Tag archives: Business interruption

Business interruption claims and physical damage

There has been a plethora of Covid-19 policy coverage litigation across the United States.  Absent non-damage extensions under business interruption policies the courts have had to consider whether amongst other things government restrictions on businesses including shutdown orders constituted interruption of business caused by loss to property insured.  That included whether those restrictions on businesses … Continue reading

Business Interruption Insurance and the absence of Damage

A claim under a business interruption policy generally requires a valid claim under the material damage section of the policy.  And the damage must occur during the currency of the policy. In TKC London Limited v Allianz Insurance PLC [2020] EWHC 27 10 (Comm.), the insured operated a café in London.  Following the Covid-19 outbreak of … Continue reading

COVID-19, business interruption and physical damage

In South Africa and the United Kingdom, coronavirus coverage disputes are centring around the interpretation of various non-damage extensions provided under the policy’s business interruption section. In North America, both in Canada and the United States, the focus has been whether COVID-19 caused direct physical loss or damage to the insured property triggering business interruption … Continue reading
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