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UK insurance and reinsurance weekly: Court of Appeal COVID-19 BI ruling, marine detention cover, SM&CR reforms, broker-fee fallout, natural catastrophe losses, consultations—14 August 2025

Published on: 14 August 2025

Published by a LexisNexis Insurance & Reinsurance expert
Legal News
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Article summary

In this edition:

  • COVID-19 business interruption insurance
  • Insurance types
  • Intermediaries and market practice—Brokers
  • Insurance claims
  • UK regulation
  • Cases tracker
  • Dates for your diary
  • Daily and weekly news alerts
  • LexTalk®Insurance: a Lexis®Nexis community

COVID-19 business interruption insurance

Court of Appeal rules on composite policies and furlough deductions (Bath Racecourse v Liberty Mutual)

The Court of Appeal in Bath Racecourse Company Ltd v Liberty Mutual Insurance Europe SE affirmed the Commercial Court’s view of composite business interruption cover, holding that each insured enjoys a distinct indemnity limit. It further held that CJRS furlough sums must be treated as savings and then deducted. The ruling bears significant consequences for coronavirus (COVID-19) BI claims, and permission has been granted to the Supreme Court (UKSC/2025/0068) on the furlough deduction point, which could shape the resolution of thousands of claims. Written by Tatiana Minaeva, independent counsel and Arbitrator. See News Analysis: Business interruption insurance—Court of Appeal rules on composite policies and furlough deductions (Bath Racecourse v Liberty Mutual).

Insurance types

Marine

On 6 August 2025, a group of insurers failed in their bid to avoid paying US$37m to the owners of a cargo ship seized by the Indonesian navy...

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