Government restrictions mean many businesses have closed temporarily which can result in buildings currently being left unoccupied.

If your insurance policy has unoccupied / security conditions and the property was unoccupied prior to the COVID-19 outbreak, then the usual security conditions required by their insurer are the same as before. These conditions may include among other things weekly visits, removal of combustible waste, switching off gas, water and electricity and letterboxes sealed.

You should refer to your policy wording for the exact requirements defined by your insurer.

For premises that have become unoccupied during the COVID-19 outbreak due to Government restrictions, a number of insurers are relaxing their policy requirements for the time being. During this period, insurers will continue to review their position.

You should contact us immediately if:

• The outbreak has left you unable to comply with the policy requirements, as your insurer needs to be informed and any arrangement with your insurer to relax or vary the requirements needs to be agreed in writing.
• The table below includes a summary of the unoccupancy position where we have obtained responses from insurers. If the insurer in question is not listed in this table, please contact us for more information. If the insurer is listed, please check their occupancy position and if your property is going to be left unoccupied for more than the total consecutive days then you MUST notify us.

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