From our insurance company:

Premises temporarily closed solely due to COVID-19:

To ensure customers are not unduly penalized for temporary closures solely due to the restrictions imposed as a result of the COVID-19 pandemic, we will not exclude damage to buildings and contents at locations which have become silent. In addition, for locations which have been temporarily closed following the restrictions associated with COVID-19 there will be:

•            no reduction in the level of policy cover
•            no increase in deductibles
•            no increases in premium 

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