Latest developments in Business Interruption claims & COVID-19. 

Business Interruption Insurance in relation to closures and losses during COVID-19 has been a contentious issue and we have been keeping a close eye on current developments

The validity of exclusions in policies is being challenged.

The validity of this exclusion in some policies is being challenged overseas, and Australia is set to follow. The Australian Financial Complaints Authority and Insurance Council of Australia are set to file a test case.  They will seek a decision on whether references to a quarantinable disease should be construed as a reference to a listed human disease under the Biosecurity Act 2015 in various policies with business interruption coverage.

The outcome will assist with complaints arising from claims.

Complaints arising out of Business Interruption Insurance claims are already happening. Insurers maintain that the intention of pandemic and communicable human disease exclusions are clear however only the courts will be able to provide ultimate clarity on the issue. Logans will continue to closely monitor the outcomes of these test cases – both overseas and in Australia and will keep you updated as to how it may affect any potential claim.

For COVID-19 Business Interruption claims please contact us

If you have a business interruption claim arising out of COVID-19, and you hold business interruption cover under your policy, please contact us. As a starting point we can identify whether your policy is one that contains the contentious wording.

We can identify policies that contain the contentious wording

Whilst it may be too early for us to provide detailed advice on this, it will enable us to address your claim as more details come to hand.


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We really appreciate the time taken to respond to our recent email request to review and comment on the quality of our service.


We want you to understand our role and how we can support your business to choose the right insurance, save you money and disappointment when making claims. Andrew and Monique Logan


As confusion continues over the COVID-19 pandemic and what is covered,
Logans offer complimentary cover reviews for new and existing clients.

Logan Insurance | Client Stories

We have created short videos to introduce our client stories

Betta Home Living

On New Years eve 2020, Betta Home Living in Bateman’s Bay was totally destroyed by bush fire.
Adequate property insurance meant our clients could be swiftly compensated for the loss.


Bitton was founded in Alexandria, Sydney in 2000. Since then, David and wife Sohani have launched a product range of the same name, a small business consultancy, Bitton Consulting and a second café,
Bitton Oatley. 
A third café is opening in Rose Bay in Jan 2020.

Boob Loob
BOOB LOOB is one of our newest clients. Their product encourages women to perform breast checks that are easy and effortless. Boob Loob is designed for women to put their mind at ease without changing their daily routine. Proudly made in Australia and every bottle purchased online means $1 dollar donated to the McGrath Foundation.

At Logans we provide cover for businesses of all types.

While they are all different in their insurance needs, Betta Home Living, Bitton and Boob Loob
all have extensive cover placed through Logan Insurance Brokers. Cover for these clients includes Public Liability, Business Interruption, Transit, Product Liability,
Theft, Fire, Machinery Breakdown and Food Spoilage.

Our clients have saved $100’s a year by combining and customising their business cover.

Our business is to know your business. Logans will always provide options for the best available cover for your business. That way disappointment is avoided when it comes to making a claim.

 If you would like to see how Logans can help your business, please use the link below.

A good insurance broker will ask relevant questions and seek to keep up to date on your business needs. They will also keep up their education in new products and cover in the market, ensuring you have the broadest choices available to you.