On 1 November 2022, the Commercial Court of Tours held that the exclusion clause in a professional insurance policy of six restaurant owners who suffered operating losses during the COVID-19 pandemic for business interruption was null and void. The Court ordered AXA, the insurance company, to compensate the policyholders.
The policyholders had suffered losses between 20,000 and 300,000 euros during the pandemic due to the closing of their businesses during the pandemic. Their insurer had refused to compensate them based on an exclusion clause in their insurance contracts. The policyholders now won their case before the Commercial Court of Tours, which considered that this exclusion clause was null and void. This paves the way for compensation, after two years of legal battles, which will have to be determined by judicial experts.