{"id":4504,"date":"2020-11-18T15:45:00","date_gmt":"2020-11-18T23:45:00","guid":{"rendered":"https:\/\/haririlaw.com\/?p=4504"},"modified":"2024-02-12T17:01:58","modified_gmt":"2024-02-13T01:01:58","slug":"court-rules-that-covid-triggers-business-interruption-insurance","status":"publish","type":"post","link":"https:\/\/haririlaw.com\/es\/court-rules-that-covid-triggers-business-interruption-insurance\/","title":{"rendered":"Un tribunal dictamina que la COVID-19 activa el seguro por interrupci\u00f3n de la actividad comercial"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"4504\" class=\"elementor elementor-4504\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f5ae0b2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f5ae0b2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-24001c9\" data-id=\"24001c9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1e9db52 elementor-widget elementor-widget-text-editor\" data-id=\"1e9db52\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A federal judge has ruled that COVID-19 constitutes a \u201cphysical loss or damage\u201d to property, and thus can trigger coverage under commercial property policies. The case, <i>Studio 417 v. The Cincinnati Insurance Co<\/i>., concerned a group of business in Kansas City, Missouri who had filed suit against their insurer for a denial of coverage for business losses.<\/p><p><br \/>After the plaintiffs were forced to close their businesses due to the pandemic and government restrictions, they made a claim to the Cincinnati Insurance Company to cover the losses. The insurer denied the claims, stating that no &#8220;physical loss&#8221; had occurred and thus, there was no coverage. As a result, the businesses filed a lawsuit.<\/p><p><br \/>In response to a motion by Cincinnati to dismiss the lawsuit, the court sided with the plaintiffs. The court founds that a \u201closs,\u201d based on its plain and ordinary meaning, necessarily encompasses \u201cthe act of losing possession\u201d and \u201cdeprivation\u201d of property, which is what happened to the plaintiffs. Because covid is technically a physical substance that attaches to surfaces and makes property unsafe and unusable and because this has led to governmental orders prohibiting businesses from remaining open in order to prevent the spread of that physical substance, the losses due to covid met the threshold for a \u201cphysical loss.\u201d<\/p><p><br \/>There have been conflicting opinions prior to this case, and the insurance industry continues to take the position that there has been no physical loss and that they are not responsible for orders issued by government officials. They have also taken the position that many of these businesses have technically not been &#8220;closed&#8221; due to government restrictions, since they can continue to operate in a limited fashion, e.g. restaurants may lose the majority of their sales, but they can still operate in a takeout capacity.<br \/><i>Studio 417 v. The Cincinnati Insurance Co<\/i>. is a big win for businesses, but it remains to be seen how this issue will play out in courts across the country.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>A federal judge has ruled that COVID-19 constitutes a \u201cphysical loss or damage\u201d to property, and thus can trigger coverage under commercial property policies. The case, Studio 417 v. The Cincinnati Insurance Co., concerned a group of business in Kansas City, Missouri who had filed suit against their insurer for a denial of coverage for [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":4505,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[9],"tags":[22,24,21,20,11,12,25,26,17,16,23],"class_list":["post-4504","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-employment-law","tag-business","tag-cincinnati-insurance-company","tag-covid","tag-employment-lawyer","tag-hariri-law","tag-hariri-law-group","tag-kansas-city","tag-missouri","tag-san-diego-attorney","tag-san-diego-lawyer","tag-studio-417"],"_links":{"self":[{"href":"https:\/\/haririlaw.com\/es\/wp-json\/wp\/v2\/posts\/4504","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/haririlaw.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/haririlaw.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/haririlaw.com\/es\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/haririlaw.com\/es\/wp-json\/wp\/v2\/comments?post=4504"}],"version-history":[{"count":0,"href":"https:\/\/haririlaw.com\/es\/wp-json\/wp\/v2\/posts\/4504\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haririlaw.com\/es\/wp-json\/wp\/v2\/media\/4505"}],"wp:attachment":[{"href":"https:\/\/haririlaw.com\/es\/wp-json\/wp\/v2\/media?parent=4504"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haririlaw.com\/es\/wp-json\/wp\/v2\/categories?post=4504"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haririlaw.com\/es\/wp-json\/wp\/v2\/tags?post=4504"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}