At 7.25pm on May 13, Kiri Monaghan, a senior commercial underwriter at FBD sent a WhatsApp message to someone called “Skanky”, possibly a nickname for another member of the management team. In it, he expresses misgivings about his employer’s ability to successfully defend a lawsuit brought by publicans over FBD’s disputed Covid-19 insurance cover.  “If they are on a vintners policy which they prob are I think they do have a chance. The wording is old and very weak. Very ambiguous and if it’s not clear legislation favours the consumer. It was inevitable we were going to get legal action on…

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