QC accuses FCA of failure to show causal connection between government action and the disturbance to the insured businesses

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Craig Orr QC, representing Zurich, continued his arguments from the day before. He argued that the vicinity requirement is the local focus of the clause and that any civil authority action that triggers the cause must follow danger or disturbance occurring locally.

He said: “The term clearly requires causal connection between the danger or disturbance occurring in the locality of the premises and the civil authority action, which prevents access to the premises”.

He said that in considering

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