Another Planet Entertainment, LLC v. Vigilant Ins. Co. (2024) 15 Cal.5th 1106
The actual or potential presence of COVID-19 on an insured’s premises generally does not constitute direct physical loss or damage to property within the meaning of a commercial property insurance policy under California law. Direct physical loss or damage to property requires a distinct, demonstrable, physical alteration to property. Any alternation of the premises due to the adherence of COVID-19… Read More