Business Interruption insurance update - January 2021

On 15th January 2021, the Supreme Court delivered its judgment which stated that insurers must pay out to small firms customers with business interruption policies.

This ruling was the result of a test case that involved a number of insurers, including Hiscox, RSA, QBE, Argenta, Arch, Zurich and MS Amlin, and does not currently have any impact on the business insurance cover provided through Wesleyan.

As we do not source policies from the seven firms involved in the Supreme Court ruling, the situation regarding the insurance coverage we provide has not changed and Business Interruption (BI) cover is not provided for Covid-19 claims.

Our insurers are reviewing the case notes and will communicate to all of our customers should their position change.

Wesleyan act as a broker and source business insurance for customers from a range of insurance companies. As with many other insurers and brokers who provide business interruption cover, this court case did not look at our policy wording and the ruling therefore did not include any specific guidance on our policies.

Our insurers have reviewed all of their policies in light of Covid-19 and will continue to monitor the situation closely.

You can find a summary and further details of the ruling here:

If you have any further questions around your surgery insurance from Wesleyan Financial Services, please email