Tag archives: Physical damage

COVID-19, business interruption and physical damage

In South Africa and the United Kingdom, coronavirus coverage disputes are centring around the interpretation of various non-damage extensions provided under the policy’s business interruption section. In North America, both in Canada and the United States, the focus has been whether COVID-19 caused direct physical loss or damage to the insured property triggering business interruption … Continue reading

Poor air quality as physical damage

In Oregon a Shakespeare festival was forced to cancel shows because wildfire smoke filled the outdoor theatre. They sought to recover under their policy for loss of profits. The policy covered ‘direct physical loss of or damage to covered property’. There was no dispute that it was ‘covered property’ but the insurers contended that the … Continue reading