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Has your business been interrupted due to the Covid-19 pandemic?

You are not alone. As we have all seen, this pandemic has led to widespread disruption and business closures, causing financial strain to many. The issue of business interruption has been seen to be so pressing and of such significance that in recent weeks a test case brought by the Financial Conduct Authority has gone to the High Court.

In a nutshell, eight different insurers participated and three categories of insurance clause were looked at:

  1. Disease Clauses
  2. Prevention of Access Clauses
  3. Hybrid Clauses

The good news for business owners is that the High Court has found in favour of policy owners on a number of issues. Generally speaking, the Court has favoured a broad interpretation of the policy wording, potentially meaning more business owners are covered than was previously thought.

Of course, this may go to appeal, but in the meantime this is a helpful stepping stone for policy holders.

If you are struggling to get your insurer to pay out for business closures or interruption arising from the pandemic, do get in touch on 0114 225 6666. We may be able to help.

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