English High Court clarifies operation of policy limits in multi-party insurance policies

30 January 2026

In the recent case of Acasta European Insurance Company Limited v Eshiett & Others [2026] EWHC 71 (Comm), the Commercial Court has considered how policy limits apply under a composite insurance policy where the same cause results in losses to multiple insureds. The case follows a number of recent judgments on the topic and clarifies the legal principles which apply. Composite policies are used in many contexts, including where insurance is provided to a group of companies under one policy, and the question can have significant financial implications for insureds.

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