The Business Law Reports
[2025] Bus LR 2245
King’s Bench Division: Bristol
Carbis Bay Hotel Ltd and another v American International Group Ltd
[2025] EWHC 1041 (Comm)
2025 April 23; May 9
Judge Russen KC sitting as a High Court judge
Insurance— Contract— Construction— Clause in business interruption policy covering loss resulting from closure due to infectious diseases— Policy defining “disease” by reference to closed list of diseases— List not including Covid-19— Policyholders seeking indemnity for loss caused by closure during Covid-19 pandemic— Whether definition of disease governing scope of infectious diseases clause— Whether exhaustively defining diseases covered— Whether non-exhaustive interpretation required to avoid rendering words in clause redundant— Applicability of presumption against redundancy and contra proferentem rule— Whether cover including Covid-19