intended to cover incidents that occur only within a mile of a business – not across the whole country – or outbreaks such as Legionnaires’ disease on the premises.

Read more here

The FCA said that smaller companies, classed as firms with turnover of less than £6.5m and fewer than 50 employees, could take complaints to the Financial Ombudsman.

Mr Woolard added that the City watchdog had set up a small business unit, responsible for “gathering intelligence about the treatment of small businesses by financial services firms during the crisis and ensuring a co-ordinated response by the FCA to any issues identified”.

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The Office is OPEN (Normal Hours) as essential work is needed

PLEASE DO NOT VISIT THE OFFICE UNLESS ABSOLUTELY NECESSARY. We have a minimum of essential staff on site and they are abiding by the distancing rules. Please call the office 01302 323465 if you need to book an appointment and we will discuss arrangements.
Staff are also working from home office facilities and if you wish to talk to a particular individual, please email them directly and they will come back to you with minimum delay or arrange a colleague to call.
We are working with clients, insurers and finance providers to come up with solutions around the cash flow matters that COVID 19 lockdown has challenged us with. Please email or telephone to discuss your issues.
We continue to handle new and existing claims together with changes to financial requirements. As many of our providers are also working from home and with less staff available, we appreciate that we all have to have patience as systems are not operating as efficiently as we were used to.
We appreciate your support and wish you, your families and colleagues every success in getting through this crisis unharmed.

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Government Statement re BI Cover – ABI insists very few have this cover. INSURANCE AGE

Government says insurers will cover pandemic but ABI insists this changes very little as most do not have this type of cover. Insurers will payout to firms for business interruption (BI) if they have pandemic cover and have been compelled to close due to government guidelines. Where the insurance would have kicked in if the government mandated closures it will now become active in response to the current guidelines Insurers have faced criticism, as has the government, after the Prime Minister Boris Johnson only recommended, instead of ordering, businesses close to help people avoid social contact amid the spread of the coronavirus. Related articles Covid-19: Mactavish calls on government to help insurers through crisis Finance adviser suspends broker fees Covid-19: Biba defends hiring Boris Johnson as speaker Covid-19: Software houses release continuity plans Some were concerned that BI would only kick in if the government mandated the order to close. The measure is part of a £330bn package announced by Chancellor Rishi Sunak designed to support the economy. This includes scrapping business rates for some organisations and increasing the loans available to SMEs. Claim Sunak stated in the now daily Covid-19 update: “Let me confirm that, for those businesses which do have a policy that covers pandemics, the government’s action is sufficient and will allow businesses to make an insurance claim against their policy.” He confirmed the government had reached an agreement with insurers on 17 March. Johnson said: “Insurers understand they have to pay out to those businesses.” The Association of British Insurers suggested earlier on that day that most business interruption policies would not cover firms for closures arising from the spreading coronavirus. The trade body indicated that this agreement would change very little as, unless customers have purchased the right insurance, they won’t be eligible to claim. A spokesperson said: “The Chancellor’s statement today is consistent with our statement this morning (17 March) where we said in the event businesses have the right cover, this type of notification could help make a claim. “But, as the Chancellor acknowledged, the vast majority won’t have purchased extended cover and this remains unchanged.”

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COVID 19 Restrictions

Dobson and Hodge Ltd take the health and well being of our staff, their families and our customers very seriously so we will endeavour to help in any way to work around the restrictions that have to be implemented by the Government.
Our offices on Thorne Road are open for normal business hours but staffing numbers and availability may vary due to homeworking and self isolation.
We will limit visits and work under the guidance of our customers around the urgency to handle claims and other insurance matters in person.
Maintaining our constant commitment to the highest service levels will be upheld and we hope you will understand if calls are diverted to our colleagues working from home mobiles with possible limited data and broadband speeds.
The pandemic and the restrictions may go on for some weeks and possibly months and we can only wish our customers and the general public our goodwill and hopes for absolute minimum disruption and personal suffering.