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.

This content has been archived. It is available through our partners, LexisNexis® and Bloomberg Law.

LexisNexis® and Bloomberg Law are third party online distributors of the broad collection of current and archived versions of ALM's legal news publications. LexisNexis® and Bloomberg Law customers are able to access and use ALM's content, including content from the National Law Journal, The American Lawyer, Legaltech News, The New York Law Journal, and Corporate Counsel, as well as other sources of legal information.

For questions call 1-877-256-2472 or contact us at [email protected]