Coronavirus Liability -Tradesmen liability Covers
Broker Options Tokio Marine Tradesmen liability covers continues to protect the Insured in respect of their liability for Covid 19
Our Insurers cannot rule out any changes in the future, however, the immediate intention, therefore, is NOT to impose any blanket cover restrictions in respect of Coronavirus under our Employers’ and Public / Products Liability policies.
The only circumstances where they may consider applying an exclusion are where Policyholders:
- operate businesses that are required to remain closed, or carry out activities that are not permitted, and/or there is currently no government guidance available as to how these activities can be safely resumed;
- operate in business sectors where the implementation of procedures to mitigate the transmission / effects of the virus, is entirely outside their control;
- are unable to demonstrate that they are taking reasonable steps to ensure the safety of their employees and other third parties.
NB It is the duty of the Insured to keep updated with Government advice and in the event of a claim against them they must be in a position to demonstrate to insurers that they fully complied with updated Best advice and Law.
On 8th May 2020 the Irish government issued new guidelines on working safely during the Coronavirus outbreak which can be found here https://www.gov.ie/en/publication/22829a-return-to-work-safely-protocol/ and should be used in conjunction with https://www.gov.ie/en/news/58bc8b-taoiseach-announces-roadmap-for-reopening-society-and-business-and-u/ They include detailed guidance on how to manage Coronavirus risks and what action should be taken to prevent the spread of the disease in the workplace.