From cafes to dentists, relief at British coronavirus
insurance ruling
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[September 16, 2020] By
Kirstin Ridley and Carolyn Cohn
LONDON (Reuters) - Murray Pulman says he is
as tough as they come, but battles with his insurer have left him close
to tears after a coronavirus lockdown forced his family-run cafe The
Posh Partridge to close.
Pulman was counting himself as one of the lucky ones on Tuesday,
however, after a judgment in a London test case against eight insurance
firms, including his insurer QBE <QBE.AX>, held up the promise of a
payout on his business interruption policy.
He is among hundreds of thousands of mainly small British businesses now
waiting to hear if their insurer will pay out imminently, or keep them
hanging while they appeal. [L8N2GC2SQ]
"This has had me close to the edge," Pulman told Reuters by telephone
from Dorchester, southwest England, where the cafe reopened on July 4
after its closure in late March.
QBE said in a statement on Wednesday that the court had ruled in its
favour on two out of the three policy wordings examined and it was
considering its options to appeal the ruling in favour of policyholders.
![](http://archives.lincolndailynews.com/2020/Sep/16/images/ads/current/christianvillage_sda_SPONSOR_042720.png)
The cafe, which the 56-year-old started with his 29-year-old daughter
Emily four years ago, now runs at half speed to allow social distancing
to prevent the spread of COVID-19.
"I will be paid one day ... (but) I expect them to run me ragged having
to prove this and prove that, prove the other," he said.
The Posh Partridge was profitable from the start, says Pulman, who paid
QBE around 1,350 pounds ($1,736) a year for a business interruption
insurance policy for the business.
The terms of the QBE policy said it would pay out if the premises were
closed by a local authority as a result of an outbreak of a contagious
human disease within a 25 mile (40 km)radius.
But when the coronavirus pandemic hit and the cafe was forced to close,
QBE told him he had no valid claim.
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![](../images/091620pics/busine53.jpg)
Murray Pulman and his daughter Emily, who runs the Posh Partridge,
pose outside their home in Dorset, Britain September 15, 2020. Emily
Pulman/Handout via REUTERS
![](http://archives.lincolndailynews.com/2020/Sep/16/images/ads/current/ldn_lda_SCAVANGER_promo_2020.png)
The High Court judgment means Pulman could qualify for a payout, pending any
appeal, although he will likely remain reliant on volatile takings, which on one
day fell as low as 22 pounds ($28), as long as the coronavirus pandemic
persists.
"The insurer utterly abandoned us and sought to mitigate their losses to zero,"
he said.
"This judgment will not make that go away."
DENTAL WORK
Dentist Laith Abbas also got an abrupt no from QBE when he tried to claim as the
government-imposed lockdown in March closed his North London surgery.
When he found his policy didn't pay out, he led a campaigning group of 2,000
dental practices with business interruption policies to seek redress.
Abbas said Tuesday's judgment had given its members hope.
"A lot of dentists have suffered in lockdown, and there's no light in the tunnel
with a potential second wave," he added.
"Business interruption insurance is potentially the only thing that can keep
dental practices afloat."
(Reporting by Kirstin Ridley and Carolyn Cohn; editing by Alexander Smith and
Jason Neely)
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