Our team has excellent experience in advising the London market and international clients in relation to all types of business interruption claims. This part of our practice has been particularly active since the COVID-19 pandemic, although our experience in this area goes much deeper.
Much of our business interruption work is closely related to our property damage expertise and is in respect of losses to businesses following fires, floods, water escapes, explosions, rioting and other civil disorder, as well as weather phenomena such as earthquakes and hurricanes. We also have specific experience in losses arising out of utility service interruption – gas, electricity and water. Our experience extends to litigation and arbitration for clients in overseas jurisdictions placing insurance through the London market and in claims with a broad international reach.
We advise on business interruption policy coverage issues, losses and related claims for businesses such as those relating to policy extensions, notifiable diseases, exclusions, implications of resuming business activity, credit insurance, travel insurance, events and contingency insurance. We have in-depth experience of claims in many different sectors including commerce, heavy industry, services, construction, manufacturing, retail, government and hospitality.
In relation to COVID-19, we were first port of call for many insurers to assess policy responses concerning business interruption claims and then, following the Supreme Court judgment in the FCA’s test case, we were retained by many insurers to advise on remaining key points of principle. We have since acted in several multi-million pandemic-related business interruption insurance claims, including Bermuda forms, in international arbitration and international courts, including the Gulf region and the USA. We also successfully acted on Various Eateries v Allianz  EWHC 2549 (Comm) which provided further clarity on policy coverage for business interruption claims relating to COVID-19.
We are expert in the interrelated area of product liability, where defective products, often industrial mechanical, affect business capacity and efficiency, and also in delay to start up claims following disruption to works in the construction field. In addition to this, our barristers can draw on broader experience when required in case specific situations, often using expertise in civil fraud and asset recovery, employment and brokers’ professional negligence.