The decision by many insurers, specifically FBD, has been analysed by the Central Bank, thrashed out in government buildings, debated in the media and litigated in the courtroom. It has become a focal point of business dissent, with many owners stating that their insurers are refusing to consider Covid-19 a contagious disease for the purpose of business interruption cover.   More than 500 pubs and businesses have contacted local branches of FBD Insurance to find out if their policy covers losses arising from the Covid-19 lockdown, while another 500 will also benefit if the insurer loses an upcoming test case…

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