Business interruption insurance: denial of access clauses

Corbin & King Ltd v Axa Insurance UK plc [2022] EWHC 409 (Comm) is the latest English decision to apply the reasoning of the decision of the Supreme Court in Financial Conduct Authority v Arch Insurance (UK) Ltd [2021] Lloyd’s Rep IR 63 on the application of business interruption cover to Covid-19. There were three issues in the present case: did the relevant clause cover Covid-19 losses; had the causal requirements been met; and how did the financial limits of the policy apply where a number of companies were all named assureds?

Corbin & King : the facts