Prime Time Sports Grill, Inc. v. DTW 1991 Underwriting Limited
Prime Time Sports Grill, Inc. v. DTW 1991 Underwriting Limited (U.S. District Court, Middle District of Florida, December 17, 2021): A federal district court dismissed a Florida sport bar’s claim seeking insurance coverage for loss of business due to the COVID-19 pandemic and the State’s reductions in restaurant capacity for a period of time. The sports bar was not entitled to business interruption coverage because it did not suffer any direct physical losses. Acknowledging that the sports bar suffered economic losses due to the pandemic and state policies, the court found that the plain language of the business interruption clause of the policy covered only direct physical losses and not all externally caused economic losses. Read the full decision here.