Let 2025 be the Year You Bite Back Against Your Insurer For Covid-19 Losses
The UK Supreme Court has confirmed we were right all along and have refused the insurance companies appeal of the At The Premises (‘ATP’) Covid-19 Business Interruption claims. This means these policies can provide cover, as we have been arguing since March 2020!
See below the judgment of the Court of Appeal in London International Exhibition Centre plc v Allianz Insurance Plc [2024] EWCA Civ 1026 which now stands as the final say!
This now means hundreds of our clients will be able to recoup losses and receive a payout in the New Year. If you haven’t already contacted us, the time is now.
Let 2025 be the year you bite back against your insurer!
London International Exhibition Centre v Allianz final judgment final
How do I know if I have a claim?
If your business was impacted by the pandemic, you may be eligible for a Covid-19 business interruption insurance claim. RLK Head of Insurance Litigation, Chris Guy, has outlined the 3 key criteria you need to meet:
1️⃣ You must have had a valid insurance policy in place in March 2020.
2️⃣ You need to be able to trigger that policy – this means proving there was a potential case of Covid-19 either within the vicinity of your premises or at the premises themselves.
3️⃣ You’ll need to demonstrate the financial loss your business suffered.
Contact RLK as soon as possible to ensure that the claim is filed correctly and promptly. The RLK team have the expertise and experience to guide you through the documents needed, saving you time and moving you through the process as smoothly as possible. These claims are complex and can involve large volumes of paperwork and time. We are experts and can take care of all of this for you.
Time limits for bringing claims are strict, but businesses have until March 2026, depending on their specific circumstances and policy details. This really isn’t long, and businesses should seek legal advice as soon as possible to avoid any potential issues. Realistically, policyholders have a year left to bring these claims due to procedural requirements.
If you had a policy with; Accredited, Ageas, Allianz, Arch, ArgoGlobal, Aviva, AXA, Axis, Brit Syndicate 2987 at Lloyd’s of London, Canopius, Catlin Insurance, Contessa, HDI Global, Hiscox, Liberty Mutual, Morgan Richardson, MS Amlin, Salon Gold, Syndicate 1991 at Lloyd’s of London, Syndicate DTW1991 at Lloyd’s of London, Syndicate 435 at Lloyd’s of London, QBE, QIC, RSA, XL Catlin, Zenith or another business interruption policy back in 2020, get in touch with RLK!
Get in touch today
Our expert team at RLK Solicitors are here to guide you through the process every step of the way. We’ll review your 2020 policy documents, advise on your eligibility, and handle the claim on your behalf so you can focus on running your business.
You can call us on 0121 450 7800 or email lucy@rlksolicitors.com.
We’re ready and waiting to help you maximise your chances of a positive outcome. Now is the time for you to Bite Back!
This article does not present a complete or comprehensive statement of the law, nor does it constitute legal advice. It is intended only to provide information on issues that may be of interest. Specialist legal advice should always be sought in any particular case.
Chris Guy is the Head of the Business Interruption Litigation department and has recently been made a Director. Chris is primarily from an insurance based civil litigation background, having trained at Legal 500 firm Berrymans Lace Mawer (now Clyde & Co).
Chris has an astute commercial mindset, having worked within the legal team at a major insurer and was previously seconded to assist in-house with FTSE 250 companies and international insurers. Chris was listed in the Legal 500 for his civil litigation expertise. Chris assists clients with his attention to detail, commitment and user-friendly service.
