The U.K. government’s failure to issue a diktat to businesses — including cinemas and theaters — to shut down, and instead advising people to simply “avoid” social venues, has caused widespread concern that the soft directive has rendered them ineligible for insurance claims.
The International Underwriting Association states there is no one-size-fits-all insurance remedy for the current crisis, and advocates looking at the issue on a case-by-case basis. “An even smaller number will have cover enabling them to potentially claim on their insurance for the presence or impact of the coronavirus pandemic. Most notifiable disease extensions tend to cover specific diseases that will be named in the cover. If Covid-19 is not specified, then cover may not apply.”