In May 2024 the Federal Court of Australia held that an insurer’s primary obligation to meet the costs of reinstatement of damaged insured property necessarily extends to the cost of remediating any further damage to the property which is relevantly connected to that primary obligation. This principle applies regardless of whether the insurer’s obligation is

The FCA Test Case appeal in the UK Supreme Court dealt with the meaning of “inability to use” business premises in the relevant non-damage extensions to the business interruption section of the policy considered by the court.

The relevant non- damage Public Authority clauses did not cover all business interruption due to “restrictions imposed” by