Insurance

Businesses that have cover for both pandemics and government-ordered closure should be covered, as the government and insurance industry confirmed on 17 March 2020 that advice to avoid pubs, theatres etc is sufficient to make a claim.

Insurance policies differ significantly, so businesses are encouraged to check the terms and conditions of their specific policy and contact their providers. Most businesses are unlikely to be covered, as standard business interruption insurance policies are dependent on damage to property and will exclude pandemics.

West House 

King Cross Road, Halifax, HX1 1EB

halifax@bm-howarth.co.uk

Tel: 01422 352517

Townend House 

Springwell Court, Leeds, LS12 1AL

leeds@bm-howarth.co.uk

Tel: 0113 235 0066

Metic House

Ripley Drive, Wakefield, WF6 1QT

wakefield@bm-howarth.co.uk

Tel: 01924 866020

ICAEW Firm No. C001073199