Henry’s Louisiana Grill, Inc. v. Allied Insurance Co. of America
The court found that the insured did not argue that the coronavirus caused a physical change of its restaurant but that the governor's order shutting down the restaurant caused that change. Further, there was no loss of or damage to the property and no facts that supported civil authority coverage.
commercial property insurance policy, COVID-19, direct physical loss, business income, civil authority, virus or bacteria exclusion, motion to dismiss, FRCP 12(b)(6), motion to certify
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