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Welcome to the smei Novel Coronavirus (COVID-19) resource centre. Here you will find all of our guidance relating to the virus. This area is updated as we release new content.
We are currently reviewing the ruling to help support our clients. We appreciate that you may have questions however, we ask for your patience until we are able to respond to you directly.
If you are a customer with ARO and have a Retail Package policy, the article has further information about the FCA Test Case on Business Interruption Insurance.
For those who are still operating, there are several ways you can adapt, regroup, and get through the rocky months into what will, hopefully, be a better 2021.
Apologies if you haven’t been able to get through to us at this busy time - we will answer your calls as soon as possible. Alternatively, please email customer.services@smeinsurance.com.
While many firms plan for emergency situations that impact business continuity; most are not prepared for the prolonged impacts.
Social distancing and lockdown measures have forced most businesses to close down their offices for the foreseeable future. However, the risk of cyber-threat is still very prevalent.
It is likely that hospitality business owners including restaurants and bars will not be covered by their insurance if the government decides to impose a complete lockdown on the hospitality.
Find advice on how to mitigate risks of the Coronavirus, if your insurance policies might cover you and how to prepare for a claim.
As the coronavirus crisis affects our lives, a very practical question arises. What do these additional pressures mean for the commercial property and real estate market?
Information that will help you to prevent a breach of your insurance cover.
We've collated the most frequently asked questions to provide you with the answers you need to manage your business throughout these uncertain times.
Marsh (our parent company) has provided a submission to the FCA in support of policyholders advancing claims principally under non-damage BI extensions i.e. notifiable disease.
Businesses in the food and drink sector face a range of unprecedented challenges - and there are a range of measures in place to help firms navigate these pressures.
At a time when we should expect the unexpected more than ever, maintaining your business insurance cover is as important as it ever was.
For restaurants, bars, pubs and cafés across the UK, enforced closure in the face of the COVID-19 crisis has created unprecedented challenges and uncertainty.
How the hairdressing industry is reopening after lockdown. What challenges will these ‘close contact’ businesses face, and how will the new normal take shape?
Iain McIntosh, owner of Salon M[ii] in Wallasey, Wirral explains how the lockdown has affected his business and the challenges ahead.
Businesses of all shapes and sizes are facing new unprecedented challenges. But what does that mean to how you manage your business?
How the hospitality industry is reopening after coronavirus. What new challenges will the hospitality sector businesses face, and what will the new normal look like?
With COVID-19 infections on the rise, restrictions tightening, and localised lockdowns in place across the country, shops, bars, restaurants not already affected should plan ahead now.
As the UK is mid-way through an enforced second lockdown, we look at how pubs and bars can start planning ahead now.
Could this be the tipping point for digital health care, especially for such recent innovations as telehealth, which allows us to consult directly with health care providers via a computer.
As the Novel Coronavirus (COVID-19) outbreak continues to spread it’s understandable that businesses are concerned throughout the UK and the World.
With government restrictions significantly affecting retail and hospitality businesses, there are a number of important considerations to keep in mind.
How Planning, Reassurance, and Co-operation Can Help Independent High Street Stores Recover.
If you're self-quarantining or practicing social distancing, it is essential that you consider how you can maintain your mental wellbeing.
As tradespeople look to ease their way out of lockdown, before cancelling or reducing insurance cover, consider the risks that affect your trade.
While many firms plan for emergency situations that impact business continuity; most are not prepared for the prolonged impacts.
With the Government introducing further measures to ensure that people stay at home, it has never been more important for your business to develop a work-from-home strategy.
How high street food and drink businesses are reopening after lockdown. What new challenges will the businesses face, and what will the new normal look like?
Due to the ongoing Coronavirus outbreak, the government has delayed IR35 for 12 months.
Tools like Zoom and Microsoft Teams have quickly become the new normal. Managers now face a fresh set of challenges as everyone transitions to the reality of working from home.
The CQC are taking measures to assist care providers by changing the way they work to ensure they continue to help support the healthcare industry during The COVID-19 pandemic.
Following specific guidance issued by the government, many businesses are now encouraging their employees to work from home where possible.
With Coronavirus ‘Stay Home, Save Lives’ regulations in full swing, many people are turning to the internet for activities they would normally do out of the house.
The World Day for Safety and Health at Work 2020 is to focus on the outbreak of infectious diseases at work, focusing on the COVID-19 pandemic.
Unlike the original lockdown in Spring 2020, very few insurers have allowed any flexibility in respect of temporarily closed premises, and have adopted the stance that their normal unoccupancy T&Cs.
Apologies if you haven’t been able to get through to our dedicated phone lines due to increased call volumes. Please bear with us at this busy time and we will answer your calls as soon as possible. Alternatively, please email customer.services@smeinsurance.com.
If you do need to make a claim please consult your policy wording for your insurer's contact details.
Unlike the original lockdown in Spring 2020, very few insurers have allowed any flexibility in respect of temporarily closed premises, and have adopted the stance that their normal unoccupancy T&Cs.
Posted 29/01/2021
For those who are still operating, there are several ways you can adapt, regroup, and get through the rocky months into what will, hopefully, be a better 2021.
Posted 13/11/2020
As the UK is mid-way through an enforced second lockdown, we look at how pubs and bars can start planning ahead now.
Posted 13/11/2020
With COVID-19 infections on the rise, restrictions tightening, and localised lockdowns in place across the country, shops, bars, restaurants not already affected should plan ahead now.
Posted 14/10/2020
If you are a customer with ARO and have a Retail Package policy, the article has further information about the FCA Test Case on Business Interruption Insurance.
Posted 27/07/2020
Iain McIntosh, owner of Salon M[ii] in Wallasey, Wirral explains how the lockdown has affected his business and the challenges ahead.
Posted 22/07/2020
How high street food and drink businesses are reopening after lockdown. What new challenges will the businesses face, and what will the new normal look like?
Posted 06/07/2020
How the hospitality industry is reopening after coronavirus. What new challenges will the hospitality sector businesses face, and what will the new normal look like?
Posted 05/07/2020
