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США – суд постановив, що індіанське плем’я Сноквалмі має право на виплати через закриття COVID

The Snoqualmie Indian Tribe will be paid business interruption insurance via its policy with FM Global for losses accrued through the COVID-closures, according to a court ruling in a Washington state.

The tribe had a $150m ‘all-risk’ policy and so subsequently filed a claim with Affiliated FM but was told the insurance would only cover the $100,000 sublimit within the policy’s communicable disease section as there was no physical loss or damage to the casinos.

The judge ruled: “Because the phrase ‘all risks of physical loss or damage’ is stated in the disjunctive, the term ‘physical loss’ must mean something other than ‘damage’.”