COVID-19 injury claims – emerging trends?

We commented upon the emerging trends in relation to COVID-19 injury claims in December 2020 and noted the surprisingly low number of claims registered with the Compensation Recovery Unit (CRU), based on statistics to mid November 2020. 

From statistics obtained from the Department of Work and Pensions, we can see that the number of claims registered with the CRU remains relatively low, despite the significant number of infections within the UK population over the Winter period.

We can see that the number of claims registered with the CRU – 2/3 of which relate to employers’ liability – gathered some momentum from September 2020, albeit that monthly levels are still low, averaging around 10 new cases per month. The CRU data is broken down by a range of factors in the remainder of this post.

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Business interruption insurance – test case update – judgment expected in December or January

This is a very brief overview of very recent developments and is most definitely not an analysis of the arguments raised earlier this month before the Supreme Court, other than by way of a reminder that:

  1. the competing arguments of the parties – the FCA and the interested insurers – focus on the question of whether or not the range of representative business interruption (BI) wordings provide indemnity for operating losses sustained by policyholders during the first ‘lockdown’ of 2020, and
  2. the decision at first instance examined this by grouping the relevant clauses into three broad types – disease clauses, prevention of access clauses and hybrid clauses – interpreting each in its context, dealing with causation, prevalence of Covid-19, counterfactuals and with the effect on claims adjustment of so-called ‘trends’ clauses.
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