This decision holds that the insured’s original complaint failed to allege a covered business interruption loss due to COVID-19 stay-at-home orders. However, it also holds that it was error to deny the insured leave to amend since the demurrer had been sustained to the insured’s original complaint, the insured requested leave to amend and described in some detail what additional facts it could alleged, and this was a developing area of the law at the time the complaint was filed.