Business interruption insurance: extensions to cover

The Court of Appeal has, in Bellini (N/E) Ltd v Brit UW Ltd [2024] EWCA Civ 435; [2024] Lloyd's Rep IR 379, affirmed the first instance decision of Clare Ambrose, sitting as a Deputy High Court Judge, [2023] Lloyd's Rep IR 573, holding on the rather unusual working of the policy that physical damage to property remained the trigger for coverage even though the loss was caused by disease. The usual wording states that an extension constitutes "deemed" damage. The present policy did not include the deeming clause.

Bellini: the insurance