Simply Business homepage
  • Business insurance

    • Business Insurance FAQs

    Business insurance covers

  • Support
  • Claims
  • Sign In
Call Us0333 0146 683
Our opening hours
Knowledge Centre

Covid-19 risk assessment template for small businesses

2-minute read

Jessie Day

6 August 2021

Share on FacebookShare on TwitterShare on LinkedIn

As an employer you have a legal responsibility to protect your employees from health and safety risks. Already have a risk assessment in place? Download our coronavirus-specific template to ensure you’re up-to-date and ready for business. Keep reading for more on who it applies to, and when you might need it.

Use it to help your employees, clients, and any visitors to your business premises stick to the government guidelines on hygiene and social distancing.

Coronavirus risk assessment template - free Word download

Choose to download your template now, or get it directly from Farillio’s site where you’ll also get access to their full suite of customisable legal templates.

Your email address will be used by Simply Business to keep you posted with the latest news, offers and tips. You can unsubscribe from these emails at any time. Simply Business Privacy policy.

Why use a Farillio template?

Farillio provides a range of easy-to-use legal templates, created especially for small businesses. Your legal needs will be different to larger businesses and Farillio have taken that into account. We’ve partnered with them so that you’ll have a range of straightforward legal resources at your fingertips. Get three free months of access to their full suite of business and legal support documents, guides, and videos, and tap in to their team of legal experts by visiting the Farillio website.

Covid-19 business risk assessments: why are they important?

A structured assessment template gives you practical guidance. You can start working this into your activities straightaway or when needed, preparing your business for the near future.

From staggering shifts to new hand-washing facilities, your coronavirus risk assessment should give you the confidence to work safely.

Does my business need a risk assessment?

The government has removed coronavirus restrictions but you must still control the risks and update your risk assessment. While social distancing measures no longer apply and the government is no longer instructing people to work from home, you should still keep your workplace safe with:

  • adequate ventilation
  • sufficient cleaning
  • good hand hygiene

You might also consider limiting the number of people your workers are in contact with (for example staggering shifts), encouraging face coverings in busy areas, and workplace testing.

Here are a few of the key business areas where a thorough Covid-19 risk assessment should be considered:

Shops, branches, and retailers

By definition, shops are built for visitors. Whether that’s customers, suppliers, salespeople, delivery services, or employees, everyone’s needs should be factored in and kept safe accordingly.

Construction and other outdoor work

This kind of work is wide-ranging and includes people in construction, energy and utilities, forestry, street, highway and railway services, farming and agriculture, waste management, and other infrastructure.

Risk assessments will already be part of your day-to-day business life, but these should be reviewed against Covid-19 guidelines, and updated where necessary.

Restaurants, pubs, bars and takeaway services

Since the government’s relaxed rules on social distancing, it’s now up to the venue how you manage the risk. Along with managing ventilation, you might want to continue using NHS Test and Trace for customers (although it’s no longer a legal requirement). The government is also working with businesses that welcome large crowds (such as nightclubs) to use the NHS Covid Pass.

Factories, plants and warehouses

Again, any existing risk assessments you have in this sector should include specific coronavirus guidance. The government highlights manufacturing and chemical plants, food plants, warehouses, distribution centres, and port operations within this group.


Whether you’re a small office-based accountancy firm or your business also runs a contact centre or operations room, you’re legally required to keep employees and visitors safe while on your premises.

If you work in other people’s homes

This will cover a huge number of small businesses, and the government acknowledges the complex environment you’re working with. The general advice is to communicate with households before any visits to discuss how the work will be carried out. You shouldn’t visit a household if anyone is isolating because of coronavirus.

The guidance for different types of work can be found in full on the government’s working safely during coronavirus pages.

Is your Covid-19 risk assessment template up to date? Let us know in the comments below.

Ready to set up your cover?

As one of the UK's biggest business insurance providers, we specialise in public liability insurance and protect more trades than anybody else. Why not take a look now and build a quick, tailored quote?

Start your quote

We create this content for general information purposes and it should not be taken as advice. Always take professional advice. Read our full disclaimer

Find this article useful? Spread the word.

Share on Facebook
Share on Twitter
Share on LinkedIn

Keep up to date with Simply Business. Subscribe to our monthly newsletter and follow us on social media.

Subscribe to our newsletter


Popular articlesBusiness resources from FarillioGeneral businessGuestInsuranceLandlordLandlord resources from FarillioLegal and financeMarketingNewsOpinionProperty maintenanceTradesmanCovid-19 business support hub


Public liability insuranceBusiness insuranceProfessional indemnity insuranceEmployers liability insuranceLandlord insuranceTradesman insuranceCharity insuranceRestaurant insuranceCommercial van insuranceInsurers


About usOur teamAwardsPress releasesPartners & affiliatesOur charitable workModern Slavery ActSocial mediaSite map

Customer support

Contact & supportPolicy renewalMake a claimProof of policyComplaintsAccessibility


6th Floor99 Gresham StreetLondonEC2V 7NG

Sol House29 St Katherine's StreetNorthamptonNN1 2QZ


Careers at Simply BusinessTech careersCurrent opportunities


BenefitsRefer a friendFinance


Terms & conditionsPrivacy policyCookie policyVuln Disclosure policy


Knowledge centreOpinionsMicrosites

© Copyright 2022 Simply Business. All Rights Reserved. Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London, EC2V 7NG.