More Hope for Insureds Experiencing COVID-19 Losses

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Gould & Ratner

The trends in insurance coverage for COVID-19 related losses are: 1) so far insurers are winning, and 2) the cases are fact intensive and turn on policy and pleading language. As we noted, a judge in Missouri had recently ruled in two different cases to deny the insurers’ motions to dismiss on the basis that a policy that does not define “physical loss” or “physical damage” might cover the presence of a virus that “attaches” to the property and deprives the policyholder of its use.

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