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Closed title company in Florida. Businesses like the Pembroke Pines Tag Agency in Pembroke Pines, Fla., closed due to the COVID-19 outbreak, with many suffering financial losses they are trying to recoup through insurance coverage. (Photo: J. Albert Diaz/ALM)

As COVID-19 litigation has progressed across the country regarding insurance coverage for business interruption, insurers have cited an array of so-called “virus exclusions” to avoid their contractual obligations. Simply stated, insurers have made an industrywide practice of discouraging and combating lawsuits by relying on any exclusion that has the word “virus” in it.

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