Despite the Government having eased the nationwide lockdown, we’re seeing an increasing number of localised lockdowns being enforced up and down the UK. So far, Leicester, Preston, east Lancashire, parts of West Yorkshire and Greater Manchester and Aberdeen have seen local lockdowns and the risk of others going the same way looks imminent.

As the guidance continues to shift, it’s impossible to say exactly how a local lockdown will impact you or how long it will last. But to give an indication of what to expect and what you can do to protect yourself against these, we’ve looked at how these first localised lockdowns have worked to demonstrate what you can expect if you’re affected further down the line.


When Leicester was in a localised lockdown, it was decided that all non-essential stores and services should remain closed while the rest of the UK’s businesses began to reopen. As Leicester then began to lift restrictions in certain areas, these services and public areas were increasingly able to reopen.

Under the new guidelines for further lockdowns, in areas such as Preston, pubs and non-essential services can remain open but within these new restrictions, two households should not come together to meet inside these establishments. The business owners are asked to monitor this. However, in Aberdeen all pubs, bars and restaurants were instructed to close.

Business owners are now calling for more notice of localised lockdowns so they can prepare accordingly as these often come on quite quickly.

To ensure that your business isn’t caught out, it’s best to prepare a contingency plan now, looking at what worked and what didn’t during the nationwide lockdown. You will need to consider what you can do if your employees are unable to come into work as well as what steps you can take to monitor who is visiting your premises and whether they’re able under the guidance issued. As different areas are facing different levels of lockdown, your plan should take this into account.

It’s worth checking your insurance during this planning stage to ensure that your current level of cover aligns with the level of risk that your business faces. As every business policy is different, you will need to speak to your broker or insurance provider to discuss any concerns you have.

To discuss your existing Business Insurance, get in touch with Finch Group at

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