Zurich recognises the challenges faced by customers when businesses are forced to close or operate in a limited way during the current COVID-19 crisis. From a risk management perspective, our business closure guides give you some general advice on how to protect your building during this time. Each guide includes risk control measures and site closure checklists for you to use.
If we have made specific requirement with regards to security and as a result of the ongoing situation you are unable to comply with these measures, please contact your usual Zurich representation and we will be happy to work with you to address the issue. Should you have any specific queries relating to insurance cover, please contact our underwriters or distribution team directly.
Many sedan fleet operators and heavy road transport operations are experiencing severely reduced vehicle utilization as the COVID-19 pandemic continues, due to reduced demand or a prioritised focus on critical commodities or services. Our vehicle guides provide you with guidance and measures should your customers fleet currently be idle.
For businesses who still have vehicles on the road, they need to exercise heightened levels of hygiene within their vehicles to help reduce the spread of the virus. For the duration of the pandemic, our strategic business partner, eDriving, is providing free information, and a training resource portal to assist fleet owners and drivers comply with enhanced hygiene protocols, and stay safe.
With many buildings forced to close or work at a limited capacity, there is now a significant number of people working from home for the first time. This means companies and their data are increasingly vulnerable to threats. Cyber-attacks cost companies’ money, market share, and reputation and can be especially damaging during times of crisis. Zurich Risk Engineers have put together some tips on how you can better protect your data from home.
COVID-19 has triggered a fivefold increase in the number of cyber incidents worldwide since the beginning of February, as employees are more likely to click on malicious attachments or use unsecure networks to retrieve sensitive information when working from home or in remote locations. This document outlines practical tips for companies and individuals to mitigate cyber risks in the current situation and beyond.
5 May 2020
As the spread of COVID-19 develops, Zurich continues to monitor the advice from local authorities and leading disease control specialist organisations, and we urge our brokers and clients to do the same.
If the Insureds travel has been affected (disruption or cancellation) there are a number of steps, we encourage to be taken before submitting a claim:
All claims are assessed subject to the Policy terms and conditions and based on the unique circumstances applicable in each case.
Zurich Corporate Travel and Business Travel Insurance provides cover for Loss of Deposit or Cancellation Expenses incurred as a result of “unforeseen circumstances” outside of the Insured or the Insured Persons control. However, effective from 9:00am Friday 24th January 2020 for travel to China, and 9:00am Monday 2nd March 2020 for travel to any other destination, COVID-19 will not be considered an “unforeseen circumstance” for:
Existing travel booked prior to the 9:00am the 2nd March 2020 (excluding China)
The Australian Government issued travel advice via the Department of Foreign Affairs and Trade (www.smarttraveller.gov.au) against travel to any country on the 18th March 2020, and on the 25th March 2020 issued a total travel ban.
Should an Insured have a trip which was booked prior to 9:00am on the 2nd March 2020, but which was due to commence after the 18th March 2020 and prior to the 30th June 2020 they should take the following steps:
1. Contact their broker to discuss their travel plans, including travel location, departure date, and whether there may be cover under the policy, noting that no two claims are the same and individual circumstances need to be considered carefully
2. Contact their travel provider (i.e airline, tour company, travel agent, hotel) to request a refund or credit. A formal confirmation from the provider outlining the level of refund paid or credit given is an essential part of the claim assessment process.
The following website might help Insured’s have an informed discussion with their provider about their rights to a refund as a result of COVID-19
3. Taking the above steps will assist us in promptly assessing claim submissions, noting that we will still require supporting documentation including original and amended itineraries, the response from provider(s) mentioned above, and other relevant documentation to substantiate their remaining loss.
Claim forms can be obtained from the Zurich website:
For emergency related queries (especially where a traveller is still overseas), please contact Zurich Assist on +61 2 9995 2800.
For general enquiries travellers should contact their Insurance Broker.
As the COVID-19 pandemic curve begins to flatten across the country and employees prepare to return to the workplace, employers should now plan how to address logistics and potential concerns of workers.
The move from shelter-in-place to normal operations is likely to impact company cultures and create uncertainty for many businesses and employees. However, there are steps companies may choose to implement to help protect their employees and create greater clarity for those engaging with their organisation. Slowing and reducing the spread of COVID-19 in the workplace will require a workplace culture of education and communication. Employees must feel comfortable reporting signs and symptoms, as well as understand actions a company is taking to protect them and fellow employees.
There are many steps employers may consider implementing in order to prevent or slow the spread of COVID-19 upon return to work. Zurich has created resources on this topic to help companies as they consider the actions they should take as part of their return to the workplace plan.
As the COVID-19 restrictions are lifted, buildings and facilities will gradually be reopened. We have produced this Building Reopening Guide to consider the steps needed to safely re-open your building which includes two checklists which cover the steps needed for:
Many businesses are experiencing changes due to the COVID-19 outbreak. Zurich loss experience indicates uncontrolled changes may cause or contribute to losses, therefore at the earliest opportunity change management measures must be implemented. This Change Management Guide helps you assess what has changed and identify what actions are required or need to be maintained.