Small firms thrown lifeline in insurance case ruling

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But many insurers disputed the claims, arguing policies were never meant to cover such unprecedented restrictions. Anna Smart runs a photography studio in Oxfordshire with her husband Robin and thought she was covered by business interruption insurance. Sonia Campbell, of law firm Mishcon de Reya, which represents Higa, said:"This is fantastic news which has shown that we were right to pursue insurers who across the board denied cover for Covid-related losses.

In response, the FCA brought its test case, arguing that while some insurers had provided payouts to customers, many claims had been"rejected" under"blanket denials of cover".

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