Business Law Library & Tracker
Insurance Policies & Claims
Policy wording, disclosure, coverage, claims and insurer disputes.
Sources last reviewed 28 July 2026
Main law guides
122
Acts, regulations and codes worth reading first
Topics
60
Plain-English clusters
Published case explainers
143
Selected cases with a business lesson
Tracked updates
11
New, amended & reviewed
Plain-English explainers, not legal advice. Use the linked official source for section-level detail, and get advice for your situation.
Get legal helpMain laws
Insurance Act 2015
2015 c. 4
Commercial Agents (Council Directive) Regulations 1993
SI 1993/3053
Consumer Protection Act 1987
UKPGA 1987 c 43
Employers' Liability (Compulsory Insurance) Act 1969
UKPGA 1969 c 57
Unfair Contract Terms Act 1977
UKPGA 1977 c 50
Landlord and Tenant (Covenants) Act 1995
UKPGA 1995 c 30
Cases
Bath Racecourse Ltd v Liberty Mutual Insurance Europe SE
Insurance recovery is calculated under the policy, not from headline revenue loss alone. Grants, reimbursements and avoided costs may affect the final amount. Keep...
The Financial Conduct Authority v Argento Wealth Limited & Anor
The lasting value of this case is practical rather than technical. If your business raises money, do not assume that a purpose clause automatically ring-fences...
Zurich Insurance Company Ltd, Re
For most small businesses, this case is less about day-to-day trading and more about how regulated transfers work behind the scenes when an insurer moves a...
Mohinder Singh & Ors v David Ingram (in his capacity as the Liquidator of MSD Cash and Carry PLC)
For business owners, directors and insolvency practitioners, the lesson is simple: do not assume that a funding agreement signed part-way through a dispute only...
River Island Holdings Limited, Re
The practical lesson is not that every struggling business can cut leases through court process. It is that directors should act early, build evidence and compare...
URS Corporation Ltd v BDW Trading Ltd
If your business develops, designs or helps build residential property, do not assume risk ends when the units are sold or when an old six-year limitation position...
Christine Self v Santander Cards UK Limited
For small and mid-sized businesses in consumer finance, the practical lesson is not that any standard form will always block later claims. The lesson is narrower...
Oakwood Solicitors Ltd v Menzies
The lasting lesson is about billing process, customer communication and evidence. If your business can take fees from money it holds for a customer, do not assume a...
Options UK Personal Pensions LLP v Financial Ombudsman Service Limited
If your firm is FCA-regulated, do not assume that execution-only wording or no-advice declarations will protect you from a complaint about losses. This case shows...
Rajinder Kumar & Ors v LSC Finance Limited
If your business lends or borrows against land, do not treat purpose wording as boilerplate. A court will look at the actual intended use of the land and the real...
Canada Square Operations Ltd v Potter
The safest reading for business owners is straightforward. Do not assume that six years automatically closes off risk if your business model depended on not telling...
Vadim Don Benyatov v Credit Suisse (Securities) Europe Ltd
The practical lesson is about clarity, scope and risk allocation. An employer may owe recognised duties of care and may have to reimburse some expenses or...
Ventures Food Limited v Little Dessert Shop Limited
If your business model involves one entity taking a lease and another occupying the premises, make the documents say clearly what right is being granted and what...
Chapelgate Credit Opportunity Master Fund Ltd v Money & Ors
If your business is using a commercial funder to back a claim, do not assume the funder’s downside is automatically capped at the amount it puts in. This case shows...
Burnden Holdings (UK) Ltd & Anor v Fielding & Anor
If your business funds someone else’s court claim, the court may treat you as a real participant in the litigation rather than a bystander. That risk increases...
Wood v Capita Insurance Services Limited
Warranties and indemnities are not interchangeable safety nets. A buyer needs each risk mapped to the trigger, notice process, time limit, liability cap and remedy...
The English Electric Company Ltd v Alstom UK
Do not assume a historic employee claim stays with the original employer after a business transfer. In this case, the court held that wording about claims arising...