Pandemic Insurance
Exclusive to AssuredPartners
Protect your business and your reputation
At AssuredPartners, we are more than just an insurance provider – we are your long-term partner. The last few years have shown how devastating a global health crisis can be, not only to lives but also to businesses and livelihoods. Despite this, most commercial insurance policies no longer cover losses caused by communicable diseases, leaving organisations exposed.
That’s why we’ve worked with Munich Re – one of the top providers of reinsurance – to design an exclusive Pandemic Insurance solution. This product provides financial protection against future catastrophic communicable disease events, bridging a gap in the market and supporting business continuity when it’s needed most.
Why Pandemic Insurance?
- Future risk is high – The UK Government’s National Risk Register (2025) identifies a future pandemic as the most likely and catastrophic risk within the next five years¹.
- History shows a pattern – From SARS (2002) to Ebola (2014), MERS (2015), Swine Flu (2009) and most recently COVID-19, the frequency and severity of outbreaks are increasing ².
- The odds are real – Experts at Metabiota estimate a 28% chance of another pandemic on the scale of COVID-19 within the next 10 years ³.
COVID-19 proved how quickly business continuity can collapse. Traditional business interruption policies usually exclude communicable diseases and require physical damage before responding. Pandemic Insurance has been created to fill that gap.
Core Product Features
- Exclusive to AssuredPartners – not available elsewhere.
- Annual non-damage Business Interruption policy – covers loss of income without requiring physical damage.
- Backed by Munich Re – global leaders in specialist risk solutions.
- Clear trigger & fast payout – once a pandemic is declared by the World Health Organisation and UK Civil Authority restrictions apply, the policy pays the full limit of indemnity within 30 days.
- Accessible protection – premiums starting from £5,000 plus Insurance Premium Tax.
- UK risks only – with potential to expand upon request.
What does it cover?
The policy provides financial cover when:
- The World Health Organisation declares a Public Health Emergency of International Concern (PHEIC).
- The UK Government imposes restrictions linked to the outbreak.
This ensures businesses receive clear, fast, and decisive financial support when they need it most.
Who should consider this insurance?
Pandemic Insurance is relevant across multiple industries, including:
- Hospitality, leisure & tourism
- Education establishments
- Charities & not-for-profits
- Professional services
- Manufacturing & distribution
Boards and trustees in particular will want to review this solution as part of their risk management planning.
Why choose AssuredPartners?
- Exclusive product access
- Market-leading insurer partnership
- Expert risk advice and client support
- Trusted, long-term relationships
We help organisations prepare for the unexpected and safeguard their financial stability.
