Business interruption insurance: material damage

In Bellini (N/E) Ltd v Brit UW Ltd [2023] EWHC 1545 (Comm); [2023] Lloyd's Rep IR Plus 23 Clare Ambrose, sitting as a Deputy High Court Judge, considered as a preliminary issue the scope of an infectious diseases extension in a business interruption policy. Due to the rather unusual wording of the clause, the court's view was that physical damage to property remained the trigger for coverage.

Bellini : the insurance