Bucking the trend and disagreeing with United Talent Agency v. Vigilant Ins. Co. (2022) 77 Cal.App.5th 821, this decision holds that the trial court erred in sustaining the insurer’s motion to dismiss this suit seeking coverage under a CGL policy’s business interruption coverage for losses sustained by reason of COVID-19. It reasons that however improbable it may now seem, on demurrer the court must accept as true the complaint’s allegations that the virus physically adhered to surfaces in the insured premises requiring removal or physical repair of the premises. Those allegations sufficiently showed a direct physical loss or damage to the insured property, thus potentially triggering coverage.