ANZIIF Webinar: Business Interruption Test Cases and COVID-19

Business interruption (BI) insurance can be taken out as 'standalone' insurance or as an extension of an existing policy, normally against payment of an additional premium.

Following SARS, most insurers and reinsurers started excluding loss arising out of national epidemics from BI policies. The exclusion is usually by reference to quarantinable diseases notified under the Quarantine Act 1908, which was repealed and replaced by the Biosecurity Act 2015, under which COVID-19 is a ‘listed human disease’. While most policies have been updated, some still refer to the Quarantine Act and subsequent amendments. 

In addition, most BI policies also require that businesses have been closed or evacuated by order of a public authority rather than as a precautionary measure. Cover is unlikely to apply to businesses which shut their doors voluntarily due to restrictions on public gatherings or lack of trade. 

However, some policies do contain extensions for business interruption losses caused by human infectious disease where the outbreak occurs on the business premises or within a particular radius.

Join us as the panel discusses the issues arising from the BI test cases and appeal to the High Court of Australia and what this means for insurers, loss adjusters and wider community.

key takeaways

The panel will discuss:

  • How insurers process claims efficiently and fairly.
  • Causation issues and whether the loss was caused due to a state or federal business closure, or lockdown.
  • Physical damages and whether premises closures were due to a positive case.
  • How to determine the impact and value of the loss – taking the JobKeeper subsidy and savings on variable expenses into consideration.
  • What the future looks like.


Registrations for this webinar are now closed.

For further information about this professional development program, please contact Bec Ciavarella, Event Manager.

Visit ANZIIF webinars to find out what else is coming up. 


  • Raj Kanhai (Moderator)

    Finity Consulting

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    Raj Kanhai (Moderator)

    Finity Consulting

    Raj is a Principal of Finity Consulting and has worked in senior operational management roles in the insurance industry for 25 years. He is also an experienced senior insurance manager and lawyer with roles in claims operations, training and compliance and dispute resolution.

    Raj has been involved in a number of key projects including policy design, legislative and regulatory change, claims performance improvement and using analytics techniques in claims management.

  • Anne Knight

    Insurance Council of Australia

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    Anne Knight

    General Counsel
    Insurance Council of Australia

    Anne joined the Insurance Council in December 2020 in the new role of General Counsel.

    Anne is a commercial lawyer with extensive experience in commercial and corporate matters with a focus on financial services and disputes, having worked in top tier law firms in Sydney, Singapore and London. Whilst Anne has primarily worked in private practice she has also worked in the Enforcement Directorate at ASIC, in house at PwC and more recently in Legal and Group Governance at the Commonwealth Bank of Australia where she was Head of Disputes.

    Anne is trained as a mediator with extensive mediation experience, both in respect of large disputes and disputes involving individuals. She has also held various academic positions at universities in Sydney and Hong Kong teaching a range of commercial and corporate subjects.

    Anne has a Bachelor of Arts and Bachelor of Laws from the University of NSW.

  • Crossley Gates

    Keegan Alexander

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    Crossley Gates

    Keegan Alexander

    Crossley Gates is an insurance partner at Keegan Alexander. Crossley has specialised in insurance law for over 36 years. He is recognised in Chambers Asia-Pacific 2021 in Band 1 as a specialist in insurance law, focusing on regulatory advice, insurance policy drafting and coverage disputes. One client said of Crossley: ‘He is the leading lawyer in his field in New Zealand.’

  • Estelle Pearson

    Actuaries Institute COVID BI Working Group

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    Estelle Pearson

    Actuaries Institute COVID BI Working Group

    Estelle has played a role in some of Australia’s high-profile insurance milestones – she was the actuarial expert to the HIH Royal Commission and more recently the Royal Commission into Institutional Responses to Child Sexual Abuse.  Estelle was the President of the Institute of Actuaries of Australia in 2015 and in 2012 was named Actuary of the Year.

    Last year as a member of the Actuaries Institute General Insurance Practice Committee, she helped establish a number of Actuaries Institute Working Groups to help actuaries navigate the challenges of COVID.  She is a member of the COVID BI working group.

  • Rodney Milford


    Rodney Milford_Grayscale_210524

    Rodney Milford

    Partner, Forensic Advisory Services Division

    Rodney is a partner based across our Sydney and Newcastle offices with over 30 years’ forensic accounting and insolvency experience.

    He has extensive experience in the preparation of expert solvency reports, economic loss and business valuation reports as well as financial and fraud investigation and reporting.

    Rodney is highly experienced in the investigation and quantification of financial losses, and the provision of expert reports arising from all manner of insurance and other types of civil and criminal financial claims.  He was highly involved in the Bushfires 2019-2020 BI claims.


Are you interested in sponsorship opportunities for ANZIIF webinars? For more information on how your organisation can benefit as a sponsor of this leading professional development program, please contact Sara Cheong, Sponsorship Executive by phone on +61 3 9613 7200 or by email at [email protected].



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2 Jun 2021

  • Online
  • 12:00pm - 1:00pm AEST*
    *Please visit Time and Date to establish the start time in your local time zone.
  • 1 Points
  • Member AUD: $35
    NZD: $37.50
    Non-Member AUD: $35
    NZD: $37.50

    Registrations are now closed

    Visit ANZIIF webinars to find out what's coming up.