LIBERTY MUTUAL INSURANCE EUROPE SE AND OTHERS v BATH RACECOURSE CO LTD | LIBERTY MUTUAL INSURANCE EUROPE SE v STARBOARD HOTELS LTD | BATH RACECOURSE CO LTD v LIBERTY MUTUAL INSURANCE EUROPE SE AND OTHERS | GATWICK INVESTMENT LTD v LIBERTY MUTUAL INSURANCE EUROPE SE | STARBOARD HOTELS LTD v LIBERTY MUTUAL INSURANCE EUROPE SE

[2025] Lloyd's Rep. IR Plus 20

COURT OF APPEAL

Before Sir Julian Flaux , Chancellor, Lord Justice Popplewell and Lord Justice Phillips

Insurance (business interruption) – Covid-19 claims – Non-damage extension clauses – Composite insurance – Whether limit of indemnity was aggregate or applied to each policyholder – Whether furlough payments were to be deducted from sums recoverable.