Instant Insights / The coronavirus and its impact

The coronavirus has upended lives and businesses around the globe. From business interruption and supply chain disruption to event and travel cancellations, we are only just seeing the beginning stages of COVID-19's impact. These articles provide valuable insights on insurance coverage, preparation tips and more to help individuals and businesses reduce exposures as the virus spreads.


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A Missouri court ruling could open the door for COVID-19-related business interruption insurance claims. (Photo: ALM Archives) A Missouri court ruling could open the door for COVID-19-related business interruption insurance claims. (Photo: ALM Archives)

A federal judge in the U.S. District Court for the Western District of Missouri ruled on August 12 that a group of hair salons and restaurants can sue their insurer for business interruption losses caused by the COVID-19 pandemic. The businesses claim the virus caused “direct physical loss” to their premises.

Studio 417 paid premiums to The Cincinnati Insurance Company (Cincinnati) for a policy that included coverage for potential business losses due to a variety of possible causes. The suit indicates that Cincinnati violated the insurance contract when it refused to reimburse the salons for lost business income during the time when Missouri’s stay-at-home orders were in effect. Studio 417 also argued that no virus exclusion existed in the insurance contract, so Cincinnati could not use that exemption.

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