SC20695 - Connecticut Dermatology Group, PC v. Twin City Fire Ins. Co. (“The dispositive issue in this appeal is whether a property insurance policy providing coverage for ‘direct physical loss of or physical damage to’ covered property provides coverage for business income losses arising from the suspension of business operations during the COVID-19 pandemic. The plaintiffs, Connecticut Dermatology Group, PC (Connecticut Dermatology), Live Every Day, LLC (Live Every Day), and Ear Specialty Group of Connecticut, PC (Ear Specialty Group), own and operate healthcare facilities at various locations in Connecticut. They suspended their business operations during the COVID-19 pandemic and, as a result, lost business income and incurred other expenses. The plaintiffs filed claims for their losses with the defendants, Twin City Fire Insurance Company, Sentinel Insurance Company, Ltd., Hartford Fire Insurance Company, doing business as The Hartford, and the Hartford Financial Services Group, Inc., under insurance policies containing provisions requiring the insurance companies to ‘pay for direct physical loss of or physical damage to’ covered property caused by a covered cause of loss. The defendants denied the claims, and the plaintiffs brought this action seeking, among other things, a judgment declaring that the insurance policies covered their economic losses. The plaintiffs now appeal from the trial court’s granting of the defendants’ motion for summary judgment on the ground that the claimed losses were subject to a virus exclusion in the policies. We affirm the trial court’s judgment on the alternative ground that there is no genuine issue of material fact as to whether the policies did not cover the plaintiffs’ claims because the plaintiffs did not suffer any direct physical loss of covered property.”)

SC20678 - Hartford Fire Ins. Co. v. Moda, LLC (“ The plaintiffs filed claims for their losses with the defendants, Twin City Fire Insurance Company, Sentinel Insurance Company, Ltd., Hartford Fire Insurance Company, doing business as The Hartford, and the Hartford Financial Services Group, Inc., under insurance policies containing provisions requiring the insurance companies to ‘pay for direct physical loss of or physical damage to’ covered property caused by a covered cause of loss. The defendants denied the claims, and the plaintiffs brought this action seeking, among other things, a judgment declaring that the insurance policies covered their economic losses. The plaintiffs now appeal1from the trial court’s granting of the defendants’ motion for summary judgment on the ground that the claimed losses were subject to a virus exclusion in the policies. We affirm the trial court’s judgment on the alternative ground that there is no genuine issue of material fact as to whether the policies did not cover the plaintiffs’ claims because the plaintiffs did not suffer any direct physical loss of covered property.”)