Sorry we're CLOSED sign board hanging on office door. “No Maryland appellate court has decided this specific question, but hundreds of courts throughout the United States have decided it in interpreting policies that are substantially identical to the policy in this case,” Judge Kevin F. Arthur wrote. “Although the policies do not define the operative terms, those courts have held, almost unanimously, that the phrase ‘physical loss of or damage to’ property is unambiguous and that the policies afford no coverage in circumstances such as those of this case.” (Credit: GOLFX/

The Court of Special Appeals of Maryland, the state’s intermediate appellate court, fell in line with several recent state and federal appellate court rulings, unanimously upholding a lower court’s decision that a restaurant’s losses resulting from COVID-19 shutdown orders aren’t recoverable under its business interruption insurance policy.

The ruling came just a few weeks after a federal judge asked the Maryland Court of Appeals — the state’s highest court — to weigh in on the issue in a separate case.

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