GRIMES (T/A THE CLEVELAND ARMS) V LIBERTY MUTUAL INSURANCE EUROPE SE

[2026] EWHC 1195 (Comm), King's Bench Division, Commercial Court, Christopher Hancock KC, 20 May 2026

Insurance (business interruption) – Covid-19 – Non-damage trigger – Closure by reason of disease discovered on premises – Time limit for notification of claim – Condition precedent – Immediate notice

This was the determination of preliminary issues on the meaning of a non-damage extension to a business interruption policy covering interruption with the business in consequence of compulsory closure by a public body arising from discovery of a notifiable human infectious or contagious disease at the Premises.