NIG Coronavirus temporarily unoccupied premises update

unoccuplied-premises

Authored by NIG

We are now into the second month of lockdown 3.0 and the Prime Minister has confirmed we are at least a further month from considering lifting restrictions.  It is at this point, under normal circumstances, that many of our Packaged products would be automatically reducing coverage for premises that remain unoccupied.  As we acknowledge the continued national effort to control the virus, we can confirm that full coverage will continue without notification for unoccupied properties that meet the following conditions:

  • The property is mandated to close according to the latest COVID lockdown rules
  • The premises are inspected internally at least once every 7 days, by or on behalf of the Insured
  • All trade refuse and waste materials are removed from the interior of the premises, with no accumulation of refuse or waste being allowed in the adjoining yards or spaces owned by the Insured
  • The premises are secure at all times, by putting all fastenings and protections, including locking devices and any alarm protection, into full and effective operation
  • The gas, water and electricity supplies, are turned off at the mains (except electricity needed to maintain any fire or intruder alarm systems, or water and heating systems for sprinklered premises)

These conditions and provisions will apply to all NIG Commercial policies.

As ever, we appreciate the efforts that businesses continue to make in order to maintain trading as well as abide by Government restrictions.  Therefore, if there are alterations required to reflect a change in trading behaviour, or if sections of cover are no longer required please let us know. For certain products Mid Term Amendments can be processed electronically.

We are here to support you and your clients during these unprecedented times and hope you find this update helpful.

 

Stay safe and look after those around you.

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About NIG

We’ve been experts in commercial insurance for 125 years.

The National Insurance and Guarantee Corporation (NIG) is a broker only insurer; we believe in getting to know both the brokers we work with and their clients’ businesses, building trusted partnerships that last for the long-term. Our highly experienced underwriting team are focused on working with brokers to identify and understand the risks faced by UK enterprises. Together, with our risk control experts and risk management tools we develop solutions to help UK enterprises reduce and mitigate key exposures. We offer a wide range of products with flexibility to create tailored insurance cover and when clients need us, claims are dealt with quickly and fairly through a proactive claims approach.

Our trading model has been designed to reflect the differing requirements of how brokers like to trade, with regional offices, National Trading Centre, National Schemes Centre, eTrade Centre of Excellence and dedicated experts for specialist sectors.

We’re investing in new technology to make us even easier to trade with. We’re launching an online risk management resource supported by our in-house Risk Control Team and introduced online claims submissions to speed up the claims process, minimising disruption to clients’ businesses. We are also the only insurer two years running with a five-star rating for both TheHub and Software Houses, in the Insurance Times 2019 and 2020 eTrade survey.

We are dedicated to making UK enterprises more resilient.

NIG is a wholly owned subsidiary of Direct Line Insurance Group plc, providing stability and financial strength. Our policies are underwritten by U K Insurance Limited.

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