Ecclesiastical Insurance has reintroduced its temporary cover enhancements as the UK undergoes a second lockdown due to the COVID-19 pandemic.
Due to the lockdown that came into effect on November 05, Ecclesiastical will extend contents cover for businesses to cover office equipment while employees are working from home until December 31, where policies do not already provide cover. The insurer also said that there will be no changes to premium and policy cover for premises forced to temporarily close their doors due to the lockdown until December 02.
To assist businesses that don’t automatically have this cover, Ecclesiastical has extended all policies to provide cover for contents temporarily moved to the homes of employees due to the COVID-19 outbreak up to a limit of £2,500 for any one item and a maximum of £5,000 per employee’s home.
According to Ecclesiastical, this means that a business’s contents insurance will cover claims where work laptops, phones and other standard technology usually stored at the office are stolen or damaged while in an employee’s home. For education insurance policies this extension will additionally extend cover to pupils’ and students’ homes.
These enhancements were originally introduced in April during the first lockdown, where many businesses closed and employees were required to work from home.
“This is an unsettling and challenging time for many families and businesses and we want to support those who are affected by the impact of COVID-19 by reassuring them their insurance will still cover them working from home during this second lockdown,” said Adrian Saunders, commercial director of Ecclesiastical Insurance.
“If customers have any questions about what’s covered under their policy, then they should talk to their broker, and we have written to brokers with details of our coverage enhancements to support them in this.”