Insurance Journal’s Top 10 Most Read Stories of 2020: East Region The Pennsylvania Supreme Court issued a May ruling that raised questions about whether it potentially negated one of the insurance industry’s standard bases for denial of coverage of business income claims—i.e. that COVID-19 did not result in “direct physical loss to insured property.” Hayden Kopser spoke to Insurance Journal about celebrating the first year in business for North Improvement, the New York and New Jersey-based boutique risk advisory and insurance brokerage he founded in order to fill gaps he observed in the high net worth space. About Elizabeth Blosfield