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
- Care homes and Domiciliary care are increasingly at risk of being refused cover
- Many insurers are refusing COVID cover for Public and Employer's liability
- 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
