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This March marks the unofficial one-year anniversary of the
ongoing COVID-19 pandemic, which has caused widespread financial
ruin to businesses across the United States. In their hour of
greatest need, thousands of these companies turned to their
commercial property insurers—only to receive across-the-board
coverage denials. Some policyholders filed coverage lawsuits, but
by taking advantage of pleading deficiencies, insurers managed to
score some early wins, which they used to support their false
narrative that property policies do not cover business income
losses due to the presence of the virus.