Toby specialises in complex insurance coverage disputes in a range of classes including first party property, business interruption, contractors’ All Risks, latent defects insurance and public liability. He is co-editor of Riley on Business Interruption, the leading text in this area which has been cited extensively by the High Court and Court of Appeal in the ongoing Covid business interruption litigation. He acted for QBE in the FCA Test Case and has acted for a range of insurers to assist them with their response to Covid BI claims. Toby also undertakes complex subrogation and liability defence work, much of which relates to the construction industry.