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New insurance cover for pandemic building closure

LONDON, 28 October 2009 – Companies can now insure themselves for costs incurred if their building or the vicinity is officially closed due to a pandemic. With an expected spike in H1N1 cases this winter, Aon, the world’s leading insurance broker, has created a standalone insurance policy to reimburse companies for wages, fixed costs and extra expenses if they are unable to access their buildings.

After the H1N1 outbreak in April 2009, both the Mexican and Argentinean governments shut their central business districts, public buildings and educational institutes to prevent the spread of infection. If the UK or other governments take similar action in the event that the pandemic escalates, companies may not be able to rely on their standard business interruption insurance policies which traditionally restrict cover to disruption caused only by:
• physical damage
• notifiable diseases of which H1N1 is often not included and is subject to low limits.

The new Aon product is believed to be the first available to all industry groups, rather than solely focusing on hospitals and the healthcare industry. Retail, transport and manufacturing are likely to be the most affected sectors as they rely on public access and staff on site, whereas most financial services employees, for example, are able to work from home.

Matt Harvey, senior wordings technician/broker at Aon for UK/Europe, commented: “Imagine Oxford Street is quarantined in the run up to Christmas. This could lead to massive losses in the retail sector. Winter is looming and companies across the board are working on business continuity plans, identifying everything that could go wrong and looking for ways to protect their business.

“Aon’s new property insurance cover complements these continuity plans to help companies recover the fixed costs of running the business in face of lower revenues. The policy covers costs for additional expenses such as decontamination and additional staff to ensure a business is up and running again as soon as possible after an official closure is lifted.”

Cover can be adapted on a global, regional or single territory basis and companies will also receive a free Business Continuity Management guide to assist in creating, implementing and testing reaction plans.
For more information contact:
Alexandra Lewis
020 7882 0541
About Aon
Aon Corporation (NYSE: AOC) is the leading global provider of risk management services, insurance and reinsurance brokerage, and human capital consulting. Through its more than 37,000 colleagues worldwide, Aon readily delivers distinctive client value via innovative and effective risk management and workforce productivity solutions. Aon's industry-leading global resources and technical expertise are delivered locally through more than 500 offices in more than 120 countries. Named the world's best broker by Euromoney magazine's 2008 and 2009 Insurance Survey, Aon also ranked highest on Business Insurance's listing of the world's largest insurance brokers based on commercial retail, wholesale, reinsurance and personal lines brokerage revenues in 2008. A.M. Best deemed Aon the number one insurance broker based on brokerage revenues in 2007 and 2008, and Aon was voted best insurance intermediary, best reinsurance intermediary and best employee benefits consulting firm in 2007 and 2008 by the readers of Business Insurance. For more information on Aon, log onto

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