A Practical Guide to Business Interruption Insurance

A practical guide to a fast-developing area of law of substantial importance to businesses hit by the effects of COVID-19 and the imposition of restrictions by the UK Government. The book explains in practical terms the complex decisions in the FCA test case and subsequent appeal to the UK Supreme Court, dealing with the key differences between policies, the definitions of specific words and phrases in insurance contracts, and the new approach to causation in claims arising from the pandemic. This guide provides a walk through of examples of policy wordings, recent decided cases, FCA guidance and the practical and tactical aspects of insurance litigation. It is suitable for practitioners and businesses alike. ABOUT THE AUTHOR Neil Fawcett was called to the Bar of England and Wales in 2006 and was appointed a Deputy District Judge in 2015 sitting in the civil jurisdiction. He currently practices at the Bar from 3 Paper Buildings in the fields of Commercial and Chancery Litigation, with a particular focus on Insurance, Property, and Commercial litigation. CONTENTS Chapter One - COVID-19 Chapter Two - Government Intervention Chapter Three - Categories of Business Chapter Four - The FCA Test Case Chapter Five - Policies and Clauses Chapter Six - The Nature of Insurance Policies Chapter Seven - Causation Chapter Eight - Disease Clauses Chapter Nine - Denial of Access Clauses Chapter Ten - The Measure of Loss Chapter Eleven - Insurance Claims Chapter Twelve - Broker Claims Chapter Thirteen - Litigation Funding Appendix - Sample Particulars of Claim