Business interruption insurance: aggregation

In Bath Racecourse Co Ltd and Others v Liberty Mutual Insurance Europe SE and Others (No 2) [2025] EWHC 1870 (Comm) Sean O'Sullivan KC discussed a series of issues left unresolved in the earlier proceedings between the parties regarding the claimants' claim under a business interruption policy for Covid-19 losses. There were two main points: had the closure of the claimants' premises been on the order of a "competent authority", and what constituted "any one loss" in the context of multiple premises closed by a series of official actions.

Bath Racecourse: the chronology