BATH RACECOURSE COMPANY LTD & OTHERS V LIBERTY MUTUAL INSURANCE EUROPE SE (NO 2)

[2025] EWHC 1870 (Comm), King's Bench Division, Commercial Court, Sean O'Sullivan KC, 22 July 2025

Insurance (business interruption) – Restriction of access extension – Meaning of "competent authority" – Limit of liability – Meaning of "any one loss" – Effect of quantum-only arbitration clause

The claimants operated racecourses, greyhound tracks, golf clubs, hotels, and a pub at various locations in England and Wales. On 16 March 2020 the Prime Minister instructed for people to stop all non-essential contact and travel, on 18 March 2020 the British Horseracing Authority (BHA) and the Greyhound Board of Great Britain (GBGB) gave instructions that, respectively, horseracing should be suspended in England and Wales, and that greyhound racing should be moved behind closed doors without spectators.