Supreme Court Judgement on Business Interruption Insurance - Pitfalls Remain

The recent Supreme Court judgement was broadly supportive of policyholders getting their BI claims paid. Policy wordings varied and the Court considered a representative sample, and the judgement can be widely applied.

We have learned that some insurers are seeking to draw a distinction between the national lockdown requirements of the first period and the tiered arrangements of later last year. Depending upon the particular wording, the same cause of loss (the pandemic) can give rise to two standards of evidence being required. So, if you are in Manchester, you have been under the strictest of conditions throughout, elsewhere, where lockdown conditions were not as strict for the whole time, you may need to demonstrate the presence of the disease within a specific distance of your business.

We are providing appropriate advice to our clients about how to present a claim (particularly if it is necessary to show the disease within a specific distance of business premises) and are happy to discuss concerns with anyone else who might be interested.

Read On

Medical businesses and cybercrime

Medical businesses of all sizes and types face real threats from criminals trying to gain access to...

Fortune Favours The Brave -  When To Step In And Reporting To Insurers

This is the fourth part in a series of short articles designed to help medical practitioners manage...

Aesthetic Insurance Video 5a ~ Informed Consent, Questions

Informed consent, defending your position in the event of a compliant or claim.