Supreme Court of Connecticut
Connecticut Dermatology Group, PC v. Twin City Fire Ins. Co.
January 27, 2023346 Conn. 33
Summary
The court affirmed summary judgment for the insurers on the alternative ground that the policies did not cover the plaintiffs’ COVID-19-related business losses. It held that “direct physical loss” requires a physical, tangible alteration to or deprivation of property that renders it physically unusable or inaccessible, and does not encompass suspending operations at physically unaltered premises to prevent viral transmission. The court therefore did not reach whether the virus exclusion independently barred coverage.