Business interruption insurance claims

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Due to the coronavirus pandemic and the introduction of strict lockdown measures, education establishments have had to temporarily close down, or in the case of schools, only stay open for the children of key workers. As a result, they are suffering loss of income and other damage.

At Penningtons Manches Cooper, we have been asked by clients to assist in organising potential litigation claims groups - consisting of schools, colleges, universities and other businesses in the education sector - to bring actions where insurers have refused to provide coverage under business interruption policies for losses that have been caused by Covid-19.

Many establishments are finding that their insurers are either failing to confirm these losses are covered by their business interruption policy, or have declined cover completely. Our aim is to provide practical assistance to those establishments which have been affected and to take action against insurers to ensure that valid claims are paid promptly.

We are currently exploring various options to fund the legal costs of the group actions, including insurance, litigation funding and other sources. The larger the interest in the groups, the more likely they are to receive funding. Our team is working to provide fully financed group actions and avoid any upfront costs to our clients. The groups will be led by our specialist business interruption insurance and group action lawyers.

If you are intending to make a claim, your first step should be to notify your insurer as soon as possible and obtain your claim reference number. If your claim is denied, lodge a complaint with the insurer explaining why you believe your claim should be accepted. You should continue to follow your insurer’s complaints procedure in conjunction with the group action if your claim has been denied or is currently undecided.

To express your interest in joining the groups, please click here. Those with larger claims who are interested in being represented individually, outside the groups, should contact us separately at

Please note that joining a group does not automatically mean you have a valid claim: advice will be provided in due course.

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Penningtons Manches Cooper LLP

Penningtons Manches Cooper LLP is a limited liability partnership registered in England and Wales with registered number OC311575 and is authorised and regulated by the Solicitors Regulation Authority.

Penningtons Manches Cooper LLP