People cannot shut their business without a lock down for insurance purposes ! Blame Boris
When I closed last week I had to think about a lot of things. Insurance was way down the list.
I thought about the possible contaminants I would create. Viruses can survive on material and some surfaces. So, if I have it, I could essentially pass this on that way. The chances are very small, but I don't want to risk it.
I work with a local delivery company, and over time I have gotten to know them. Many of them are wanting to work for the supermarkets to help get food to those who need it. Others, unfortunately, are having to self isolate. I fully support and understand their reasons.
It's rare I come into contact with people through my business. But those few interactions, I can help to reduce and hopefully reduce the spread.
It's going to be fucking hard. Of course, it is. I've had people suck in air, and say well that's it, your business is finished.
Here's the thing. If I stay open, I could in some way play a part in their death. Small, chance, but I need them alive.
By closing down, I am helping to send the message out that we need to stop non-essential travel. We all have to make sacrifices, some will be bigger than others. The NHS was already crippled, and now they are on the floor. I don't need to add to their work. Hopefully, this will help my current customers survive and, when this is over, they will come back. And hopefully, others will. The quicker this is done the better.
And yes, insurance will payout. I have had it confirmed today. Had I got inadequate insurance, I was also looking into the business loan that is currently available.
And in the meantime, if we are struggling, as announced the other day, we will be able to get some financial assistance.
I would really expect anyone in this situation would be looking at the closure eventualities, because like it or not. They will be forced to close if it comes to it.
Even supermarkets are closing their cafes ffs to get more stock in and minimise social contact.