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UNCORK AND CREATE LLC v. CINCINNATI INSURANCE CO.

No. 21-1311.

27 F.4th 926 (2022)

UNCORK AND CREATE LLC, Plaintiff-Appellant, v. The CINCINNATI INSURANCE COMPANY; The Cincinnati Casualty Company; The Cincinnati Indemnity Company, Defendants-Appellees. American Property Casualty Insurance Association; National Association of Mutual Insurance Companies, Amici Supporting Appellees.

United States Court of Appeals, Fourth Circuit.

Decided: March 7, 2022.

Attorney(s) appearing for the Case

ARGUED: James Christopher Martin , REED SMITH LLP, Pittsburgh, Pennsylvania, for Appellant. Daniel G. Litchfield , LITCHFIELD CAVO LLP, Chicago, Illinois, for Appellees. ON BRIEF: Gary F. Lynch , Kelly Iverson , CARLSON LYNCH, LLP, Pittsburgh, Pennsylvania; Kevin W. Thompson , David R. Barney, Jr. , THOMPSON BARNEY , Charleston, West Virginia; George L. Stewart II , Colin E. Wrabley , Matthew J. Louik , Elizabeth L. Taylor , REED SMIITH LLP, Pittsburgh, Pennsylvania, for Appellant. Trisha A. Gill , Pittsburgh, Pennsylvania, Alan I. Becker , LITCHFIELD CAVO LLP, Chicago, Illinois, for Appellees. Wystan M. Ackerman , ROBINSON & COLE LLP, Hartford, Connecticut; George E. Reede, Jr. , ZELLE LLP, Washington, D.C.; Laura A. Foggan , CROWELL & MORING LLP, Washington, D.C., for Amicus Curiae.

Affirmed by published opinion. Senior Judge Keenan wrote the opinion, in which Judge Harris and Judge Rushing joined.

In this insurance coverage dispute, an insured seeks coverage for lost business income and other expenses resulting from the Covid-19 virus and a related, stategovernment order temporarily halting non-essential business activities. Upon our review, we hold that, under West Virginia law, the policy language...

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