The forthcoming year is likely to see further satellite litigation of some importance around COVID-19 business interruption claims. The Court of Appeal is due to hear arguments as to whether the broad approach to causation adopted in the FCA test case (where a single case of disease within a set radius of a policyholder's premises is to be regarded as the effective cause of a lockdown imposed at national level) is translatable across to certain denial of access clauses. This will be a significant point in the evolving litigation surrounding the pandemic, as it should give the industry greater clarity as to whether what the Supreme Court decided in the FCA test case about causation is of broader application outside the ambit of disease clauses, with the potential to have unforeseen consequences for other parts of the policy unconnected with disease losses. Similarly, the Court of Appeal will decide in 2025 whether policyholders must give credit against their business interruption claims for furlough, an issue which could have a very significant financial impact across the industry.