Pubs, Hotels, Cinemas, Restaurants, Gyms – during temporary closure as a result of the Covid 19 containment measures, some businesses that service the Public may be tempted to operate without liability insurance when temporarily closed due to Corona Virus containment measures.
This may create additional problems for the business as there remains a very real risk of injury and property damage claims being brought against them.
Examples of claims that may arise:
- Employees injured while working from home (or undertaking occasional checks upon the business premises).
- Employees injured while doing essential manual work: cleaning/maintenance/ security/ grounds-persons and gardeners at hotels.
- Persons (including subcontractors) injured when carrying maintenance or upgrade work on the premises.
- Persons injured delivering or collecting from the premises.
- Injury to children or other Trespassers onto the premises.
- Injury to passers-by from building materials or fabric of the building (for example, roof tiles or signage coming loose in winds).
- Burst pipes or oil tanks damaging third party premises, even liability for the spread of fire in some situations.
- Injury or damage occurring during the closure period, caused by Products that you have supplied previously.
There may also be other obligations to Insure:
- Landlord Lease requirements.
- Liquor Licence or other local authority Licencing Requirements.
- Lender requirements.
- Protection of the Board of Directors/ Shareholder interests.
Please do speak to your Insurance broker to discover how you can retain EL/PL/Products cover during the temporary closure at a price you can afford. Don’t just cancel or let it lapse.