In circumstances where several businesses' post-pandemic survival is hanging in the balance, a group of over 50 claimants (including galleries, museums and sole traders) are preparing to bring a class action claim against insurers for failure to pay out on business interruption policies. 

There has already been considerable political pressure placed on insurance companies globally to pay out on such policies (as there was in the aftermath of 9/11, giving rise to a strange sense of déjà vu). It will be interesting to see on which side the UK Court comes down, and how it balances individual circumstances and policy wordings with more far-reaching practical and economic considerations. 

The outcome of this case could also have an impact on the stream of frustration and force majeure claims with which the Court is expected to be inundated. Litigators operating across all sectors are therefore going to want to watch this space carefully.