The Night Time Industries Association has today announced that it will be coordinating claims against Hiscox Insurance for its refusal to pay out under its business interruption policy.


“Night Time Economy businesses are being denied legitimate insurance claims, many claims are being disputed by insurers based on contrived arguments to avoid sharing the financial burden during the COVID-19 crisis.

We have instructed Philip Kolvin QC, the leading industry barrister, to advise on our members’ rights under their insurance policies. One of the main leisure sector policies was underwritten by Hiscox Insurance, who have written to their clients denying liability. Philip Kolvin QC has advised that claimants who were insured by Hiscox against closure by public authorities and who had to close their premises under the regulations have a good case against Hiscox.

We want to talk urgently to any businesses within the Hospitality and Leisure sector which have a Policy with Hiscox and would like to join the current group of over 100 claimants to progress a legal case against the company ”


“Leisure operators are suffering from severe hardship. There is a clear and present danger that the industry will be decimated, that leisure businesses throughout the UK will go to the wall, that jobs and livelihoods will be lost, and that the cultural capacity of the nation will be depleted for years to come.

We should celebrate that the cxNight-Time Industries Association has stepped up to the plate to support the sector. It is time now for those insurance companies who know they are liable under their policies do the same. The clue is in the name ‘insurance’. It is what they are in business for. They should not be running for cover. They will never be forgiven for doing so.”

SIMON MABB Managing Director – NDML Insurance

“As brokers, we are working with NTIA and Philip Kolvin QC in representing our clients in pursuing their claims for Business Interruption losses due to the COVID-19 lockdown. We are exploring every possible avenue to get insurers moving and paying legitimate claims to their clients.

So, this is a direct call to certain insurers to do the right thing NOW, even though times are hard. Now is the time to work together. Not to find loopholes and re-write wordings that exclude claims. But to stand by the clients that have stood by you for so many years, to recognise that loyalty. And to save our industry.”

Join the discussion 3 Comments

  • Carol says:

    well done! i have a hiscox policy for my event management company and our broker says it absolutely should pay out and he is fighting it for me
    we also own a hotel and we are fighting for that policy too. we have been royally stitched up and mis sold these policies and i am furious the government took the statement off the website saying as you have been instructed to close this is sufficient to claim on your business distribution insurance

  • tim hubbard says:

    We have an 2 events business in sheffield. Insured with HISCOX and our policy wording is clear. Our broker and our lawyer is confident and just working out what to do. If it makes sense to pool then please let me know.

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