It was after 4pm yesterday evening when FBD’s barrister Declan McGrath got to the heart of his client’s defence. “Pandemic cover would be highly unusual,” the senior counsel told the Commercial Court. “FBD doesn’t offer it. You’d have to go to a highly specialised London broker. Nobody ever looks for it,” he added. When Justice Denis McDonald pointed out that one Dublin pub, Lemon & Duke, had asked for pandemic cover (last February), McGrath replied that while the owner Noel Anderson could be commended for his foresight, his request came after Covid-19 had already been in China and elsewhere. Nor…

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