For business interruption purposes, there is a requirement that the losses claimed by the insured are proximately caused by an interruption or interference with the insured business, according to English common law.<i> (Credit: KEG-KEG/Shutterstock)</i> For business interruption purposes, there is a requirement that the losses claimed by the insured are proximately caused by an interruption or interference with the insured business, according to English common law. (Credit: KEG-KEG/Shutterstock)

Editor's Note: As we conclude our series on wide-area damage, it's important to note that the discussion upon which this series is based took place prior to the FCA test case ruling in the U.K. that challenged the Orient Express Hotels v Generali judgment on concurrent causation. With that in mind, viewpoints post-FCA ruling are noted as such. As the appeals process in the FCA test case unfolds, this perspective may prove useful, as will the information presented about the 'but for' test from the perspective of measuring indemnifiable business interruption loss.

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