In Jump Buffalo Grove, LLC v. Cincinnati Cas. Co., No. 21 C 2015, 2021 WL 5396696 (N.D. Ill. November 18, 2021), the Court quoted from the insurance policy at bar:
- “Loss” means accidental physical loss or accidental physical damage.
Jump Buffalo Grove, 2021 WL 5396696, at *2. That policy definition determined the outcome here. The Court dismissed the trampoline park operator's coverage claims based only on the COVID-19 pandemic including government orders to shut down the park's business operations.
This holding is consistent with the vast majority of holdings in cases involving similar coverage issues presented by different policyholders across the country. This time, it was a trampoline park with no coverage for COVID-caused claims that in the judge's eyes did not involve "accidental physical loss or accidental physical damage."
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