Connecticut Dermatology Group, PC v. Twin City Fire Ins. Co.

Summary

The court held that the plaintiffs' pandemic-related business-income and extra-expense claims were not covered because the policies required a direct physical loss of or physical damage to covered property. A temporary suspension of operations on physically unaltered premises, without physical alteration, persistent contamination, or an imminent physical threat rendering the premises unusable or inaccessible, did not satisfy that requirement. The court affirmed the judgment for the insurers on this alternative ground and did not reach the virus exclusion.