Guidance for Unoccupied Premises

Now that we are in a further lockdown, your premises may be unoccupied.  This could have implications for your insurance as most policies only provide unoccupied property cover for a limited period, typically 30 to 60 days.

During the first national lockdown in 2020, most insurers granted extensions to these periods, however many insurers are not providing such extensions this time around and will also require to be notified of premises becoming unoccupied.

Please make sure you understand your insurance policy and the requirements therein with regards to changes that you make due to Covid restrictions.

If your property or business premises are unoccupied please let your insurance provider know. Also, let them know if there are substantive changes to the pattern of occupancy of the premises (or units therein). Some examples of such changes are:

  • Changes to the opening times
  • Part occupancy during the working week
  • Weekend occupancy (where not previously disclosed)
  • Subletting to another party

Concerning security, make sure you are complying with your insurer’s minimum security requirements and that the property is properly secured with fully operative alarms and security cameras.

Please remember that despite premises being unoccupied, property owners still carry a responsibility to look after the premises. Regular maintenance is particularly important for unoccupied premises and of course, during winter months.

Please contact your insurance provider if you are unsure about your duty of care and unoccupied properties, or any other issues concerning your insurance policy and Covid-19.

With thanks to Bruce Stevenson for this advice.

Coronavirus (COVID-19): Strategic Framework Business Fund

£185m of sector support

A package of business support worth £185 million will be made available.

More details about this support, including how to apply, will be announced. Eligible businesses can expect to apply in January 2021.

This support will target specific sectors including:

  • wedding sector
  • events sector
  • travel agents
  • inbound tour operators
  • accommodation services, including self-catering, visitor accommodation hostels, hotels, B&Bs and guest houses
  • outdoor tourism sector
  • mobile close contact services
  • visitor attractions
  • coach companies and tour operators
  • hospitality
  • live music and cultural venues
  • arts sector
  • indoor football centres
  • food and drink sector
  • taxi drivers – the Taxi and Private Hire Driver Support Fund supports this sector

The find business support website will be updated with more information when available.

Hospitality, non-essential retail and leisure top up funds

The level of additional support for hospitality, non-essential retail and leisure businesses (such as indoor gyms) which are required to close in level 4 was increased on 11 January 2021.

Restaurants, bars, pubs, licensed social and sports clubs, cafes and hotels are in scope for the hospitality top up payment. Other accommodation providers (self-catering, B&Bs, guesthouses, campsite and caravan parks) are not eligible.

https://www.gov.scot/publications/coronavirus-covid-19-strategic-framework-business-fund/pages/further-support/

Press Release: Excluding Self-Catering from Top-Up Grants “Grossly Unfair”

Scotland’s trade body representing the self-catering sector has condemned the Scottish Government’s decision to exclude the industry from top-up grants.

The Association of Scotland’s Self-Caterers (ASSC) has slammed the decision, calling it “grossly unfair” and “part of a pattern of contempt and neglect” that the government has shown the sector.

Finance Minister Kate Forbes and officials within the Scottish Government’s Tourism Directorate made the decision, announced on Monday 11 January, which will see hospitality business owners across the country benefit from an additional £3.3million in top-up grants which are inextricably linked to the Strategic Framework  Business Fund (SFBF).

Despite being eligible for the framework fund, albeit for the duration that Scotland remains in a Level 4 lockdown, self-caterers have been explicitly excluded from the top-up money with only the flimsiest excuses being offered.

The decision to omit self-catering from the top-up grants is illogical and unfair – especially as many hospitality businesses, such as restaurants and cafes, who rely on the economic footfall of self-catering, will be eligible for support.

Additionally, the ASSC has observed a lack of willingness to communicate fully with representatives of the sector.

The decision to leave Scotland’s vital self-catering sector without access to this much needed money will see many business owners thinking seriously about the viability of their businesses and further jeopardises the livelihoods of the thousands who work in the industry.

Many self-catering businesses have been closed since 23rd September 2020 but unlike other sectors, they have not received financial support from the Scottish Government. The £7m sector support grant announced on 21st December will be targeted at businesses that have been impacted by the Rule of One Household. It will not reach vast swathes of the sector.

Each day that passes with no action puts more businesses at risk of closure.

Despite claiming that it prizes Scotland’s tourism offering, the Scottish Government has failed to pass on the consequentials to self-catering in what is being seen as an additional let-down for the industry.

Many within the self-catering sector have been deeply disappointed in and critical of the Scottish Government’s support for the sector throughout the pandemic, citing the effort put in by many across Scotland which has thus far been unrewarded.

Association of Scotland’s Self-Caterers Chief Executive, Fiona Campbell, said:

“The decision to leave Scotland’s self-caterers out of this crucial round of additional funding is grossly unfair and must be corrected immediately – or many of us will simply lose our livelihoods.

“If the Finance Minister is intent on sticking by this poor decision, it is now imperative that she explain in detail what reasoning, if any at all, lies behind it.

“How can she seriously justify cherry-picking one section of the tourism and hospitality sector over another when it comes to funding eligibility?”

“Trust in the Scottish Government within our sector has all but evaporated as this pattern of contempt and neglect seems set to continue.

“It is becoming increasingly clear that they do not understand our sector and are making no attempt to try and understand our sector.”

“Our members have contributed so much, creating memory-making holidays for millions of visitors as well as millions of pounds for the Scottish economy, so to be continually and capriciously let down by the thoughtlessness pouring out from St Andrew’s House is really more than many of us can stomach.”

ENDS