Pointing to an insurance policy’s “unambiguous” language centered on its insured restaurant’s “physical” losses, a Pennsylvania federal court has dismissed the restaurant’s legal claims saying the insurer owed it loss coverage after public officials urged people to stay at home because of the coronavirus.

The court “conclude[s] that the phrase ‘physical loss of or damage to property’ [found in the policy’s 'business income' coverage provision] unambiguously requires some issue with the physical premises that impedes business operations and causes a loss of business income,” wrote U.S. District Judge John Jones III of the Middle District of Pennsylvania in the 26-page opinion.