Mudpie, Inc. v. Travelers Casualty Insurance Company of America, — F.4th —-, 2021 WL 4486509 (9th Cir. Oct. 1, 2021), Case No. 20-16858.

In March 2020, California state and local authorities issued orders limiting operations of businesses in response to the COVID-19 pandemic. Mudpie, Inc., a children’s retailer, alleged that it was not able to

The insurance industry is bracing itself for the large number of claims arising out of the novel coronavirus pandemic.  Depending on the coverage form involved, insurers should have strong coverage defenses to most of these claims.

Standard commercial property forms were never designed to cover pandemic-related losses.  And after the SARS pandemic, standard property forms