Our capacity provider Aviva, who back our Hotel product are here to support clients. Read their latest guidance following the third lockdown.
With regards to the property aspect whilst Aviva are not necessarily treating hotels as unoccupied during this period due to either the manager or proprietor living on site they just wanted to reassure you that they’re here to support your clients in protecting their business assets and employees for the long term, so that when it’s safe to do so, they’ll be ready to re-open.
So, by following the five simple steps below whilst closed to the public due to Government guidance, their cover will remain unaffected:
- Carrying out internal and external inspections of their building/s at least once a week.
- Maintaining a weekly log of inspections
- Immediately repairing, or arranging to repair, any issues detected (including removal of graffiti and in the security or alarm or fire protection installations)
- Removing any waste from the premises either inside or outside the building/s.
- Checking to make sure all external doors are locked and closing and securing all windows.
Government guidance allows those responsible for premises to attend them for inspections and maintenance even where they are otherwise closed. These steps will therefore remain in place until such time the Government’s guidance changes. When this happens, Aviva be in touch to let you know how this affects our current position.
Aviva do however recognise that there may be circumstances where it’s not possible for weekly inspections to be undertaken, and where this is the case, please contact your local underwriter to discuss and agree an appropriate approach. There may also be some businesses who unfortunately have to cease trading entirely during the lockdown period, and where this is the case, they’d also ask you to notify your local underwriter immediately so that they can provide you and your clients with the appropriate support.
In addition to this, Aviva continue to maintain their support for businesses who have had to change their business model to meet new lockdown restrictions or diversify their operations to respond to changing market dynamics, by taking a flexible approach and assisting them to keep trading.
They’ll also continue to support your business clients who are working from home by providing the same level of protection to businesses now having to carry out their business activities from their or their employees’ homes.
Risk Management Solutions
Through Aviva’s back to business campaign they’ll also continue to provide up-to-date guidance to support you, your people and your business. Below you’ll find some of the most relevant and timely Risk Management Loss Prevention Standards – available to you and your clients:
- Managing Change during Lockdown and the Coronavirus
- Unoccupied Premises
- Health & Wellbeing During COVID-19
- Supply Chain Management including Brexit – Be Prepared
Whilst the lockdown continues to be everyone’s main focus, Aviva also produced a Winter Risk Management Bulletin, concentrating on those risks unrelated to Covid but that are still prevalent for this time of year.