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A New York state appeals court is allowing the New York Botanical Garden to go forward with a business-interruption loss suit against an insurer that refused to pay for losses due to COVID-19 shutdowns.

The widow told the court that her husband was not a smoker and had no significant medical history that could compound the danger of the virus.

The U.S. Court of Appeals for the 11th Circuit has joined courts across the country in siding with an insurer against businesses trying to recoup profits lost during the COVID-19 pandemic.

Several factors, including social inflation and severe weather events, have shaped the current state of the insurance market.

Another judicial opinion underscores the dire record of business owners seeking coverage for losses attributed to COVID-19.

The 'First Solar' decision is significant, and puts the focus of the analysis of whether claims are related in its proper place.

The year's top 100 insurance groups and insurance companies show strength despite notable challenges.

Every other federal appeals court to address the issue thus far has reached the same conclusion.