The FCA has issued guidance to firms as to who is a key worker in relation to the COVID-19 restrictions. A key financial worker fulfils a role which is necessary for the firm to continue to provide essential daily financial services to consumers, or to ensure the continued functioning of markets. To help firms identify who they are, firms should first identify the activities, services or operations which, if interrupted, are likely to lead to the disruption of essential services to the real economy or financial stability. Firms should then identify the individuals that are essential to support these functions. Firms should also identify any critical outsource partners who are essential to continued provision of services, even where these are not financial services firms. Key workers in insurance will include individuals essential in the processing of claims and renewal of insurance and risk management, compliance, audit and other functions necessary to ensure the firm meets its customers’ needs and its obligations under the regulatory system.
FCA guidance of 20 March 2020: https://www.fca.org.uk/firms/key-workers-financial-services