by Meghan Rigney

During the Covid-19 pandemic of 2020 and 2021, governors throughout the United States ordered many businesses deemed non-essential to close their doors. As a result, many of these businesses sought relief from their insurance providers by making claims under Building and Personal Property and Business Income coverage forms. Nationwide, policyholders and insurance companies have litigated the issue following an overwhelming number of claims and coverage denials. A 2020 case out of the U.S. District Court for the Northern District of Illinois [Sandy Point Dental, PC v. Cincinnati Ins. Co., No. 20 CV 2160, 2020 WL 5630465, at…
Continue Reading “Direct Physical Loss” Required to Trigger Coverage for Covid-19 Claims