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Corona Virus added to ‘Notifiable Diseases’ under Health Protection (Notification) Regulations 2010

Welcome news to business the Government adding ‘COVID 19’ to the list of ‘Notifiable Diseases‘ under the Health Protection (Notification) Regulations 2010 on 5th March meaning any Commercial insurance policies with an ‘Infectious Diseases’ extension to ‘Business Interruption’ section that is defined by the Regulation will now be triggered.

Depending on the policy wording, the extension typically covers financial losses stemming from an occurrence of a ‘Notifiable Disease‘ within a 25 mile radius of the premises. It is important to remember that the losses need to be quantifiable and demonstrable, which as we saw in 2003 during the SARS outbreak in Hong Kong, is not straightforward. Damian Glynn, head of financial risks at Sedgwick discusses common problems encountered in Insurance Business.

For more information on COVID 19, insurance impacts looking at typical policy extensions and exclusions, practical steps for managing and quantifying loss, we recommend you read a report released by insurance Loss Adjusting specialists Crawfords which you can do hereĀ 

#insurance #covid19 #businessinterruption #infectiousdiseases #claims

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Johnson Insurance Services is a trading name of Johnson Insurance Services Ltd which is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference no. 784664. Johnson Insurance Services Ltd is registered in England & Wales no. 10822509 at Commer House, Tadcaster, North Yorkshire, LS24 9JF