This decision holds that losses due to COVID closures are not covered by the business income and extra expense coverage of a business insurance policy since to trigger coverage the loss must be due to an impairment of operations caused by direct physical loss or damage to property.  For there to be coverage under this policy language, some external force must have acted upon the insured property to cause a physical change in the condition of the property.  Public closure orders designed to reduce the spread of corona virus did not cause physical loss or damage to property.  And the presence of the virus on or in the property didn’t damage the property as it could easily be killed or removed with impairing the structures.  “Short lived” contamination that can be addressed by simple cleaning does not constitute direct physical loss.