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Business interruption insurance has been in the news recently with the much-publicised Court of Appeal decision in FCA –v- Arch Insurance (UK) Ltd and Others largely confirming the rulings of the Supreme Court on the construction of certain types of business interruption insurance policy. Unfortunately, the relatively limited number of insurance policies considered by the Court means that most of us will still need to review the terms of our business interruption insurance in order to work out whether we have cover. Most policies require the business interruption “event” to cause some form of property damage before a claim can be made, which will rule out claims for loss caused by the Covid-19 pandemic.

In the meantime, the market for directors and officers insurance cover continues to harden. If you are renewing such insurance cover, or indeed taking it out for the first time, you need to review the terms of the cover very carefully in order to make sure that you are obtaining value for money when it comes to the cost of the premium.

Read our full blog looking into the Supreme Court's decision here.


To discuss any of the issues raised in this article, you can contact Nick Armitage, Partner and Head of our Commercial Litigation team by email at or by calling us on 01484 821 500.