{"id":186,"date":"2020-10-16T00:00:00","date_gmt":"2020-10-15T23:00:00","guid":{"rendered":"https:\/\/fenchurchlaw.hostingsystems.co.uk\/uk\/blog\/2020\/10\/16\/covid-19-bi-update-tkc-london-ltd-v-allianz-covid-19-closure-not-accidental-loss-of-property\/"},"modified":"2024-08-21T16:57:20","modified_gmt":"2024-08-21T15:57:20","slug":"covid-19-bi-update-tkc-london-ltd-v-allianz-covid-19-closure-not-accidental-loss-of-property","status":"publish","type":"post","link":"https:\/\/fenchurchlaw.com\/en-uk\/covid-19-bi-update-tkc-london-ltd-v-allianz-covid-19-closure-not-accidental-loss-of-property\/","title":{"rendered":"Covid-19 BI Update: TKC London Ltd v Allianz \u2013 Covid-19 closure not \u201caccidental loss\u201d of property"},"content":{"rendered":"

Hot on the heels of the FCA Test Case judgment, on 15 October 2020 the Commercial Court granted summary judgment in favour of Allianz Insurance Plc, in a case brought by The Kensington Creperie (\u2018TKC\u2019) seeking coverage of its BI losses arising from enforced closure in the wake of the Covid-19 pandemic[1]<\/a>.<\/p>\n

In contrast to the FCA Test Case which examined coverage under \u2018non-damage\u2019 business interruption extensions, but echoing many of the cases currently being pursued in various US jurisdictions, TKC sought to establish coverage on the basis that it had suffered an \u201caccidental loss of property\u201d.<\/p>\n

TKC\u2019s Arguments<\/strong><\/p>\n

The Policy provided cover for loss resulting from business interruption \u201cin consequence of an event to property\u201d, \u201cEvent\u201d being defined as \u201cAccidental loss or destruction of or damage to property used by the Insured at the Premises for the purpose of the Business.\u201d<\/p>\n

Seeking to establish that the mandatory closure of its business from 21 March to 4 July 2020 could amount to an Event within the meaning of the Policy, TKC argued that \u201caccidental\u201d meant nothing more than \u201cunlooked for or unintended\u201d, and that \u201closs of property\u201d included temporary loss of use. TKC pointed to the use of the words \u2018All Risks\u2019 in the titles of the relevant insuring clauses, and various judicial authorities supporting an interpretation of \u2018loss\u2019 going beyond pure physical damage.<\/p>\n

Additionally and alternatively, TKC argued first that the business interruption cover was triggered by loss of or damage to stock, and secondly that the right to carry on business from the premises could itself amount to intangible property which, by virtue of the Regulations, was lost or damaged.<\/p>\n

Allianz\u2019s Position <\/strong><\/p>\n

Allianz, represented by Gavin Kealey QC, submitted that the temporary closure of the premises did not amount to \u201caccidental loss of property\u201d, both because accidental loss referred only to physical loss and because something more than merely transient deprivation was required. The temporary closure of the premises failed on both counts.<\/p>\n

Relying on an extensive line of case law considering the meaning of the word \u201closs\u201d (including, probably uniquely, two different cases concerning lost pearl necklaces), Mr Kealey reminded the Court of Sir Martin Nourse\u2019s memorable comment in Tektrol Ltd v International Ins Co of Hanvover Ltd:<\/em><\/p>\n

\u201c\u201cLoss\u201d is a word whose meaning varies widely with the context in which it is used. If a man said to you: \u201cI have lost my wife\u201d, you would understand him to mean one thing outside the maze at Hampton Court and another outside an undertakers in the high street.\u201d<\/em><\/p>\n

In the context of the Policy, Allianz submitted that a number of further authorities supported an interpretation of loss limited to physical damage, as well as to circumstances where recovery was at least uncertain (and not therefore temporary). This, Allianz argued, was also the only interpretation of the Policy that made commercial sense of the Policy as a whole, since any other construction would render the proviso and Denial of Access provisions in the policy redundant.<\/p>\n

The Judgment <\/strong><\/p>\n

The Court gave TKC\u2019s arguments short shrift. As to what was meant by the word \u201closs\u201d, the Court found that:<\/p>\n

\u201cthe immediate context of the word \u201closs\u201d within the definition of \u201cEvent\u201d is that it is followed by the words \u201cor destruction of or damage to\u201d.\u00a0 I again accept Mr Kealey\u2019s submission that those words strongly suggest that \u201closs\u201d here is similarly intended to have a physical aspect. \u2026 Taking these contextual matters into account as a whole, it therefore seems to me that the expression \u201closs \u2026 of \u2026 property\u201d in the definition of \u201cEvent\u201d cannot sensibly be interpreted as including mere temporary loss of use of property.\u201d<\/em><\/p>\n

As to TKC\u2019s alternative submission that the Policy was triggered by damage to TKC\u2019s stock, the Court found that:<\/p>\n

\u201cthe factual assertion that the deterioration in TKC\u2019s stock caused (proximately or otherwise) any relevant interruption or interference with TKC\u2019s business is one which \u2026 I can summarily reject as wholly unrealistic even at this preliminary stage.\u201d\u00a0 <\/em><\/p>\n

As a result the Court found that TKC\u2019s action was bound to fail and granted summary judgment in favour of Allianz.<\/p>\n

Comment<\/strong><\/p>\n

The case is of general importance to policyholders seeking recovery of their BI losses flowing from Covid-19 related closures.\u00a0 Whilst the FCA Test Case has established (subject to appeal) that certain \u2018non-damage\u2019 business interruption extensions will respond to losses caused by the consequences of the Covid-19 pandemic, a majority of policyholders will not have had the benefit of policies containing such extensions, and those that do are in most cases subject to sublimits of liability that fall far below the main policy limits. A favourable finding in relation to the meaning of \u201caccidental loss of property\u201d could potentially have opened the floodgates to many thousands of additional claims and dramatically increased insurers\u2019 exposure.<\/p>\n

The relevance of the present case was recognised by the Court in the Introduction to its judgment:<\/p>\n

\u201cThe decision in the present case may therefore be of consequence for other potential claimants. To that limited extent, this judgment is therefore something of a footnote to the comprehensive and (subject to any appeal) authoritative statement of the law and exegesis of the various policy provisions in the judgment of Flaux LJ and Butcher J in the FCA test case.\u201d<\/em><\/p>\n

The Court\u2019s findings are therefore unsurprising, particularly in light of the detailed conclusions reached by the Court in the FCA Test Case. If the Court had found in favour of TKC in this case, the issues determined in the Test Case would largely have become irrelevant, since a majority of policyholders would be covered under the main property damage sections of their policies, and would have no need to turn to the \u2018non-damage\u2019 extensions for cover.<\/p>\n

Although not on the face of it a positive outcome for policyholders, the Court\u2019s decision is therefore useful in further clarifying the legal position in relation to the cover available to businesses for their Covid-19 business interruption losses.<\/p>\n

[1]<\/a> TKC London Ltd v Allianz Insurance Plc [2020] EWHC 2710 (Comm)<\/p>\n","protected":false},"excerpt":{"rendered":"

Hot on the heels of the FCA Test Case judgment, on 15 October 2020 the Commercial Court granted summary judgment […]<\/p>\n","protected":false},"author":70,"featured_media":187,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[12],"tags":[332],"class_list":["post-186","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-case-law","tag-products-environmental-risks"],"acf":[],"yoast_head":"\nCovid-19 BI Update: TKC London Ltd v Allianz \u2013 Covid-19 closure not \u201caccidental loss\u201d of property - Fenchurch Law UK<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fenchurchlaw.com\/en-uk\/covid-19-bi-update-tkc-london-ltd-v-allianz-covid-19-closure-not-accidental-loss-of-property\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Covid-19 BI Update: TKC London Ltd v Allianz \u2013 Covid-19 closure not \u201caccidental loss\u201d of property - 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