As business interruption claims stemming from COVID-19 continue to move through the court system, decisions vary based on policy language, state law, and the individual case merits. Courts are less likely to rule in favor of the insured when the policy language applies to “direct physical damage to property” and slightly more willing to find in favor of the insured if the language applies to “direct physical loss of or damage to property.” The Supreme Court denied certiorari on a circuit split on a case that predated the pandemic which indicates state law and interpretation will likely determine the outcomes of COVID-19 cases. Read more about how courts are interpreting specific policy language here.