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Covid Coverage Requires Property Damage, Wisconsin Court Says

June 1, 2022, 7:37 PM

A Wisconsin coffee shop operator failed in its bid to get insurance payments for Covid-related business losses after the state high court ruled that the company never suffered property damage that would trigger coverage.

Colectivo Coffee Roasters, a Milwaukee-based company that owns cafes and restaurants, sued to get coverage from its insurer, Society Insurance, in 2020 after it paused in-person dining services to comply with the state-mandated closure.

“Although Colectivo could not use its dining room for in-person dining for a period of time, the dining room was still there, unharmed——it was not physically lost or damaged,” the Wisconsin Supreme ...