FBD disputed this, arguing that the closures did not occur as a result of an outbreak of disease at the premises or areas where the pubs are located. It said it has never provided cover for pandemics and no-one in Ireland has ever asked for it. Speaking on the result, Noel Anderson, managing director of Lemon and Duke, told The Journal.ie: “It should never have come to this. I specifically had taken out a business interruption policy to protect us against Covid-19 and its potential impact on our business. As the court heard during the trial, this was acknowledged in writing by FBD.”