Business interruption (BI) insurance covers loss of income and increased costs when a business cannot trade due to an insured event such as fire, flood, or theft. Standard policies typically require physical damage to the premises as a trigger. The FCA’s business interruption insurance test case, decided by the Supreme Court in January 2021, clarified that some disease and denial of access clauses covered COVID-19 related losses. Businesses should read policy wording carefully as coverage varies significantly between products.