Microorganism Exclusion Applies to COVID-19 Virus, N.J. Federal Judge Rules

  • Order

NEWARK, N.J. — A New Jersey federal judge has granted Zurich American Insurance Co.’s motion to dismiss a theatre’s claims for COVID-19-related business income and civil authority coverage, ruling that the policy’s microorganism exclusion applies.

In a Dec. 17 order, Judge Brian R. Martinotti of the U.S. District Court for the District of New Jersey rejected Count Basie Theatre Inc.’s argument that the exclusion is ambiguous because the COVID-19 virus is not a microorganism.

“Count Basie’s assertion that a virus is generally not considered an organism is irrelevant, because an insurance policy may adopt special definitions for its terms, even …


HarrisMartin's Mass Tort Settlements Conference - Sponsored by Milestone

June 27, 2024 - Buffalo, NY
The Richardson Hotel Buffalo


HarrisMartin's MDL Conference

July 24, 2024 - Portland, ME
The Westin Portland Harborview