Aqueous business insurance and unoccupied premises during coronavius

David Woodfield
By David Woodfield, Chief Growth Officer

June 26th 2020

Last updated July 16, 2020

Now the government has started to lift some of the lockdown restrictions, you might be able to re-open your business. On the other hand, you could be among those business owners who are still unable to reopen, maybe because of personal circumstances or because of the industry you work in.

Whatever your current circumstances, please read the following information to make sure you know exactly where you stand regarding your current Aqueous insurance policy and highlight some of the conditions you need to be aware of.

Even if you’ve already re-opened and your policy cover remains unaffected, we recommend you read over the statement of fact provided when you bought your policy, to make you can comply with the policy terms and conditions.

Please contact us if:

If you are still closed as a result of Covid-19, either due to enforced Government lockdown or you are choosing to remain closed for the time being, you will need to inform us of this as soon as possible. You don’t have to contact us for any of the other reasons detailed below.

You can contact us by either:

You do not have to contact us if:

If you are still using your premises more than twice a week for clerical, logistical or maintenance purposes by you or your employees your cover will remain in force and insurers will deem your property to be occupied, you do not need to notify us if this applies to you. Customers should keep a record of such visits as described above prior to being able to operate in a usual manor. 

You also do not to contact us if you are open and trading as normal.

We hope you, your employees and your business stay safe, and should anything change regarding the information above, we’ll be in touch.

For updated government advice please see here https://www.gov.uk/guidance/working-safely-during-coronavirus-covid-19.

Bionic Financial Services Limited. Registered in England & Wales Registered No: 07548195 Registered company address: 4th Floor, The Minster Building, 21 Mincing Lane, London, EC3R 7AG Bionic Financial Services Limited is authorised and regulated by the Financial Conduct Authority.