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Business Interruption Insurance Claims

Deadline looming: March 2026 is the deadline to bring a Covid-19 Business Interruption Insurance claim against your Insurer.

We are acting for thousands of policyholders to recover losses as a result of forced closures and loss of trading. Do you think you could have a claim? Reach out to the team today. Time isn't on your side but we are. 

When the unexpected disrupts your business, having insurance in place acts as peace of mind to ensure your business is uninterrupted. But what if your insurers don’t support you when you need them? We come across this situation all too often; insurance companies reject claims that should be paid under the policy.

Unfortunately, insurers are all too keen to find loopholes to prevent paying their policyholders what they’re owed, leaving you with crippling costs and potential liquidation.

Here at RLK, we help you secure the compensation you’re entitled to. As specialists in Business Interruption Insurance (BII) claims, we’re at the forefront of this evolving legal field and experts when it comes to challenging insurers.

We have the knowledge, innovation and relentlessness to fight for what’s owed to you, so you can focus on rebuilding your business. Our proven track record includes successfully overturning thousands of insurer denials for businesses across the UK.

Whether your claim has been declined or ignored, we’re here to challenge it on your behalf.

Enquire with us today
0121 450 7800
- OR -

Like many hospitality businesses, we were hit hard by the pandemic and forced to close our doors during the lockdowns. We thought our business interruption insurance would offer some support - but our insurer denied our claim outright. Frustrated and unsure of what to do next, we reached out to RLK Solicitors. From the very beginning, they were clear, professional, and proactive. They reviewed our policy in detail, challenged the insurer’s decision, and a successful payout for the losses we suffered during that difficult period. We’d recommend that other businesses speak to them to check where they stand

Aggie Pelekanou, Monty's Deli
Righting insurance wrongs

We know how disruptive business insurance claims are. We strive to get answers and a fast, effective solution. We review your case quickly to minimise the impact on your business. We keep in touch with you throughout the process so you know what to expect and when. We cut out the legal jargon and keep in touch using your chosen methods of communication during times that suit you. So you can focus on what matters most. Running your business.

How we help

  • Policy reviews: We analyse your BII policy to uncover coverage opportunities others might miss.
  • Claims evaluation: For a small fixed fee (£199 + VAT), we assess the strength of your claim and, if viable, take it forward on a no-win, no-fee basis.
  • Relentless advocacy: From negotiating settlements to challenging insurer denials, we strive to secure the compensation you deserve.
  • Expert team: Our team of leading commercial litigation specialists collaborate with top barristers to deliver first-class advocacy and advice.
4.9/5

Our Business Interruption Team

Our team has a track record of using their depth of knowledge and creative ingenuity to overturn decisions which has helped keep thousands of businesses in operation across the UK and Birmingham.

Our BII Team

How we help you win.

Our team specialises in
Policy reviews
Claims evaluation
Relentless advocacy

Make 2025 the year you Bite Back against your Insurer. Time isn't on your side but we are.

We’ve helped thousands of businesses claim compensation following disruption caused by the COVID-19 pandemic – and we’re not done yet. Our team has already secured £millions in settlements – and we’re still going.

FAQs

How do I know if I can make a Covid-19 business interruption claim?

If your business had a valid insurance policy in place in March 2020, and you can show a confirmed case of Covid-19 at or near your premises along with financial loss, you may be entitled to claim. These claims are often rejected on technical grounds, so having a solicitor who understands the fine print is essential. Our team will review your policy, assess your eligibility, and handle the entire process on your behalf.

Don’t take the risk of going it alone. Let us fight for what your business is owed.

What has changed following the latest court ruling?

In September 2024, the Court of Appeal ruled in favour of policyholders with “at the premises” clauses, confirming that cover applies in most Covid-19 business interruption cases. This is a major win, but insurers continue to push back and reject claims.

RLK Solicitors were at the forefront of this fight and understand the legal landscape better than anyone. If you want the strongest chance of success, you need a legal team that has already led the way.

Is there still time to make a claim?

In most cases, businesses have until March 2026 to submit a claim. But that does not mean you should wait. Procedural requirements and documentation take time, and delaying could mean missing out entirely.

RLK will ensure your claim is properly submitted and supported. The sooner you contact us, the sooner we can protect your position and maximise your chances of a successful outcome.

Our relentlessness is reflected in our clients' success.

If your business has suffered losses and your BII claim has been denied, it’s time to act now. The nuances of policy wording can be complex, but our experienced team uses their creative know-how and determination to ensure no detail is overlooked.

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4.9/5

Your Solicitors with GRIT.

0121 450 7800

Who We Are

About RLK.

We combine creative thinking with an unshakable commitment to your success. We focus our efforts on you.

Stay up to date with all our latest news.

26 Calthorpe Road, Edgbaston, Birmingham B15 1RP
enquiries@rlksolicitors.com
103 Colmore Row,
Birmingham B3 3AG
enquiries@rlksolicitors.com

RLK Solicitors Ltd is registered in England and Wales under company number 7189629 and is authorised and regulated by the Solicitors. Regulation Authority under SRA number 522998.

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