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COVID19 - Important information regarding the three-tier alert system

By Helen Isacke|21.10.2020

Towergate Insurance have provided local COVID alert levels setting out information for local authorities, residents and workers about what to do and how to manage the outbreak in their area.

The information contained in this email is based on sources that we believe are reliable and should be understood as general risk management and insurance information only. It is not intended to be taken as advice with respect to any specific or individual situation and cannot be relied upon as such. If you wish to discuss your specific requirements, please do not hesitate to contact your usual advisor.

 

On Monday 12th October 2020, the UK Government announced a new three-tier alert level system was being brought in across England, enforced at one-minute past midnight on Wednesday 14th October. Scotland, Wales and Northern Ireland will have their own restrictions in place, which you can find out more about below.

 

Local COVID alert levels set out information for local authorities, residents and workers about what to do and how to manage the outbreak in their area.

Further information about these local COVID alert levels in England can be found here.

Current guidance for Scotland’s response can be found here.

Current guidance for Wales’ response can be found here.

Current guidance for Northern Ireland’s response can be found here.

If you’re unsure which tier your local authority sits in, you can find this here.

 

Towergate is here to support you

If you are unsure whether the restrictions will have an impact on your insurance cover, including whether levels of cover need to be amended, increased or reduced as a result of any changes you’ve had to make, please speak to us.

Likewise, if you are facing temporary financial difficulties, please contact us as soon as possible to discuss your options. Cancelling or reducing your policy cover is often not the right approach to take, despite the temptation to save cost, as you may find yourself underinsured should an incident occur now or in the future. We are here to help and support you.

We wanted to remind you of our free COVID-19 Hub, which includes local COVID-19 guidance for UK Businesses and workers as well as information about the new local Coronavirus alert levels across the UK. You can access the business alert and hub here: https://www.towergate.com/covid-19-updates. Our hub also includes many articles and risk alerts available for you to download and support you during this unprecedented situation.

You can find out more information regarding local restrictions on the Government’s website here: https://www.gov.uk/guidance/full-list-of-local-covid-alert-levels-by-area. Please ensure you are following the Government requirements and only carrying out beauty and hair treatments that are approved.

We understand you are likely to be concerned about the impact of Coronavirus on your business, and we wanted to take this opportunity to reassure you that your professional liability policy with Towergate Insurance covers you to work remotely. Providing you are adhering to government guidelines, in addition to being able to work remotely, face to face work will also be covered.

Please ensure that any method you use to provide your services to your clients whether that be online, over Skype, WhatsApp, or Zoom to name a few, is secure and confidential and you take all reasonable steps and precautions to prevent claims and losses occurring. This cover is automatically included with your policy and you do not need to notify us of any changes.

You can find out more information regarding local restrictions on the Government’s website here: https://www.gov.uk/guidance/full-list-of-local-covid-alert-levels-by-area.

 

If you need to speak to one of the Towergate advisers, please call 01438 735251.

We are experiencing a large volume of calls at present so you may prefer to email us. For mid-term adjustments, lapses and cancellations please email towergateprofessionalrisk@towergate.co.ukFor general enquiries please email new.pro.liability@towergate.co.uk

Towergate Insurance is a trading name of Towergate Underwriting Group Limited. Registered in England No. 4043759 Registered Address: 2 Minster Court, Mincing Lane, London EC3R 7PD. Authorised and regulated by the Financial Conduct Authority.


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