Coronavirus and Childminder insurance

[Chocolatedaim]

Hey all, I’ve posted here and in childminder thread, hope that’s ok!!
I have messaged My insurance company, PACEY, but I’m aware it could take a few days for them to reply so wanted to ask people on here also.
I have public liability and employers insurance, should we have to close would my insurance cover loss of earnings?
I have read my policy but it’s full of jargon and I’m unsure. I think if my employee got coronavirus I would be covered but I’m not sure whether we would be if I got it, or if any of the children got it?
If anyone can offer any clarity I would appreciate it

Yes, it would, or should. We will be paying out on business interruption and liability claims - coronavirus does not impact this

Just to clarify - this isn’t really a coronavirus issue but whether you have business interruption cover

EL and PL is not business interruption cover

Ahhh ok, I need to check I have Buisness interruption cover, thank you for that

Can insurance is usually for parents or children who hurt themselves etc. Don't think it covers any loss of business.

forrestgreen ply insurance company got back to me and as I paid extra I should be covered for loss of earnings. Provided it’s a case of confirmed coronavirus and I am not just self isolating

That's good