Ecclesiastical Unoccupancy Terms & Conditions

Temporarily Closed Premises Condition
Temporarily Closed means premises temporarily closed solely due to the COVID-19 outbreak (and such premises will not be regarded as unoccupied as defined in the Policy).

  • It is a condition precedent to liability that in respect of Temporarily Closed premises
    (1) where there will be no need to re-enter the premises during the period of temporary closure you must turn off electricity gas and water supplies at the mains (and where reasonable to do so drain down water systems) other than those services required to maintain
  • critical business infrastructure required to allow the continuance of the organisations operations and support temporary home working arrangements
  • intruder alarms
  • fire alarms
  • sprinkler installations
  • other fire suppression security or other risk protection systems or devices
    (2) you must maintain in full and efficient working order and keep operational all
  • alarms
  • sprinkler installations
  • fire suppression systems
  • locks and all other protective and security devices including gates and other perimeter security protection at the premises
    (3) where water systems have not been drained down and / or where there is a sprinkler installation you must maintain the central heating system to prevent freezing and
    i. the sprinkler system should be inspected to ensure it is operating correctly whenever such buildings are inspected
    ii. the temperature throughout the building must be maintained at not less than 7 degrees Centigrade (45 degrees Fahrenheit)
    iii. where annual servicing and maintenance is due the sprinkler system must be serviced and maintained as soon as circumstance permit by an appropriately qualified engineer
    (4) you must
    i. remove all internal waste and
    ii. position all external bins as at least 5 metres from the buildings (or otherwise as far as possible where this is not possible) and secure the bins in position where this is possible
    (5) Provided any travel required to carry out an inspection is in line with the latest government advice you must undertake an internal and external inspection of such buildings at least every 7 days and
    i. rectify as soon as is reasonably possible any defects in the fabric of the building or any protective or security devices or installations
    ii. maintain a record of inspections including the remedy of any defects
    iii. remove accumulations of post from the letterbox during each inspection and take any other action to ensure the premises cannot be easily identified as unused or closed down
    Where government travel advice does not allow the necessary travel to complete an inspection the need for an inspection is deferred until travel restrictions are lifted to a level that allows inspections to re-commence
    (6) you must put in place contingency plans in case the primary person(s) carrying out weekly inspections or responding to alarm activations need to self isolate or are ill so that weekly inspections and alarm activation responses can be maintained by another appointed person
    (7) you must tell us as soon as you become aware of any illegal entry to the premises whether or not any damage has occurred
    (8) you must review and update your risk assessment (including the fire risk assessment) of such buildings to reflect the temporary change in risk

Unless otherwise agreed or varied by us in writing.

Outstanding Risk Improvements, periodic conditions & maintenance conditions

Any policy term that requires regular maintenance, inspection or where we have specified completion of a risk improvement by a specified deadline that cannot be fully complied with or fully completed solely due to the COVID-19 outbreak causing travel restrictions or the lack of availability of contractors will be held in automatic abeyance until

  • the expiry of the current outbreak or
  • the availability of contractors or
  • the date the temporary cover enhancement expire

whichever is the sooner provided all reasonable steps have been attempted to comply with the policy terms or complete risk improvements in part or in whole given the circumstances at the time.

All other policy terms, conditions and exception are unchanged.