Most likely COVID related claim types:-

  • Business Interruption
  • Negligence/Infection due to

Be aware of staff being able to claim against you for them getting infected in the workplace.
Don't expect a business interruption claim to be easy, most insurers are refusing claims due to "Forced closure of business by authorities"

Post-COVID Insurability Risks

  1. Care homes and Domiciliary care are increasingly at risk of being refused cover
  2. Many insurers are refusing COVID cover for Public and Employer's liability
  3. If you are formally refused cover, you will have immense difficulty getting any cover from anyone else

Add extra focus on prevention measures, daily safety and reasonable precautions