Ohio Supreme Court rules insurance doesn’t cover business COVID losses

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COLUMBUS, Ohio (AP) — The Ohio Supreme Court has ruled that a business’s insurance policy doesn’t cover the income it lost when the governor ordered a shutdown early in the pandemic.

An audiology company, Neuro-Communication Services Inc., argued that its policy should cover those financial losses.

Cincinnati Insurance Co. denied Neuro’s insurance claim because it didn’t involve “direct, physical loss” to the business property.

In its decision Monday, the court concluded that the presence of COVID-19 in a community or at a business and the presence of an infected person don’t constitute direct physical loss.

The decision is consistent with multiple court rulings nationally weighing similar questions.