The following is a joint statement from Pound Gates and Ecclesiastical Insurance Office plc
We understand this is an uncertain time for nursery operators and people are concerned about the impact Covid-19 will have on their organisation. In common with most of the UK insurance market, the Pound Gates policy provided by Ecclesiastical specifies a list of illnesses and is designed and priced to cover standard risks, not those that are unknown or unquantifiable, such as the effects of Covid-19. We are aware that some insurance providers in the sector are offering some level of cover but the position under our policy remains unchanged.
For the sake of clarity, our cover position is:
Business Interruption – there is no cover under the specified diseases extension as COVID-19 is not one of the specified diseases we cover (refer to page 48 of the policy wording). Our Business interruption cover for non-damage prevention of access also excludes prevention of access caused by infectious disease (refer to page 45 of the policy wording). This means there is no cover for loss of income where nurseries are forced to close by the government or local authority.
Liability – subject to the terms and conditions of the policy, Employers’ and Public Liability policies provide an indemnity to the policyholder if the policyholder is held legally liable for accidental bodily injury or illness arising in connection with the policyholder’s business.
Whilst we are not able to change the position on policy cover we have produced the following guidance outlining the support available to you during these difficult times:
Support from Pound Gates and our partners
- Legal advice – if you need legal advice on matters affecting your business, including employment or contract issues, you can access free professional legal advice through our legal helpline 24 hours a day, 7 days a week. For more information call the helpline on 0333 000 7920.
- Counselling assistance – our qualified counsellors will provide free confidential support and advice by phone to your employees or their family members who are suffering from emotional upset or feeling worried and anxious about a personal or work-related problem. The helpline can be contacted on 0333 000 2082.
- Crisis communication – under the legal expenses section of your policy, we can provide ‘crisis communications/PR’ support should your nursery be subjected to negative media coverage. This service is subject to you having sought and followed advice from our crisis communications helpline and to the cover provided by the policy wording (refer to page 116 of the policy wording). You can contact the helpline by calling 01344 571 7964.
- Risk management guidance – to help you prepare for a disease outbreak, we have developed a simple 10 minute business continuity self-assessment tool to highlight the issues you need to consider, which you can access here.
The government has outlined a package of support available to businesses, including a business interruption loan scheme, tax help and a commitment to refund up to 14 days of statutory sick pay. For full details of the support available please visit:
We understand that our position on policy cover for Covid-19 will not be welcome news for you but we hope that this statement has helped to provide clarity on our position. We have prepared a set of Frequently Asked Questions relating to Key Workers which you can access here.
If you do have any questions you feel we have not covered in this statement please contact our Nursery Support Team on 01473 346118 or by email at email@example.com.