There was some legal and legislative headway made this past week on the question of business interruption protections being applicable during the pandemic. First off, the US District Court for the Northern District of Ohio ruled last week that a claim for insurance protection under business interruption coverage by a multi-state restaurant owner was valid notwithstanding a provision denying coverage for shutdowns caused by a microorganism, the coronavirus. In Henderson Road Restaurant Systems, Inc. v Zurich American Insurance Co., the court decided that the cause of the restaurant’s shutdown was a government directive – not the virus – and therefore, the microorganism provision did not apply. Further, the court ruled that physical damage (as required by some court decisions) includes “being disposed of covered property” and that the shutdown therefore constituted physical damage.