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Coronavirus FAQs

As a dedicated professional insurance intermediary, our role is to support our clients at every level and provide experienced advice and guidance, as well as assisting with claims on your behalf. 

The situation with regards claims as a result of COVID-19 is evolving daily. While some claims such as ‘travel’ are fairly clear cut, there is still a huge amount of discussion surrounding business insurance, particularly Business Interruption claims.

It remains the case that the majority of Commercial insurance policies contain clear exclusions of disease / pandemic incidents. However we have ascertained and it has been widely reported in the press, that certain insurers’ policy wordings are ambiguous and would suggest that there is some cover.

Please rest assured that, on your behalf, we are closely monitoring the situation, and actively challenging the Insurers positions where we feel there is ambiguity that could be interpreted in our Clients interests.  We will continue to present and support claims on our clients’ behalf. However we do not wish to give false hope either and our FAQs give most insurers’ current stance.

As with all incidents / occurrences which might give rise to an insurance claim, you should advise us at the earliest possible point to discuss matters, so that we can then notify insurers, even if, in the end, the matter does not lead to a claim. As ever, if you would like to discuss your cover then please do not hesitate to contact your usual member of the team. Direct dial phone numbers on our email signatures are diverted to our team members’ mobile phones and our staff continue to work from home with secure access to records.

There continues to be some support from the Government and other agencies and some useful links are included at the end of this email.

 

Business Interruption insurance

Unoccupied properties

Working from home

Fleet and Car Insurance

Travel insurance

Engineering Inspection (Statutory Inspection)

Construction Insurance

Can I have a premium break/holiday?

 

Other useful websites:

The announcement on the Gov.uk website lists the various measures available and who is administering them. It is comprehensive and updated as they add additional measures:

In particular there are grants and business rate relief measures that will be administered via Local Authorities e.g. Leeds Local Authority is signposting people to the LEP for triage to increase support across multiple issues.

The ‘business interruption’ loan scheme (up to £5m in loans) will launch soon and will be delivered through the British Business Bank and lenders.

A scheme involving the Bank of England include a term funding scheme aimed at SMEs delivered via the banks. Ask your bank about support.

Details in another scheme involving the Bank of England for larger firms are here. 

There is also a market notice explaining how the facility will work here. The Bank will publish a dedicated webpage for corporates seeking to use the CCFF as soon as possible.

The Association of British Insurers have issued a statement on business insurance, trade credit, income protection and pensions and investments here.

Visit Britain/Visit England have a dedicated COVID-19 webpage with the latest updates and key links for businesses and industry here.

Anyone involved with charities visit here.

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“TL Dallas has provided trade credit insurance for the last 10 years, which has bought great peace of mind, whilst supporting the company’s growth. The TL Dallas team ensures that ACS can secure credit insurance cover for new and existing customers, as well as giving the best advice on slow payers and claims. They have recently helped with an appeal regarding the payment of a claim, helping with cash flow. The pride they take in their work is truly inspiring going above and beyond. Thank you for everything you have done and continue to do for ACS."
Leanne CleghornACS Technology Group Ltd
“We have dealt with TL Dallas for many years and have always found the staff to be very helpful and professional in all that they do. They are able to provide specialist knowledge and a bespoke service tailored to our specific needs, and the fact that they have an office on Shetland is a huge positive.”
Gary SpenceLHD Ltd - Lerwick
“Truly a job well done and really appreciate all the discussions on our behalf.”
“I have been most impressed by the customer service from TL Dallas when a problem was discovered in the bathroom of a property which I own, and which is rented out. They were very patient when personal issues caused a delay in a quote coming to them and again when there was a delay with the invoice. We also couldn't be more delighted with the swift payment of our claim by the claims handling team at Aviva.”
“Just a brief note to say how grateful I am for all your help sorting out the hotel policy this year. Over the years I have valued your cooperation in getting not only the most appropriate cover but at the best price.”
“I immediately recommended TL Dallas given the experience and the excellent service levels we have enjoyed at our company.”
“Three generations of Whitby Morrison have worked with TL Dallas for insurance needs. The support and service received just gets better year on year. The team are always on hand to offer guidance and advice whilst scouring the market for the perfect balance between price and product.”
“As a business we have worked with several members of the TL Dallas team, and yet it always feels like you’re dealing with the same person. The transition is always seamless, and their customer knowledge is second to none. As a client, you really do matter to them.”
"Whether you’re an established business, just starting out, publicly or privately owned, TL Dallas will take care of your every need, product, and price.”
Ed Whitby
“I just wanted to say once again how impressed I always am with your team – no matter who I speak to – and I think that’s very special. Your team are always excellent with their service and we always tell as many people as possible about you! I just wanted to pass this on, as you are clearly doing something very right and have been for a long time!”
“Thank you for your excellent service over the years.”
“Thank you so much for all your help and ongoing advice. It is so good to have someone advising us who is local and has so much understanding, not only of the business, but all the other influencing factors, as well and who totally understands what our business needs.”
Mary SharpShetland Control Systems Ltd
“TL Dallas has offered us consistent, transparent, and clear advice over the years. A trusting partnership was established from day one and we feel assured that we have value for money alongside the cover we need, which in turn gives us peace of mind.”
James RycroftManaging Director, Vida Healthcare.
We have been dealing with TL Dallas for over 30 years and have always found them to be efficient. They have created insurance policies that are tailored to our needs, which has helped us evolve the company. Like every business, you only find out how good an insurance company is when you need to make a claim. This has been effortless when this has occurred and I strongly recommend TL Dallas for your insurance needs.
Peter DurkinManaging Director, Mini Gears (Stockport) Ltd
We are so grateful that you helped to resolve a situation that was causing us great concern. After being badly let down by our previous insurance provider, and after seven months of emails, phone calls and lost documents, we decided to try elsewhere. After only one week of contacting TL Dallas, we had our policy sorted and at a much lower price, which in this current economic climate makes a huge difference to us. Your professionalism and knowledge of the Social Care Sector is second to none and we are so pleased that we took the decision to move to TL Dallas. We will definitely be recommending TL Dallas to our colleagues within the care sector, and we look forward to a long and enduring working relationship as we move our business forward.
Phoenix Day Care CICAdult day care provider
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