Virus Exclusion Dooms NJ Whiskey Bar’s Business Loss Row

By Riley Murdock (June 17, 2022, 6:06 p.m. EDT) – A federal court in New Jersey has rejected a whiskey bar’s bid for COVID-19 business interruption coverage from Amguard Insurance Co., finding that the restaurant’s losses fell under a broad virus exclusion in its policy.

In an unpublished opinion released Thursday, U.S. District Judge Freda L. Wolfson found the plain language of the policy denied coverage to Mark Daniel Hospitality LLC, the operator of INC American Bar & Kitchen, which appears to have permanently closed.

Amguard’s virus exclusion policy applies even when something else is contributing to the loss, according to the ruling. Mark Daniel argued that his losses stemmed from government shutdown orders, not…

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