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Simon Ager , the rise in the passion for the mountain led him to open it, The Pinnacle Centre 10 Years

businessman Simon Ager says that his company, The Pinnacle Climbing centre in Northampton, is the risk of bankruptcy to cover because his insurance refuses to losses as a result of the coronavirus lockdown.

He is one of A Number of entrepreneurs who have said that they could not pay legal action against the insurer Hiscox, which is said, it, and business interruption claims arising from the outbreak.

Mr Ager, the policy covers the rock climbing centre for losses of up to £ 100,000 to close if it is forced, under certain circumstances, although he says that the lockdown is likely to cost him More Than that.

the Two clauses of a

Hiscox policy documents, it means potential financial losses for companies not able to use their premises, the occurrence of human infectious diseases, or people contagious following "the outbreak of the disease which must be notified to The Local authority".

Marie-Claire di Mambro, a lawyer at Keystone law, believes that the clause "to cover all of the companies that have purchased this policy for financial loss as a result of Covid-19".

A separate clause to cover losses, says the insurer, if an incident is within a mile of an insured company means the power of the state access to The Company building. This could be a shop, factory or on the climbing wall, for example.

Ms Di Mambro, said this second clause should be for companies that can not use their buildings, because the government has to close the companies forced to, as a result of the pandemic.

But Hiscox, the insurance industry says have enough money for all the losses incurred as a result of the closure.

"business interruption policies in the industry as a whole were never meant to cover pandemic risks", " a spokeswoman said, noting that the insurer's lawyers believe that the pandemic is covered by its business interruption insurance policies.

Instead, the insurer argued that the policy was intended to cover incidents that occur only within a mile of a business - not to the whole Country or outbreaks of Legionnaire's disease on the premises.

global events

But Roger Topping - claims assessor at TopMark Adjusters - who is also being argued About the lawsuit against the Hiscox, that what the policy says.

"The policy actually reporting covers subject to disease, which causes an interruption of The Business ," he says.

the insurance coverage differs from each provider.

the Alliance and Aviva say that they cover all the diseases, which have no name in your policy, Zurich and said that his policy "in the rule" do not offer coverage for global events like the Covid-19 pandemic. Meanwhile, Axa and RSA, say, some of their policies covered companies, which suffer a loss can be because of a coronavirus outbreak in their premises.

Hiscox is one of the UK's most well-known insurance companies and is worth over £2. 7bn, would not say how many policies it has issued, including the formulation of the question.

Emily Pringle holds a candle and fragrance company, Notes of Northumberland, was forced to leave, three of his employees. She says she is the government financial aid systems, because Hiscox denied your Claim .

Notes of Northumberland ' s store in Alnwick

"you should not offer this type of cover, unless they were willing to cover it, in the instance that something happened," she says.

Ms Pringle Hiscox called only a few days previously, they had to stop their business. She says the insurer told her it would pay to close your losses as a result of the decision, and even sold to protect additional cover that The Business of the pandemic the impact.

But was told as you approached the insurer, to her, that she was not covered. Hiscox says: "We Are investigating Emily's circumstances. "

While Ms Pringle Hiscox says can be used for protection against losses from an event like this, when he, the insurer is committed to the policy, it says that your contract is in the wording, wrote to pay.

she says that a mistake is accidental coverage under the policy, the debt of small companies. "It just doesn't seem fair that you have to save and sacrifice, all of us. It is your fault, not ours," she says.

Daniel Duckett opened Lazy Claire Patisserie in Belfast two years ago, and he now employs six part-time employees.

Daniel Duckett worked as a pastry chef In Paris before the opening of its branch in Belfast

The cake shop was forced to close, but Mr. Duckett will continue to pay the Staff and also the rent to his landlord, a Small Business owner.

"In The Spirit of support of other small businesses around us, we want to pay to try, The People who need The Money The Most ," he says.

But he says the reopening of The Business after the lockdown is more difficult, because Hiscox has refused his Claim .

He wrote an open letter to Hiscox UK chief Bob Thaker, and Chancellor Rishi Sunak to say after the insurer via E-Mail, it would not pay his Claim .

Mr Duckett says The Company 's argument that the microphone is at the end of disease coverage only for local outbreaks of the word differs according to its policy. He thinks, Hiscox, scolds, what should say their "policy".

"What you should say and what you mean what you say, is not a matter of opinion, it is a question of fact," he told The Bbc .

in His letter to Mr Thaker and the Chancellor says: "It is my belief that Hiscox have been wrongly denied my Claim and close it from other companies forced the government in the right direction. "

He cited Hiscox, what the potential customer says "we will always go The Extra mile, and always start by assuming that your insurance is valid", and wonders why the wording in its privacy policy.

northampton, coronavirus lockdown measures, coronavirus pandemic, belfast, companies, mountaineering, hiscox, alnwick, insurance

Source of news: bbc.com