Court of Appeal rules out COVID-19 cover where policy required damage

The Court has handed down judgment in Bellini v Brit. This case joins the growing collection of decisions interpreting business interruption cover in the context of the COVID-19 pandemic and follows on from the High Court decision which held there was no cover in the absence of physical damage, on the basis of this particular wording. The Claimant appealed on the grounds that there was a clear mistake in the wording of the disease clause. The Court of Appeal rejected the appeal. In this article, we consider the judgment further.