Malaube, LLC v. Greenwich Insurance Co.
The court found that the phrase "direct physical loss or damage" required actual harm, which was not alleged by the insured in its claim for business income loss coverage in light of Florida's closure of restaurants for indoor dining purposes.
commercial property insurance policy, business income, motion to dismiss, FRCP 12(b)(6), virus or bacteria exclusion, direct physical loss or damage to property, lack of access
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