Policyholders have obligations even in times of the corona crisis. In the event of a breach, the insurance company may invoke a release from liability. The consequence of this is that the policyholder loses the insurance cover.
If your home has been unoccupied since the commencement of the stay-home-order, you work from home and therefore do not enter your office premises for this period, or your business premises are affected by the ban on entering and you have decided to block them for the duration of the measures, you should take the following measures in particular:
- The main water tap must be turned off.
- All utilities (such as gas, compressed air, water, steam, etc.) that are not required during the shutdown should be deactivated.
- All electrical installations, including small appliances, should be disconnected from the mains supply if this can be done safely and without impairing the technical safety equipment.
Business premises and offices:
Operations must be shut down in an orderly fashion to ensure an equally orderly ramp-up.
- All safety and protective equipment (such as automatic extinguishing systems, fire alarm system, burglar alarm system, etc.) must remain fully functional.
- Fire protection gates and doors should generally be kept closed, even if they are generally equipped with automatic hold-open systems linked to the fire protection equipment.
- An uninterrupted alarm chain (connection to a permanently manned location, on-call service, deactivation of the intervention time, etc.) must be guaranteed.
- All electrical systems, including small appliances, should be disconnected from the power supply system if this can be done safely and without impairing the technical safety equipment. Fire loads should be minimized by removing all additional fire loads from the production areas and thorough cleaning, including extraction and filter systems, conveyor belts, etc.
- All utilities (such as gas, compressed air, water, steam, etc.) not required during the shutdown should be deactivated. Maintaining the necessary service and maintenance measures on buildings and technical equipment, including fire and plant protection equipment.
- Maintaining plant security to protect against arson, theft and vandalism (access restriction, minimising outside storage of flammable materials and maintaining a distance of at least 10 metres to the nearest building, maintaining security and carrying out regular plant tours, activating alarm systems, burglary/theft detection systems, etc.).
This list is only exemplary and makes no claim to completeness.