We address the issue of non-damage related denial of access below.

Unfortunately, a standard business interruption policy does not cover you for the losses relating to the impact from COVID-19. technical Bulletin Notwithstanding this: ... 5.2 denial of access non daMage Some Business Interruption sections include a Denial of Access (Non Damage) extension (limits tend to be lower than for Damage) — These tend to cover restrictions imposed by police or other competent authority due to dangers in the vicinity (or within a set distance e.g. However this is not true of other terrorism polices, and some policies have left businesses without cover for the economic damage they face. Business interruption policies protect the cash flow and profits of the business. Policies are usually arranged on a gross profit or gross revenue basis. Business Interruption Insurance. a requirement that the access to the premises is hindered or prevented as a result of the action or order of the police or relevant authority. However, at the time of writing we looked at some of the limitations that the current scheme had. Their Terrorism policy can be extended to include Denial of Access should business interruption occur because of an incident (causing any property damage) within 250m of their insured property. We blogged in June 2018 about Pool Re – a Government backed solution specifically designed to cover terrorist acts designed to overthrow or influence the Government. The aim is for the insured to be placed into the same position after the loss that they would have been in if the loss had not occurred - this means the claim is adjusted to take into account general business trends. The standard denial of access extension available to the insured seeks to overcome this issue by focusing on damage in the "vicinity" as the trigger. The standard cover is designed to respond to losses due to damage to property following say a fire or flooding. A standard All Risks Property policy will not respond to business losses arising in situations where there has been no physical damage to the insured's property. Denial of Access - Extension This clause applies to the Business Interruption Insurance section of this Policy The insurance is extended to cover loss as insured by the Policy resulting from prevention or hindrance of access to or use of the Premises in consequence of Damage (as insured by …



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