COVID-19 support and advice: Business insurance policies

Everything you need to know, including the FCA Business Interruption Test case

As the COVID-19 situation develops, we’re doing all we can to support you when you need us, while keeping our people safe.

To help with any concerns you may have about your business insurance policies with us, we’ve put together the following information.

Latest COVID-19 update

Business Interruption (Income) FCA Test Case Update

On 1 May 2020, the Financial Conduct Authority (FCA) announced that it intended to obtain a court declaration to resolve uncertainty around whether certain non-damage business interruption insurance policies provide cover for losses arising as a result of COVID-19.

Although Aviva is not a party to the FCA Test Case, it may affect policyholders insured under some business interruption policies that we provide cover for. Aviva fully supports the FCA Test Case process, and the greater clarity and certainty that it will bring for policyholders and insurers so that valid claims can be paid as quickly as possible.

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.

We will provide you with a further communication 30 days prior to this cover ceasing.

Managing your payments

If you are having trouble paying your monthly premiums, please contact us. If your policy was arranged by a broker, please contact them.

If you need free impartial advice to help with your finances please visit

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. For COVID-19, 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 that include COVID-19.

With the situation and government advice changing rapidly, customers should review these items regularly and take appropriate action.

Postal Document Requests

If you have recently requested postal documents, in view of the current situation and keeping our staff safe, there may be an extended time between requesting and receiving documents.  If you are a Direct customer, to view and download a digital copy of your documentation please login here.

How to get in touch

Contact us

If you still have any questions, you can call us for support. If you do need to call us, waiting times may be longer than normal during these uncertain times.

See our business insurance contact us page


COVID-19 support for other business products

Workplace Savings & Retirement

Business Health Insurance

Payment deferral available

Group Protection

Defined Benefit Solutions