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United Kingdom covidaggregation and causation

Stonegate Pub Co Ltd v MS Amlin Corporate Member Ltd

[2022] EWHC 2548 (Comm)
JurisdictionUnited Kingdom
CourtEngland and Wales High Court (Commercial Court), Queen's Bench Division (Butcher J)
Year2022
StatusPersuasive authority

Key Principle

On a Marsh Resilience business-interruption wording, COVID-19 losses are aggregated to a small number of 'single occurrences' (notably the 20 March 2020 nationwide closure measures) so as to cap recovery, and amounts of government support (furlough and business-rates relief) must be brought into account to avoid the insured recovering more than an indemnity.

Area of Law

commercial, contract

Related Cases

Synergy Health (UK) Ltd v CGU Insurance Plc (t/a Norwich Union) & Ors [2010] EWHC 2583 (Comm)
Effort Shipping Co Ltd v Linden Management S.A. and others [1998] AC 605
Maxamcorp International S.L. v Eurotel LLC [2026] EWHC 666 (Comm)

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