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Sandy Point Dental, PC v. The Cincinnati Insurance Company

Court: Other  09/21/2020  No Direct Physical Loss to Property Due to COVID-19 Closure Under Illinois Law

A court of the Northern District of Illinois granted a commercial property insurer's motion to dismiss an insured dental office's claims for coverage for losses arising out of governmental closures of non-essential businesses to prevent the spread of COVID-19, finding that the allegations could not support a claim for "direct physical loss" to the property itself, or to other property to trigger Civil Authority coverage, or related extra-contractual claims.

commercial property insurance, COVID-19, direct physical loss, civil authority coverage, motion to dismiss, non-essential business, business income, Illinois law

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