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Insurance Law Monthly

Liability insurance - Scope of cover for physical damage

(James Longley & Co v Forest Giles Ltd [2002] Lloyd’s Rep IR 421)

A liability policy typically covers the assured against any legal liability by way of damages faced by him arising out of the activity to which the policy relates. In the case of a policy insuring a person supplying goods or services, the policy will often be limited to physical damage. James Longley & Co v Forest Giles Ltd [2001] EWCA Civ 1242, [2002] Lloyd’s Rep IR 421 , makes the point that physical damage refers to damage to other property and not to defects in the goods supplied under the contract which renders those goods of little or no value to the purchaser.

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