Skip to content

Benedict Morillo

Call 2021

Insurance & Reinsurance

Most of Benedict’s work involves an insurance element. Benedict has experience in advising in a range of ‘pure’ insurance matters including coverage disputes and policy avoidance disputes.

His recent work includes:

  • Policy voiding – (during pupillage) assisting James Medd with a claim involving a landscape gardening insured making material misrepresentations about the nature of its business. The claim arose from a gas pipe explosion which caused a sub-contractor to suffer third-degree burns over his entire body.
  • Coverage – (during pupillage) advised on Covid-19 business interruption coverage for a beauty salon claiming under a ‘hybrid clause’ which was triggered upon the manifestation of a notifiable disease at the insured’s premises. Involved complex issues of causation in light of the FCA test case as the insured could evidence the presence of Covid-19 at the premises at start of the pandemic but not thereafter while it remained closed.
  • Coverage – (during pupillage) advised on whether coverage was triggered where a contractor had delegated hot roofing work to a bona fide sub-contractor and the sub-contractor had failed to take safety precautions which were conditions precedent for the contractor’s coverage under the policy.
  • Late payment under s. 13A(1) Insurance Act 2015 – (during pupillage) advised an insurer on liability for an alleged breach of its duty to pay a claim within reasonable time. The claim concerned the payment of an indemnity for reinstatement of a flooded home and the insured alleged that the delay in payment led to the development of a fungal respiratory infection due to having to live in a damp home.

Selected Cases

View full profile »


  • Academic Scholarship, Oriel College (2017-2019)
  • Oriel College Prize for Finals results (2019)
  • Finalist (top 12 of over 100 essays), Times Law Awards (2020)



  • BA Jurisprudence (Double First, 9/250 in cohort); Oriel College, University of Oxford
  • Bachelor of Civil Law (Distinction); Oriel College, University of Oxford
  • Bar Vocational Studies (Distinction); City, University of London

Portfolio Builder


Select the practice areas that you would like to download or add to the portfolio

Download Add to portfolio
Portfolio close
Title Type CV Email

Remove All