Events continue to move fast as the Government and public health authorities act to try and slow the spread of coronavirus.
With the advice and restrictions constantly changing, we have taken steps to ensure we can continue to serve you, efficiently and effectively, as the situation develops.
These are exceptional times which demand an exceptional response. We are now seeing this with the Government taking much more assertive action to tackle the threat to our health and the economy.
We are all having to adapt.
What we are doing to help
As you might expect, RBIG have acted swiftly to protect the health of our staff, their families and the wider community.
In doing so we have put in action our business continuity plan that also ensures we can continue to serve you. We understand that this crisis means you may rely on us more than ever for advice and support.
Please be assured we are here for you.
All of our executives are now working remotely, with full access to our client systems. This means you can still contact your account executives and managers using the telephone numbers and email addresses you normally use.
Coronavirus and your policy
Understandably, a significant volume of enquiries we are currently receiving concern cover issues relating to coronavirus.
We are in particular being asked if the impact of the virus is covered by business interruption insurance.
Business interruption insurance
Unfortunately most standard business interruption policies do not provide cover. They are primarily designed to offer cover against physical property damage which prevents trading.
If you are unsure if you are covered, in the first instance we would advise you to check your policy wording. If you still have questions then please do not hesitate to contact your account executive, by telephone or email.
Making a claim
If you need to make a claim our dedicated claims team remain on hand to help.
Full details of how to make a claim can be found on our Claims Information page, but again your account executive will be your first port of call.
If you are involved in the haulage, freight or cargo trades and are being called upon to ease supply issues, you may wish to review your goods-in-transit cover.
With retailers keen to replenish stocks in the face of unprecedented demand and delivery restrictions duly relaxed, you may have changed your operating patterns.
If you are making more frequent deliveries, or carrying larger loads, you should make sure you review your cover limits to ensure you are not under-insured.
If you think you may need extend your cover, or have any questions or concerns, please contact your account executive who will be pleased to advise.
Anything else we can do?
We appreciate that UK businesses have not for a long time, if ever, faced such a huge challenge.
There are no easy answers. All we can do as your business insurance broker is be there for you when you need us.
If you need to amend, renew or claim against your policy, we'll be here.
If you have any pressing concerns or queries, we're here.
Remember, you can contact us, as usual, using the switchboard, departmental or direct lines and email addresses previously provided.
In the meantime, tough as it is, please follow government advice, reduce your risk and that to others and please stay well