Neuro-Communication Servs. v. Cincinnati Ins. Co.

Citations

• 219 N.E.3d 907
• 171 Ohio St. 3d 606
• 2022 Ohio 4379

Syllabus

Insurance—Contract interpretation—Term \direct loss\ in commercial insurance policy requires that there be physical loss or damage to covered property—Audiology-practice owner's policy does not cover its loss of income due to closure during shutdown ordered by governor at beginning of COVID-19 pandemic—Direct physical loss or damage to property does not arise from general presence of COVID-19 in community, presence of COVID-19 on surfaces at a premises, or presence on a premises of a person infected with COVID-19.