QBE Response to Claims Submitted Following the Business Interruption FCA Test Case Supreme Court Ruling

All of the SSR QBE wordings fall under the judgement of the recent Supreme Court Ruling.

There are two versions of our wording relevant to notifiable diseases:

1. SSR Main Scheme
2. SSR Per Capita wordings (E-Trade)

All Main Scheme and Per Capita wordings are available in our Document Hub.

Where clients were required by the Government's Regulations on 21^st or 26^th March 2020 to close their premises (or part of the premises), claims should be submitted without delay including details of losses incurred. This will be relevant only to those clients who have the business interruption or Increased Cost of Working (ICOW) sections insured, and who have incurred losses due to closure or increased costs (where ICOW cover applies).

Our understanding is that only the following business were legally instructed to close and therefore if the clients' business does not fall within this category of company instructed to close, there is no cover:

• Restaurants, including restaurants and dining rooms in hotels or members clubs.
• Cafes, including workplace canteens, but not including—
  • cafes or canteens at a hospital, care home or school;
  • prison and military canteens;
  • services providing food or drink to the homeless.
• Bars, including bars in hotels or members’ clubs.
• Public houses.
• Cinemas.
• Theatres.
• Nightclubs.
• Bingo halls.
• Concert halls.
• Museums and galleries.
• Casinos.
• Betting shops.
• Spas.
• Massage parlours.
• Indoor skating rinks.
• Indoor fitness studios, gyms, swimming pools or other indoor leisure centres.

Please also visit the QBE link which contains FAQs to help you understand the outcome of the Supreme Court Hearing: https://qbeeurope.com/about-us/covid-19/