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Home / Opinion Digests / All-risk policy doesn’t cover COVID-19 losses (access required)

All-risk policy doesn’t cover COVID-19 losses (access required)

Where Skillets’ insurer denied the restaurant chain reimbursement for COVID-19 related losses, neither the virus nor the Florida governor’s closure orders constituted a direct physical loss under an all-risk policy interpreted by Florida law because neither physically altered the restaurants. Background Skillets operate nine locations of Skillets Restaurants in southwest Florida, and, like most restaurants, were forced ...