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Man with mask on. The Court held disease clauses in the policies “provide cover for business interruption caused by any cases of illness resulting from COVID-19 that occur within a radius of 25 miles of the premises from which the business is carried on.” (Photo: DimaBerlin/Shutterstock)

A January 15, 2021, decision from the U.K.’s highest court spells good news for English policyholders. In The Financial Conduct Authority v. Arch Insurance (UK) Ltd., and others, UKSC 2020/0177, the Court held that 21 insurance policies sold by eight leading business interruption insurers provide coverage for losses resulting from COVID-19 and public health measures taken by U.K. authorities. Approximately 700 types of policies across over 60 insurers and 370,000 policyholders could potentially be affected by the outcome of the Supreme Court’s rulings.

The Court interpreted the following four types of clauses in the relevant policies:

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