Bassford Remele obtained what is believed to be the first Minnesota state court ruling addressing insurance coverage for COVID-19 business interruption claims. The court concluded that losses stemming from the Governor’s Emergency Orders limiting restaurant operations to delivery and carry-out service only, and later restricting capacity, were not caused by “direct physical loss of or damage to” covered property and fell within various policy exclusions.

Order Granting Defendant's Motion for Judgment on the Pleadings