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

Summary

The court affirmed summary judgment for the insurers, but on an alternative ground from the trial court's ruling. It held that the policies' coverage for direct physical loss did not extend to business-income losses and related expenses arising from pandemic-related suspension of operations at physically unaltered properties. The court concluded that the policy language unambiguously required a physical, tangible alteration to or deprivation of property that rendered it physically unusable or inaccessible.