Business interruption insurance - Covid 19 – Bath Racecourse

13 October 2025

The High Court has recently handed down judgment in the latest of a long line of insurance cases concerning cover for business interruption losses arising in the Covid-19 pandemic. In this article we consider the issues arising, which will be significant both to those with Covid interruption-related insurance claims and with liability insurance claims more generally. In this case, the Court held that an insured with "at the premises" business interruption cover could recover up to the policy limit separately for each premises where there was a case of Covid-19 which caused loss, meaning significantly more cover was available to them than Insurers were arguing for.

 

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