London International Exhibition Centre Plc v Royal & Sun Alliance Insurance Plc & Ors
The Supreme Court's concurrent causation analysis applies to 'at the premises' disease cover: it is sufficient for the policyholder to prove that government action causing business interruption was in response to cases of COVID-19 including at least one at the premises, regardless of whether the action was specifically targeted at that premises or whether 'but for' causation is established. Occurrences of COVID-19 prior to its designation as a notifiable disease are not covered. The term 'Medical Officer of Health of/for the Public Authority' includes national Chief Medical Officers. The Mayf…
Source excerpt
- Business interruption insurance
- Causation in insurance
- Covid-19 pandemic claims
- Policy interpretation
- Notifiable diseases
- Public authority powers