Nursery World - Coronavirus: Nurseries not covered for 'notifiable diseases'

The Government has today formally registered Covid-19 as a ‘notifiable disease’, but nurseries are still unlikely to be covered by insurance for closures.

Most insurance policies would not provide cover if nurseries had to close because of an outbreak of coronavirus

The move follows concerns raised by small businesses, such as nurseries, about whether they would be covered by their insurance if they have to close to stop the spread of coronavirus.

Registering Covid-19 on the Government's list of notifiable diseases allows businesses to seek compensation if they are affected by the coronavirus.

However, while the Government’s aim is to reassure companies worried about their financial sustainability, if they are affected by coronavirus, it does not fundamentally change the fact that businesses will need to check the small print in their insurance policy documents.

Most insurance companies, including nursery insurers Pound Gates, will not pay out, because most policies do not include cover for notifiable diseases, or only include cover for some of them.

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