{"id":311,"date":"2023-06-20T00:00:00","date_gmt":"2023-06-19T23:00:00","guid":{"rendered":"https:\/\/fenchurchlaw.hostingsystems.co.uk\/uk\/blog\/2023\/06\/20\/covid-19-bi-claims-update-policyholder-friendly-judgment-in-at-the-premises-litigation\/"},"modified":"2024-08-21T16:32:02","modified_gmt":"2024-08-21T15:32:02","slug":"covid-19-bi-claims-update-policyholder-friendly-judgment-in-at-the-premises-litigation","status":"publish","type":"post","link":"https:\/\/fenchurchlaw.com\/en-uk\/covid-19-bi-claims-update-policyholder-friendly-judgment-in-at-the-premises-litigation\/","title":{"rendered":"Covid-19 BI claims update: policyholder-friendly judgment in At The Premises litigation"},"content":{"rendered":"

London International Exhibition Centre Plc -v- Royal & Sun Alliance Insurance Plc and others<\/u><\/strong><\/em> [2023] EWHC 1481 (Comm)<\/p>\n

In the latest instalment in the wave of Covid-19 business interruption litigation making its way through the courts since the pandemic, a group of policyholders have been successful in their claim that the Supreme Court\u2019s approach to causation in relation to \u2018radius\u2019 wordings should equally apply to the \u2018at the premises\u2019 wordings.<\/p>\n

This result has a much broader application than simply for the parties to this litigation, and paves the way for large numbers of policyholders on similar wordings to argue that their claims are covered.<\/p>\n

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

While the FCA test case litigation represented a victory for policyholders in many respects, it also left a number of loose ends \u2013 one of which this recent ruling ties up in their favour.<\/p>\n

With regard to \u2018radius\u2019 wordings, that is, business interruption policies that respond to cases of a notifiable disease occurring within a specified radius of the premises, the Supreme Court concluded that that each case of Covid-19 was a concurrent cause of the restrictions.\u00a0 As such, in order to show that loss from interruption of the insured business was proximately caused by one or more occurrences of Covid-19, it was sufficient to prove that the interruption was the result of government action taken in response to cases of disease which included at least one case of Covid-19 within the geographical area covered by the clause.<\/p>\n

\u2018At the premises\u2019 wordings, namely clauses providing for cover for losses caused by restrictions resulting from cases of notifiable diseases at the premises themselves \u2013 as opposed to within a specified radius of the premises \u2013 were not within the ambit of the FCA test case.<\/p>\n

As a result, there was uncertainty as to whether the Supreme Court\u2019s causation analysis was equally applicable to such clauses.\u00a0 This judgment now clarifies that it is.<\/p>\n

The policyholders\u2019 position<\/strong><\/p>\n

The claimant policyholders, who included the London International Exhibition Centre the restaurant chain, Pizza Express, as well as a number of smaller businesses including a hairdresser, two gyms, and various hospitality venues, had all suffered significant BI losses as a result of the pandemic, and all had \u2018at the premises\u2019 cover as part of their business interruption insurance.\u00a0 Applying the same approach to proximate causation as adopted by the Supreme Court in the FCA test case, they argued that their policies should respond to cover their losses.<\/p>\n

The insurers\u2019 position<\/strong><\/p>\n

The insurers disagreed.\u00a0 One of the main themes was that \u2018at the premises\u2019 clauses and \u2018radius\u2019 clauses provided a \u201cfundamentally and qualitatively different<\/em>\u201d nature of cover: they were \u201cchalk and cheese<\/em>\u201d. The fact that they are engaged by incidents of disease at a precise location means that a direct causal connection is required, which in turns requires proof of \u2018but for\u2019 causation between the occurrence of disease at the premises, the action by the authorities, the consequent business interruption and loss.<\/p>\n

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

Mr Justice Jacobs held that the policyholders were correct in their submission that \u201cat the premises\u201d is simply about the geographical or territorial scope of the coverage, and where the parties have chosen to draw the line in that respect – it has no impact on the appropriate approach to causation. In their analysis, the Supreme Court did not draw a distinction between \u2018radius\u2019 clauses where the radius was 25 miles, 1 mile, or the vicinity, and there was no reason why the radius could not be further shrunk from the vicinity to the premises itself without making any difference to the causation analysis.\u00a0 He added that this seemed to him to be an appropriate result, since any other conclusion would give rise to anomalies which it would be difficult rationally to explain to a reasonable SME policyholder who read the policy.<\/p>\n

Cover for cases pre-5 March 2020<\/strong><\/p>\n

He did however find for insurers in relation to another issue before the court, namely whether cases of Covid-19 that occurred before it was made a notifiable disease on 5 March 2020 were capable of falling for cover.\u00a0 On the basis that a disease must be notifiable at the time of the occurrence or outbreak he found that they did not qualify. He stated that an approach that asks whether the disease was notifiable at the time of the relevant occurrence was straightforward to apply and perfectly sensible. That this meant that some occurrences would, depending upon when they occur, fall outside coverage was simply the ordinary consequence of the application of the words of the policy.<\/p>\n

What next?<\/strong><\/p>\n

This is not the end of the story for Covid-19 claims \u2013 the next instalments will come towards the end of the year when another group of policyholders with claims against insurers for business interruption losses under policies with \u2018denial of access\u2019 wordings will have their cases heard – closely followed by the appeals in the Stonegate, Various Eateries and Greggs cases \u2013 it is very much a case of watch this space!<\/p>\n

Joanna Grant<\/a> is a partner at Fenchurch Law<\/p>\n","protected":false},"excerpt":{"rendered":"

London International Exhibition Centre Plc -v- Royal & Sun Alliance Insurance Plc and others [2023] EWHC 1481 (Comm) In the […]<\/p>\n","protected":false},"author":77,"featured_media":312,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3],"tags":[332],"class_list":["post-311","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-products-environmental-risks"],"acf":[],"yoast_head":"\nCovid-19 BI claims update: policyholder-friendly judgment in At The Premises litigation - 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-claims-update-policyholder-friendly-judgment-in-at-the-premises-litigation\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Covid-19 BI claims update: policyholder-friendly judgment in At The Premises litigation - 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