Apple Annie, LLC v. Or. Mut. Ins. Co., No. A163300, 2022 Cal. App. LEXIS 753 (Ct. App. Sep. 2, 2022)

Joining Inns-by-the-Sea v. California Mutual Ins. Co. (2021) 71 Cal.App.5th 688 and many later decisions, this case holds that COVID-19 and the accompanying stay at home orders did not cause physical loss or damage to the insured’s business premises and so did not give rise to business interruption coverage under its CGL policy.