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 remains, 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 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.

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.

Customers should review these items regularly and take appropriate action.

How to get in touch

Contact us

If you still have any questions, you can call us for support.

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