Covid-19 Hub

We understand this is an uncertain time for businesses and people are concerned about the impact Covid-19 will have on their organisation. Therefore, we have created this hub to support our customers so you can access all of the latest information from Insurers, including the position on cover and the risk management support available.

How to contact Pound Gates

General Enquiries - wherever possible, please make contact via email to your usual contact point or to our central mailbox: client.services@poundgates.com.

Claims - if you need to make a claim or discuss any ongoing claim please email: claims@poundgates.com

Accounts - if your query is accounts related please email: accounts@poundgates.com

Support from your Insurer

Please click on the links below for Your Insurer for their specific Covid-19 information:

If your insurer is not listed above or you have any questions that you feel have not been covered within their FAQ section, please do get in touch with your usual Pound Gates contact or email client.services@poundgates.com and we will get back to you as soon as possible.

Additional Support

If you are experiencing temporary financial difficulty as a result of Covid-19 then please do get in touch so we can explore possible options with you to help reduce your premium. Each Insurer will have different options of how they are able to help at this time. It will depend on your risk profile and how much this has changed. There may also be options available to help reduce your monthly premium if paying by instalments. Please do speak to your usual Pound Gates contact who will be able to discuss this with you further.

Business Interruption (BI) Insurance

On 15th September 2020 the High Court handed down its judgment in the Financial Conduct Authority’s (FCA) business interruption test case.

Please click here to read the full press release.

Although the judgment did bring welcome news for many businesses, the judgment did not say that the eight defendant insurers are liable across all of the 21 different types of policy wording in the representative sample considered by the Court.

The relevant provisions in the policies fell into three categories:

  1. Disease wordings: provisions which provide cover for business interruption in consequence of or following or arising from the occurrence of a notifiable disease within a specified radius of the insured premises.
  2. Prevention of access / public authority wordings: provisions which provide cover where there has been a prevention or hindrance of access to or use of the premises as a consequence of government or other authority action or restrictions.
  3. Hybrid wordings: provisions which are engaged by restrictions imposed on the premises in relation to a notifiable disease.

The court substantially found in favour of the FCA arguments on key issues and provisions relating to category 1 and 3, but, not so in the case of category 2.

The test case was subject to a leapfrog appeal to the Supreme Court.

On 15th January 2021 the Supreme Court handed down its judgment on the issues on appeal from the High Court.

Please click here to read the full press release.

The FCA will now work with insurers so that they rapidly conclude their claims processes on claims that the Supreme Court has said should be paid, providing interim payments wherever possible.

Each policy needs to be considered against the detailed judgment to work out what it means for that policy and those with valid claims will hear from their insurer soon.

Should you have any questions once you have read the full press release then please do get in touch with your usual Pound Gates contact.

Nursery Clients

If you are a nursery, please visit our dedicated Nursery website for the latest information.

Other Useful Links

Below are links to Coronavirus hubs from other organisations:

Returning to Work

Click here to access our latest guidance on Returning to Work.

Nursery Clients

If you are a nursery, please visit our dedicated Nursery website for the latest information.