Business interruption policy covers Covid-19 related losses despite lack of direct causation

High Court rules that the business interruption insurance policy in question does cover losses related to Covid-19 restrictions, even when direct causation—specifically the "but for" test—is not satisfied. The judgment emphasises that the presence of Covid-19 on the insured premises was a proximate cause of the Government's restrictions, which triggered the policy coverage. The court dismisses the plaintiff's claim under Extension 7 of the policy and for the first two sets of restrictions, but upholds the claim regarding the restrictions imposed on December 23, 2020. The court has scheduled a mention for further orders and costs, encouraging the parties to consider resolving remaining issues without further litigation.