Updated 19th March 2020
The information provided below relates solely to policies underwritten by DOA on behalf of various insurance companies. The policies can be identified by the policy number commencing with the letters 'DOA/…'.
Information for Policyholders
If you are an existing DOA policyholder and are unsure if your policy with us will respond to claims relating to Covid-19, please contact your insurance broker who will be able to provide you with further guidance based on your individual circumstances.
Information for Insurance Brokers
We are not set up to handle claims directly with policyholders. Our policies request that any potential claims are first reported to the insurance broker who sold the policy. If a policyholder is unable to contact their insurance broker, we shall log any notifications made directly to us and inform the relevant insurance broker to contact their client.
If a policyholder wishes to submit a claim, please ensure full details of the circumstances affecting the business are included along with substantiation of any interruption or interference with the business. At this stage we appreciate most enquiries relate to the ongoing interruption or interference with the business on the advice of the government, as such, it is important that any policyholders capture detailed information to support any claim during this time.
We do not currently have any official response from our insurance providers as to how they shall respond to claims relating to Covid-19, however we can provide some general advice as follows:-
1. Notifiable Diseases
Where included, most business interruption covers include an extension for interruption or interference in consequence with an occurrence at the premises of an infectious disease. In most cases, the policies refer to a specified list of notifiable diseases, and therefore no cover would be provided for Covid-19.
The following DOA policies have an extension in respect of notifiable diseases, however they specify the notifiable diseases included and would not respond to a claim relating to Covid-19:-
- Commercial Combined
- Retail Package
- Residential & Commercial Property Owners
The following DOA policies do not specify a list of notifiable diseases:-
- Dry Cleaners
2. Denial of Access
Where included, most business interruption covers include an extension for interruption or interference in consequence with damage to property in the vicinity of the premises which hinders or prevents the use of or restrict access to the premises. As damage must have occurred (such as fire), such extensions will not respond to a claim relating to Covid-19.
In some circumstances, denial of access extensions are extended to include non-damage denial of access, usually on the request of the policyholder and subject to payment of an additional premium. Where a policyholder suffers interruption or interference with the business in consequence of Covid-19, it is possible the policy would respond to a claim depending on the specific wording.
The following DOA policies include an extension for non-damage denial of access:-
- Retail Package
It is important to check each individual policy schedule and wording in order to provide the correct advice to your policyholder.
Our policies are underwritten by DOA on behalf of three different insurance companies. In the event of a claim, the details will be reviewed on an individual basis by the insurance company or their appointed representatives.
We appreciate your patience during this unprecedented time and will endeavour to maintain our usual high standards of service when responding to all enquiries or claims relating to Covid-19.