Covid‑19 exclusions in claims‑made policies: a cautionary tale for South African brokers

Cape Town High Court has clarified the operation of claims-made policies and underscored the critical importance of timely notification

IN A February 2026 judgment, the Cape Town High Court held that an insurance broker was not entitled to indemnity under its professional indemnity policy for Covid-19-related claims due to late notification of adverse circumstances and the claim itself. The decision clarifies the operation of claims-made policies and underscores the critical importance of timeous notification.