To help with any concerns you may have about your business insurance policies with us, we’ve put together the following information.
Information and support relevant to COVID-19
On 15 January 2021 the Supreme Court gave its judgment on the FCA Test Case which was brought with the aim of resolving the contractual uncertainty around the validity of many Business Interruption claims. Although Aviva was not a party to the FCA Test Case, it may affect policyholders under some Business Interruption policies we provided cover for.
For more information about the FCA Test Case and what it means for Aviva policyholders, click here.
Working from home
We are committed to enabling our customers to continue working and for some it does mean the need to work from home, be that you as the business owner or your employees at their homes.
Aviva will automatically extend your existing policy cover to provide the same level of protection you currently enjoy whilst you and your employees carry out your normal business activities at home.
This extension applies to the following covers where insured under your existing policy
- Business Equipment
- Employers’ Liability
- Public Liability
Your existing policy terms, conditions and exclusions remain unaltered and apply to cover at your and your employees’ homes.
This cover is provided at no additional charge.
Managing your payments
If you are having trouble paying your monthly premiums, please call us on 0345 300 7637*. If your policy was arranged by a broker, please contact them.
If you need free impartial advice to help with your finances please visit https://www.moneyhelper.org.uk/en
Employers’ and Public Liability
Our Liability cover provides protection against our customers’ legal liabilities to their employees or the public. This includes liability for bodily injury, which encompasses illness (including resulting death). ‘Illness’ is not defined and so could include COVID-19 in a situation where a policyholder has breached their duty of care and that has caused a person to contract the disease.
A breach of duty of care could arise if a customer fails to follow government guidelines or advice regarding safety at work or travel. This could include:
- Sending an employee to an area affected where the FCDO have advised against all but essential travel.
- Not providing essential equipment or guidelines for adequate sanitation.
- Making an employee come to work after they have travelled in an affected area, leading to others being exposed to the virus, whether employees or the public.
To avoid scenarios like these, customers should make sure they have an up-to-date risk assessment and business continuity plan, plus updated health and safety guidelines.
Customers should review these items regularly and take appropriate action.
*The cost of calls to 03 prefixed numbers are charged at national call rates (charges may vary dependent on your network provider) and are usually included in inclusive minute plans from landlines and mobiles. For our joint protection telephone calls may be recorded and/or monitored.
How to get in touch
If you still have any questions, you can call us for support.