We recently had a snow emergency due to blizzard conditions for forty-eight hours where people were advised to stay off the roads except for emergencies or employers who required their employees to be at work. If you had no business being on the roads, you could be ticketed. The snow emergency was declared by the local sheriff for the entire county.

My insured is a fraternal lodge, which suffered a drop in income from its bar operation because members could not come in because of the declared snow emergency.

Our client is asking for coverage under the business income form. Intuitively, I told him no coverage. There was no physical damage by wind or any other covered loss to the insured property.