Miami Gelato Shop Owner Says COVID-19 Emergency Caused Physical Loss or Damage

MIAMI — The owner of a Miami gelato shop has sued Voyager Indemnity Insurance Co., contending that the COVID-19 national emergency constitutes physical loss or damage to property, triggering coverage under its all-risk policy.

In a complaint removed to the U.S. District Court for the Southern District of Florida on Aug. 7, 4D USA LLC contends that as a direct result of the COVID-19 national emergency, and related civil authority orders closing non-essential businesses in Florida, its restaurant became unsafe for the public.

On March 17, Florida governor Ron DeSantis ordered all bars and restaurants in the state to close …