NIG Update – COVID-19 Forced Unoccupancy

With many businesses now vacant for Lockdown Two, NIG highlight their stance on unoccupancy for their insurance policies.

Unoccupied Premises For policies with Unoccupied Premises provisions already embedded in the policy wording, standard terms and conditions will apply. However, for policy wordings that require immediate notification we can confirm cover will continue without the need to notify ourselves if the premises are required to close due to the new lockdown until 00.01 hours 2nd December, subject to the insured being able to comply with the following conditions:   The premises are secured by putting all protective locking devices and any alarm protection into effective operation. Gas, water and electricity supplies at the mains being switched off (except electricity needed to maintain any fire or intruder alarm systems, or water and heating systems for fire sprinkler systems). The insured or their representative visiting the premises every seven days and immediately carrying out any work necessary to maintain the security of the premises. Removal of all post, trade refuse and waste materials from the interior of the premises, allowing no accumulation of refuse or waste in the adjoining yards or spaces owned by the insured.

Source – NIG Covid-19 Update 5th November 2020