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FBD's Covid disruption policy covers 'partial closures', publicans argue

Summary

In a High Court case, publicans argued that FBD's Covid‑disruption insurance covered losses from partial closures, not only full shutdowns. They claimed the policy indemnified them during periods when pubs were partially closed or limited in trade due to government restrictions. FBD countered that the policy only covered "completely closed" premises. Judge Denis McDonald had earlier ruled that the policy covered losses from closures prompted by nationwide outbreaks within a 25‑mile radius. The court is to decide the quantum of losses later, with a timetable for pubs to submit financial information. The case involves four test actions by Dublin and Athlone pubs, and the parties are also disputing legal‑fee costs. The dispute centers on whether the pandemic‑induced closures fall within the policy's coverage clause.

Who, what, where, when and why

What: Report matter: FBD's Covid disruption policy covers 'partial closures', publicans argue. Procedural stage: hearing_or_decision

When:

• March 2020 Other
• 2021-02-26 Publication

Why: FBD argues that the fact the cases were test actions was not a reason for the court to award costs against it on the enhanced scale. CNI source report

Places mentioned

Topics

Stage Hearing Or Decision

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Read the original CNI report