Remote Working Contact Information - Click for information

In light of the Coronavirus situation we are now all working from home. We have tested our systems and are confident these will enable us to maintain our service delivery to our clients during this uncertain period. Until further notice Email is our preferred method of communication please, we are contactable by phone but would ask you use the mobile number for your usual contacts as below and not the office number:-

Coronavirus and Insurance - A Three Week Update

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It has been 3 weeks since the Government’s “lockdown” rulings came into being due to COVID-19 restrictions and despite having temporarily vacated our Birmingham city centre office, it is business as usual, a testament to our robust IT systems and dedication of our staff! The majority of firms have all but closed their doors, although this also brings new insurance related risks to consider. We have therefore put together some key points that we have been working on with clients and insurers alike over the recent weeks;

Closure of Premises – Extension of 30 Days Unoccupied Cover

Most commercial insurance policies insist that the Insurer is informed when the property is likely to be unoccupied for more than 30 consecutive days, following which additional terms are applied. Insurers have acknowledged policyholders have been forced to temporarily leave their premises unoccupied for the foreseeable future due to COVID-19 and most have extended this timescale to at least 60 days during which full cover will remain in place. However, we advise all firms to notify us of the date of closure to ensure insurers are updated before the period expires.

Closure of Premises - Property and Contents

Despite the enforced closure of premises, a policyholder must take all reasonable precautions to comply with existing policy terms and conditions to ensure cover continues. These may include:

Please get in touch with your usual Dunsby point of contact if you have any questions.

Closure of Contract Sites

The majority of contract sites will have had an enforced shutdown from 24 March, and again you do have a duty to ensure all reasonable precautions are undertaken, including wherever possible:

Management Liability Cover – Free Legal Advice via rradar

A number of Policies will have an Legal Helpline service which you can access, if in doubt please speak with us. We have arranged the majority of our clients Directors & Officers protection via a Management Liability Policy underwritten by AXA insurance, predominantly for the Directors and Officers Liability. We would remind all policyholders cover includes free of charge access to expert legal advice by rradar, which is particularly valuable for guidance and support through a wide range of Coronavirus related issues and processes that must be followed, including:

If you would like a reminder of cover or how to access the rradar services please get in touch with your usual Dunsby point of contact.

Increased Cyber Risk from Working at Home

IT system security may be less robust when staff are working from home, particularly when accessing company data from their own lap top or PC. Cyber criminals have already developed new scams linked to coronavirus and are targeting individuals as well as firms in all areas of commerce & industry. Below are just a few examples of such campaigns;

Please get in touch with your usual Dunsby point of contact to discuss risks associated with Cyber Liability.

We will continue to provide clear and topical communications, but as always staff at Dunsby Associates are available to answer any questions on the above topics or insurance related matters.

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Dunsby Associates Insurance Brokers Limited
4th Floor
New Oxford House
16 Waterloo Street
B2 5UG
0121 631 3051