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How the current government work-from-home guidance may affect your property insurance and what you need to do now

How the current government work-from-home guidance may affect your property insurance and what you need to do now

If you arrange your insurance through us and your property or any of your regular business premises are unoccupied following the government’s recent guidance to work from home where possible, then you must inform your CLEAR account executive as soon as possible. Likewise, you must also let us know if you or your tenants have substantively changed the pattern of occupancy that you disclosed previously. 

Some examples of these changes 

  • Part occupancy or complete vacancy of the premises during the working week 
  • Changes to the opening times of business premises 
  • Weekend occupancy (if not disclosed already)
  • The subletting of any premises to a third party
  • In the case of multi-tenure properties, details of any vacant units or properties. 

Have you changed your business activities? 

You must also inform us if you or your tenants have changed or diversified your business activities so that we can inform your insurer. This also applies to any business activities that you may have ceased. 

What Happens Next? 

 Once you've contacted us, we will notify your insurer of any changes to your property's occupancy so that you can remain fully compliant with your policy's rules of disclosure and so that changes to your cover can be made where possible. 

Remember, we're here to assist you, however we can. So, please don't hesitate to speak to your CLEAR account executive, if you have any questions about your property insurance. 

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