If the High Court’s judgment against FBD Insurance marked a stunning victory for publicans floored by Covid-19 restrictions, three weeks on, it’s now time for the nitty-gritty of what that win will mean in bread and butter terms.  Having found in the test case that pubs closed due to Covid-19 are indemnified for business interruption, the court now has to decide the extent of cover offered to FBD’s publican customers. Does it only apply when the pub is completely shut? Or does the policy cover partial capacity restrictions like outdoor-only drinking, takeaway pints, or dry pub only service? These are…

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