Nearly a year after stay-at-home orders shuttered many businesses due to COVID-19, insurance cases continue to roll through the courts. At issue in most cases is the specific language of an insured’s policy. In Ohio, three different cases each present different interpretations of the policy language. In one of those cases, the court has requested the Supreme Court of Ohio to weigh in on the question of whether under Ohio law COVID-19 constitutes direct physical loss or damage to property. Should the state’s supreme court certify and decide the question it will only partially resolve some of those questions for that state. The issues in Ohio, however, highlight the importance of policyholders examining the specific language in their policy. Learn more about these cases here.