IMPORTANT - Notice to Customers

Dear Customer

S.Johnson & Co Ltd is taking the spread of Coronavirus extremely seriously.  Our business is open as usual but, as you’d expect, our number one priority remains the wellbeing and safety of our customers and colleagues.

We are following Government advice and will be operating a skeleton staff mainly based from home at present. 

If you need to speak to us, we ask if you can please email us on in the first instance. We WILL telephone you back - it may be a call from our main office or a member of staff working remotely.

Please bear with us - there has been a high call volume. We do recommend that you check out the latest Covid 19 information below and please read right to the bottom.

We will continue to monitor the situation and respond to the official daily advice.  Please remember to check your junk email folders just in case any emails from us or insurers have been redirected inadvertently.

Thank you for helping us with this.

Steve, Graham and the Team



Insurance companies design their policies to respond to frequently occurring events an example of which is fire. Insurance polices are developed to respond to demand from the public and from businesses as well as providing statutory cover. There are exceptions to this where many policies will not provide cover for frequently occurring but overwhelming events and an example of this is war. There are occasions when it is possible to buy insurance cover for significant events and an example of this is Terrorism cover - although the take up rate is very low.


In general there are relatively few policies in the UK which will respond to pandemics, however……


On the 15th. January 2021 The judgment in the Supreme Court on the FCA’s business interruption test case substantially allowed the FCA’s appeals and dismissed the insurers appeals; this is likely to affect our clients who hold policies with Hiscox primarily.


If you are a Hiscox Policyholder


Please be aware that only a few UK insurers have been affected by this judgement and at this stage we have heard from Hiscox with other insurers still considering their positions.


The following applies to Hiscox policyholders only:


If you have not already registered a claim:



Please ensure you have your policy number to hand.


If you have already registered a claim:


Hiscox will be in touch with you please note that you will need to register a claim for each period where your business has been interrupted.


We have been working with Hiscox in anticipation of this and Hiscox as noted above will be in touch with you if you have already registered a claim with them. Please be aware that if you wish to make more than one claim for each lockdown period, you may be required to input relevant data for each event.


Please note that we are of course happy to help but with the number of clients affected we do feel that your quickest way forward for you to input the information directly in the portal rather than submitting via ourselves.  As well as this Hiscox are likely to have further questions specific to your business and our being involved in the chain (rather you answering such queries directly) could cause delays.  Of course, having said this if you have looked at the portal and have queries please call us – we are attempting to have as many staff on the phones as possible.


If you hold a policy with an insurer other than Hiscox


For those clients holding policies with insurers other than Hiscox, you may wish to approach your insurer to discuss your position since all policies will be considered on their individual merits. 

Insurer Links:


Allianz - 0344 412 9988 /

Allianz Musical - 0844 391 4051 /

AVIVA - 0345 300 5941/

AXA - 0345 600 2716 /

Hiscox - see above information

RSA (Royal Sun Alliance) - 0345 300 4006 /

Zurich - 0800 302 9055 /

For our Music Trade related clients more useful information can be found at


We appreciate this has already taken a long time and that it may be frustrating but please do bear with us and insurers through this next stage.


Useful links:


Association of British Insurers 

'Ordinary' Claims

We are still dealing with normal claims on an ongoing basis. We have seen claims for theft, fire and flood in recent weeks. In the case of all types of claims, as noted above record keeping is key. Please ensure that your business records (purchases, sales, inventory etc) are up to date and duplicates kept away from the business premises.

S.Johnson & Co Ltd are Authorised and Regulated by the Financial Conduct Authority. Firm reference number 300342. Registered office 348 Bromford Lane, Ward End, Birmingham B8 2RZ Company registered in England & Wales no 4361078.

© S.Johnson & Co Ltd.

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