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Business interruption insurance: Covid-19 claims round-up

Insurance Law Monthly

Business interruption insurance: Covid-19 claims round-up

On 17 October 2022 Butcher J handed down three judgments on business interruption claims for losses caused by Covid-19. The three cases overlapped to some extent, in that the same policy wording was at stake in each of them, but the cases had their own individual characteristics. In this issue of Insurance Law Monthly each of the three cases is analysed in turn. Where they overlap, the commentary cross-refers.

The cases were not concerned with coverage, but rather with the assessment of quantum. Key issues included the determination of the "trigger" for coverage; coverage for loss within the indemnity period but after the expiry of the policy (causation); aggregation of claims; and the effect on insurance recoveries of state support during the pandemic, particularly in the form of furlough payments to secure continuing employment for laid-off employees and business rate relief.

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