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Covid-19 Business Interruption Claims

We act on behalf of hundreds of business across the UK who suffered devastating losses when forced to close during the Covid-19 pandemic due to national lockdowns imposed by the UK Government.

We understand that your business will have faced significant financial struggles made all the worse by insurers refusing to payout compensation in what is often a complex and confusing claims process.

Our experienced lawyers specialise in reviewing insurance policies, assessing claims, challenging insurer refusals, and advocating for fair compensation. We provide personalised guidance tailored to your unique circumstances and work diligently to achieve the best possible outcome for your business.

Understanding business interruption claims

Business interruption claims involve seeking compensation for financial losses resulting from significant disruptions to your business operations. These disruptions can arise from various events, and insurance policies vary in their coverage and requirements.

We've secured a landmark High Court victory of Welsh Michelin Star Restaurant in historic Covid-19 business interruption test case, as listed in the Lawyers 'Top 20 Cases of 2023'.

How we assist with business interruption claims

Our skilled legal team is here to guide you through the claims process, offering the following services:

  1. Policy Review: We analyse your insurance policy, deciphering its specific language and provisions, and provide clear advice on whether your claim is viable.
  2. Challenging Refusals: If your insurer has denied your claim, we can challenge their decision on your behalf, leveraging our knowledge and expertise to advocate for a successful outcome.
  3. Claim Preparation: We assist in preparing your claim, ensuring it includes all necessary documentation and evidence to support your financial losses adequately.
  4. Negotiation and Settlement: Our experienced negotiators engage with your insurer, striving to reach a fair settlement that compensates you for your business interruption losses.
  5. Litigation Support: In cases where a settlement cannot be reached, we are prepared to represent your interests in court, providing skilled litigation support to protect your rights.

Making a business interruption claim: key considerations

When making a business interruption claim, several important factors come into play:

  1. Policy Evaluation: Each insurance policy is unique. We help you navigate the interpretation of policy wording to determine if your claim is covered.
  2. Timely Notification: It is crucial to inform your insurer about the claim promptly, adhering to the specific notification requirements outlined in your policy.
  3. Assessing Losses: We work closely with you to calculate the financial impact of the interruption on your business, considering factors such as lost profits, additional expenses, and maximum claimable sums.
  4. COVID-19 Considerations: The pandemic has introduced additional complexities. We offer expertise in navigating COVID-19-related business interruption claims, including coverage for disease clauses and denial of access clauses.

 

Business interruption insurance advice

Our experts can provide comprehensive guidance and support related to your business interruption insurance, specifically concerning COVID-19. We offer:

  1. In-depth Discussion: We understand the unique challenges brought about by the pandemic and engage in meaningful discussions about your business and the impact of COVID-19.
  2. Policy Review: Our team conducts a meticulous review of your insurance policy wording to assess the merits of your claim and determine the best course of action.
  3. Tailored Advice: We provide expert advice tailored to your specific circumstances, informing you of the strengths of your insurance claim and suggesting the most favourable way forward.

Get Started Today

Contact us today to embark on your business interruption claim journey. We offer various pricing and funding options, including deferred legal costs, to accommodate your needs. Our goal is to support you in maximising your recovery and securing fair compensation for your business interruption losses.

Key contact

Erich Kurtz

Senior Associate

Erich joined Hugh James in 2021 as a Senior Associate in the Financial Mis-Selling team. He specialises in recovering compensation relating to regulated and unregulated investments, insurance, consumer credit agreements, pensions, mortgages and other financial products.

Erich has specialised in complex multi-claimant litigation, with a strong track record of leading financial group litigation cases.

Frequently asked questions

Next steps

We’re here to get things moving. Drop a message to one of our experts and we’ll get straight back to you.

Call us: 033 3016 2222

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