Disease clauses require the government order to have been made as a result of an outbreak at or near the insured premises (not the pandemic generally), prevention of access clauses require the order to both mandate and cause closure, and JobKeeper payments need not be brought into account in calculating loss in COVID-19 business interruption claims.
The full text is available to signed-in members, including the 48 later cases that cite this judgment.
11 of the 48 citing cases carry a classified treatment. How each court treated it is available to signed-in members.