Business Interruption Claim Notification

If your query relates to a COVID-19 Business Interruption claim, you may be aware that the Supreme Court in the UK has now delivered its decision in the FCA test case. We are currently considering this decision and whether it impacts our position in relation to business interruption claims. We will be in touch to let you know as soon as possible and discuss next steps.

Contact details

Name

Telephone

Claim Details

Policy number

Date of loss

Do you have an internal claims reference?

Applicable if you are broker notifying a claim on behalf of an insured

Question set

1. Business Name

2. Has there been any damage caused to your property by the COVID-19 virus?

If yes, please provide details of that damage and what caused it.

3. Has there been an interruption to the business?

If yes, please describe the nature of the interruption.

4. Not including the general closure and lockdown instructions issued by the Government on 27th March, has a public authority specifically instructed you to not use your business premises as a result of a case of COVID-19 at/in the vicinity of your business premises?

If yes, please describe the specific restriction details. Please also provide a copy of correspondence from the Public Authority.

5. Has there been a specific incident within a one-mile radius?

If yes, please provide details including details of how you became aware of this incident.

Has access to premises been hindered or denied by a public authority as a result of this incident?

If yes, did the denial of access / hindrance in access last more than 24 hours?

6. When did the interruption to your business begin?

Is the interruption on-going?

If no, when did the interruption end?

Has the business closed / continued to trade throughout this period? Please provide full details.

7. Is the business an “essential service” or “essential retail outlet” under the Health Act 1947 (Section 31A-Temporary Restrictions) (COVID-19) Regulations 2020?

8. Have you been able to use your premises for any purpose, and, if so, please provide details of any use and any relevant dates?

9. Does the business offer or provide services offsite or away from the insured premises?

If yes, are those services continuing?

10. Are you operating from another location / are staff working remotely or from home?

11. If the premises was open would you be experiencing financial loss?

Please provide details of the financial losses you have suffered as a result of the interruption to your business? (We will ask you for further information on your losses if cover has been triggered and we do not require you to submit management accounts etc. at this stage).

If you have taken any steps to reduce your loss, please provide details.

12. Please provide any other information which you believe may be relevant to the claim or any additional information that you would like Hiscox to take into account in considering your claim.

Please attach any additional documents here

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