BI Claims | Wilson Organisation


March 5, 2021

BI Claims

BI Claims

Guidance for Clients on Business Interruption Claims

The spread of COVID-19 is unprecedented in modern times and this continues to be an incredibly difficult time for families and businesses, especially businesses that have been required to close or drastically reduce their operations throughout various lockdowns.

The Background

Commercial insurance policy holders hoped they could make claims on their business interruption (BI) insurance policies. This led to wide-ranging disputes in the interpretation of policy wordings.

Under pressure from SMEs in particular, the Financial Conduct Authority (FCA) stepped in and, in conjunction with eight insurers, selected a representative sample of 21 policy wordings as a test case for the High Court to consider and rule upon. In September 2020, the High Court delivered its judgment in favour of the FCA in the majority of the considered clauses.

Unsurprisingly, the insurers appealed and in January 2021 the Supreme Court also ruled in favour of policyholders.

This landmark ruling means businesses that had the relevant extensions to their BI cover would be likely to have their claim met by their insurers. However, the judgment does not mean that all customers with business interruption insurance have a valid claim.

Making a Claim

Although the judgment is welcome news for policyholders, the test case was never intended to encompass all possible policy wordings and does not determine individual claims.

We are working hard to ensure that all our clients that have valid business interruption extensions submit their claims to Insurers without delay and receive the payments due to them.

If you are a Wilsons client and can substantiate a loss as a result of COVID-19, please email with the following information:

  • Business Name
  • Contact Name, Email and Telephone
  • Brief description of your loss
  • Brief description of your business activities

We will acknowledge receipt of your email, advise you of the next steps to take and support you through the claims process.

Remember that you are always entitled to make a claim against your policy, simply follow the claims instructions on your policy document.

FCA Policy Checker

The FCA has published an online Policy Checker and some FAQs to help SME policyholders find out if their insurance policy may cover business interruption losses caused by COVID-19, based on their test case. You will need your policy and schedule to hand and you can access the FCA Policy Checker at

Over 100 years of innovation

  • 1914

    A successful launch! The Wilson Organisation was founded in Nottingham by Harold Wilson and became the first company in the East Midlands to offer a comprehensive insurance policy to the region’s fast-growing band of automobile drivers. Innovation from day one.

  • 1920s

    During the 1920’s, Wilsons developed its commercial insurance offering under the stewardship of Harold Wilson. Hopping forwards 80 years, Wilsons has developed a number of industry specialisms including a particular expertise in the food and drink sector. We created a unique insurance offering called “FoodProtect” and, through this service, have been able to deliver intelligence and cost-effective insurance programmes to a broad spread of leading food producers. The best thing since sliced bread? Maybe not, but we’re working on it.

  • 1949

    John Prow joined Harold Wilson in the business, marking the first generation of the Prow family’s involvement in The Wilson Organisation. Wilsons’ clients included leading Nottingham firm Boots The Chemist plus a number of operators in the burgeoning railway sector. With post-war regeneration beginning apace, the firm’s fledgling construction expertise quickly developed into one of our leading offerings and this continues through to the present day, with clients including national and regional builders, developers, contractors, sub-contractors and architects.

  • 1960s

    The 1960s were the start of a new era for The Wilson Organisation. Harold Wilson and John Prow died on the same day in 1963, Harold of illness and John in a car crash. This left John’s son, John J Prow, to run the growing business at the age of 27. Under his youthful direction, Wilsons benefited from a new energy and direction. John J Prow, who had joined in 1960 in a new business role, led the move into our current premises at Wilson House in 1964 and then launched the financial services division in the following year.

  • 1990s

    The late 1990s heralded the start of the third generation of the Prow family’s involvement in the business. Managing Director Charlotte Prow joined in 1998, to be followed by the firm’s Chief Executive, Annabel Prow, in 2002. Product and service innovation continued apace with the launch of a corporate finance specialism in 1997, which continues to deliver valuable cost-savings and insights to the region’s dealmakers.

  • 2000s

    Now century on from the launch of The Wilson Organisation in 1914, the company continues to encourage innovation and reward good ideas. Within the financial services team, 2008 marked the launch of “Flex”, a powerful employee benefit programme and the development of “WRAP”, an investment tool with a unique level of investor control and transparency. Meanwhile, our insurance advisers worked quickly to bring to market a specialist insurance policy for insolvency practitioners.

  • 2010s

    2010 saw the launch of the Midlands Family Business Awards by Wilsons, the UK’s only independent not-for-profit Awards for family businesses. Now in their fifth year, the Awards have raised almost £20,000 for charities supporting families and young people. In 2014 we are celebrating Wilsons’ centenary, a significant milestone in Wilsons’ history.

Registered Office:
Wilson House, 1/3 Waverley Street, Nottingham, NG7 4HG

Registered in England Number 862690 - Members of British Insurance Brokers Association

Harold Wilson (Insurances) Ltd. and Harold Wilson Financial Services Ltd. are authorised and regulated by the FCA (Financial Conduct Authority)