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Clarity sought on insurance for Covid-hit businesses *H&H Plus*

Following the Financial Conduct Authority’s test case on business interruption insurance at the High Court, Horse & Hound has spoken to the British Equestrian Trade Association and equestrian insurance specialists SEIB to find out what the ruling means for equestrian businesses...

A TEST case looking at whether businesses impacted by Covid-19 can claim on their insurance could spell good news for some equestrian companies, but not for others.

Business interruption insurance covers a company in the event that they cannot operate, usually relating to physical damage – for example, temporarily renting another yard in the event of a flood.

As the coronavirus pandemic forced a number of businesses, including riding schools, to close their doors, questions were raised as to whether pandemic losses would be covered by business interruption insurance.

The Financial Conduct Authority (FCA) arranged a test case at the High Court involving eight insurers to help bring clarity.

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