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England and Wales Case Law

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Insurance law [2026] EWHC 1195 (Comm)

Grimes (t/a The Cleveland Arms) & Ors v Liberty Mutual Insurance Europe SE

Grimes (t/a The Cleveland Arms) & Ors v Liberty Mutual Insurance Europe SE [2026] EWHC 1195 (Comm) (20 May 2026)

Commercial Court preliminary issues in COVID-19 business interruption claims concerning policy construction, causation, notification, and estoppel.

  • Business interruption insurance
  • Covid-19 pandemic
  • Policy construction
  • Notification requirements
  • Condition precedent
  • Estoppel
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Insurance law

Russian Aircraft Lessor Policy Claims, Re

The Commercial Court held that leased aircraft and engines were lost on 10 March 2022 by reason of Russian government restraint/detention, triggering contingent war risks cover.

  • War risks exclusion
  • All risks insurance
  • Proximate cause
  • Subrogation
  • Sanctions (eu/us)
  • Policy construction
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Insurance law [2025] EWHC 1870 (Comm)

Bath Racecourse Company Ltd & Ors v Liberty Mutual Insurance Europe SE & Ors

Bath Racecourse Company Ltd & Ors v Liberty Mutual Insurance Europe SE & Ors [2025] EWHC 1870 (Comm) (22 July 2025)

The Commercial Court held that the BHA and GBGB were competent authorities under a COVID-19 business interruption policy and addressed how the policy’s any-one-loss limit applied.

  • Business interruption insurance
  • Covid-19 pandemic
  • Policy construction
  • Denial of access cover
  • Composite policies
  • Limits of indemnity
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Insurance law [2025] EWHC 1430 (Comm)

AerCap Ireland Ltd v AIG Europe SA & Ors (Russian Aircraft Lessor Policy Claims)

AerCap Ireland Ltd v AIG Europe SA & Ors (Russian Aircraft Lessor Policy Claims) [2025] EWHC 1430 (Comm) (11 June 2025)

Commercial Court judgment on Russian aircraft lessor insurance claims, construing contingent and possessed cover, causation, sanctions, and war risks limits.

  • Aviation insurance
  • War risks
  • All risks coverage
  • Policy construction
  • Causation
  • Sanctions
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Insurance law [2024] EWHC 3409 (Comm)

Novitas Loans Ltd v AmTrust Europe Ltd

Novitas Loans Ltd v AmTrust Europe Ltd [2024] EWHC 3409 (Comm) (29 November 2024)

The Commercial Court refused disclosure of pre-inception communications sought to help construe a professional indemnity policy and define its cover.

  • Disclosure
  • Policy construction
  • Third parties (rights against insurers) act 2010
  • Professional indemnity insurance
  • Policy-construction
  • Professional-indemnity-insurance
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Insurance law

Bellini (N/E) Ltd v Brit UW Limited

Clause 8.2.6 of the policy does not provide cover for business interruption in the absence of physical damage as defined in the policy. The references to 'damage' are not a drafting mistake and must be given their natural meaning. The policy, read as a whole, only extends business interruption cover where there is physical damage, and there is no basis to rewrite the clause to provide non-damage cover.

  • Interpretation of insurance contracts
  • Business interruption insurance
  • Covid-19 related claims
  • Policy construction
  • Non-damage business interruption cover
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Insurance law

Various Eateries Trading Limited v Allianz Insurance Plc

The initial outbreak of COVID-19 in Wuhan and the introduction into the UK were too remote to constitute a single occurrence for aggregation under the policy. The relevant occurrences for aggregation were the UK Government's actions and restrictions. Aggregation does not operate per insured location but collectively. Losses proximately caused by a covered event during the policy period are recoverable even if suffered after the period, subject to the maximum indemnity period.

  • Business interruption insurance
  • Policy construction
  • Aggregation clauses
  • Covid-19 losses
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England and Wales decisions are organised by court, judge, legal area and indexed issue so a practitioner can move from a proposition to a citable authority with the surrounding context intact.