Insurer Fights Fla Restaurant s COVID-19 Coverage Appeal law360.com - get the latest breaking news, showbiz & celebrity photos, sport news & rumours, viral videos and top stories from law360.com Daily Mail and Mail on Sunday newspapers.
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Trial courts have started to rule and appellate courts are now being asked to decide whether government closure orders enacted due to the COVID-19 pandemic cause restaurants “direct physical loss or damage to property” within the meaning of an all-risk insurance policy. This issue is pending before the Eleventh Circuit Court of Appeals after the Southern District of Florida dismissed a Florida restaurant operator’s effort to bring a lawsuit against insurer Lloyd’s of London seeking coverage for COVID-19 related restaurant closures.
In
SA Palm Beach LLC v. Certain Underwriters at Lloyd’s, London, Plaintiff SA Palm Beach LLC (“Palm Beach”), the operator of a restaurant called “Sant Ambroeus Palm Beach” filed suit against Certain Underwriters at Lloyd’s London (“Lloyd’s London”). Palm Beach alleged “that as a direct result of the global COVID-19 pandemic and certain governmental orders that