The owner’s broker, Borland Insurance Limited, had arranged cover through a Luxembourg insurer, Builders Direct SA, starting December 7, 2020. The policy carried two conditions that would later matter. It was written on the basis that there were no composite or sandwich panels at the unit – yet the building, once a cold store, was lined with them almost from floor to ceiling. And fire cover depended on the electrical systems being inspected within two months, by February 7, 2021. That inspection never took place.
