The ABI has recently provided the following advice on their website:
“If a business has to temporarily close because of Covid-19, where customers are taking the appropriate steps to mitigate the risk of damage to the property whilst unoccupied, insurers will be flexible around the period of unoccupancy specified on the policy document.
Policies will often include conditions that are intended to ensure good practice in protecting buildings of damage caused by the risk of fire, theft and escape of water, which are often increased when a building is empty. It is important that business owners continue to follow risk management advice and ensure they understand what steps they need to take."
Customers should therefore notify their insurance broker of their unoccupied status, (depending on the individual business circumstances) as soon as possible.
If there are any specific requirements as part of your insurance contract that you are unable or unlikely to be able to comply with, such as on-site security you must let us know.