Since early April, when FBD formally notified hundreds of publicans that Covid-19 did not fall under the terms of business interruption cover, there has been heightened speculation that the Irish insurance company would face a flurry of litigation. Its boiler plate insurance policy for pubs included business interruption cover for infectious diseases within 25 miles of a property. However, FBD argued that the lockdown was not as a result of the pandemic, but rather social distancing. Since then, publicans have been working with industry groups, advisers and lawyers. Now, however, a pub controlled by one of the country’s leading publicans…

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