Yesterday, hours after I published a long read on the impact of the Covid-19 lockdown on Ireland’s pub industry, I received a call from a Dublin publican. Two days before, he had received an email from his insurance broker with the subject line: “loss of earnings good news”. His broker had read through the terms and conditions of his insurance policy with Allianz Ireland, the Irish arm of a global insurance giant that booked an operating profit of €11.9 billion last year, following the decision to shut all pubs as a result of the ongoing pandemic. See also: “You pay…

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