Thank you for visiting HIGA. As you may be aware, we intervened on behalf of a number of insureds in the FCA test case proceedings in July, which resulted for a successful judgment for "Resilience" and "QBE 1" policyholders in September. As a result of the success of these proceedings, we are considering bringing group claims against a number of insurers. One of those claims is proposed to be against insurers that have written cover using the Material Damage & Business Interruption Policy (JELF/Marsh Resilience wording). The second claim is intended to be against QBE, and the relevant QBE policy wordings for that claim are PBCC170619 (Business Combined Insurance Policy) and PBCC040120 (Business Combined Insurance Policy). We are now inviting policyholders with these specified types of policy wordings to confirm that they remain interested in participating in a funded group claim.
Mitigating Your Loss
Businesses need to recover their losses and one of the ways to do this is to claim losses through business interruption insurance policies.
Insurance Claim Denied?
Many insurers are denying coverage for business interruption losses. It is not financially viable for most businesses to bring legal proceedings against individual insurers.
Told No Cover? Check Again
Lawyers have already reviewed many business interruption insurance policies, including for this sector. The initial view is that there may well be cover for a significant number of businesses who have broader policy wordings. When the insurance industry says you do not have coverage for your business interruption losses, they may not be right. It is worth checking again.
Hospitality Insurance Group Action (HIGA) has launched on behalf of hospitality sector businesses against insurers who continue to refuse to pay losses flowing from the Government's lockdown and COVID-19. The group has now expanded to also include businesses from other sectors.
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Mishcon de Reya has completed a comprehensive review of the insurance policies submitted via HIGA in respect of possible via insurance claims. Mishcon de Reya also intervened in the FCA test case on behalf of insureds with the specific "Resilience" and QBE wordings set out below. Mishcon de Reya's intervention led to successful findings against the insurers in relation to those policies. The HIGA registration process therefore remains open for policyholders to register their interest to be considered as part of any group claim.
One of the potential claims is proposed to be against insurers that have written cover using the Material Damage & Business Interruption Policy (JELF/Marsh Resilience wording). The second claim is intended to be against QBE, and the relevant QBE policy wordings for that claim are PBCC170619 (Business Combined Insurance Policy) and PBCC040120 (Business Combined Insurance Policy).
Mishcon de Reya has contacted those HIGA registrants which Mishcon de Reya are aware hold these policies and have invited them to participate in the group action. Other policyholders with the relevant insurers and policy types are invited to register below, if you have not already registered with HIGA. The Mishcon de Reya HIGA team will then be in touch to discuss next steps. At this stage, we are in the process of confirming external funding to bring the group claims.
The registration process is now open only to policyholders with the specified policy wordings above. Please visit our registration page to join the group action.
For policies underwritten by Hiscox, please go to: hiscoxactiongroup.org
How to Register
Please simply register your details below if you are insured QBE (UK) Limited or by a different insurer under Material Damage & Business Interruption Policy (JELF/Marsh Resilience wording) and would like to participate in a potential group claim.
Keeping You Informed
HIGA’s advisers will monitor enquiries and keep this page updated. Email enquiries to firstname.lastname@example.org