By North Carolina Judicial Branch
  
      
            N. State Deli, LLC v. Cincinnati Ins. Co.
          Whether restaurant closures necessitated by government orders responding to the COVID-19 crisis amounted to a direct physical loss for the purposes of business income and commercial property insurance coverage.        
      
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Summary
Whether restaurant closures necessitated by government orders responding to the COVID-19 crisis amounted to a direct physical loss for the purposes of business income and commercial property insurance coverage.