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CONSOLIDATED v. WESTPORT INS

Index. No. 450839/21. Appeal No. 15410-15410A. Case Nos. 2021-02971, 2021-04034.

205 A.D.3d 76 (2022)

167 N.Y.S.3d 15

2022 NY Slip Op 02336

CONSOLIDATED RESTAURANT OPERATIONS, INC., Appellant, v. WESTPORT INSURANCE CORPORATION, Respondent.

Appellate Division of the Supreme Court of New York, First Department.

Decided April 7, 2022.

Attorney(s) appearing for the Case

Cohen Ziffer Frenchman & McKenna LLP, New York City ( Robin L. Cohen , Alexander M. Sugzda and Orrie A. Levy of counsel), for appellant.

DLA Piper LLP (US), New York City ( Aidan M. McCormack and Robert C. Santoro of counsel), for respondent.

Jenner & Block LLP, New York City ( Jeremy M. Creelan , Michael W. Ross , David M. Kroeger , Gabriel K. Gillett and David J. Clark of counsel), for The Restaurant Law Center and others, amici curiae.

Reed Smith LLP, New York City ( John N. Ellison and Richard P. Lewis of counsel), for The Chefs' Warehouse Inc., amicus curiae.

Covington & Burling LLP, New York City ( Andrew Hahn , Andrew Henley , and Rukesh Korde , of the bar of the District of Columbia, admitted pro hac vice, of counsel), for United Policyholders, amicus curiae.

Pillsbury Winthrop Shaw Pittman LLP, New York City ( E. Leo Milonas , Joseph D. Jean , Maria T. Galeno and Scott D. Greenspan of counsel), and Brian J. Isaac , New York City, for New York State Trial Lawyers Association, amicus curiae.

Robinson & Cole LLP, New York City ( Wystan M. Ackerman of counsel), for American Property Casualty Insurance Association, amicus curiae.

OING, KENNEDY, MENDEZ and SHULMAN, JJ., concur.

OPINION OF THE COURT

This appeal concerns the issue of whether the actual or possible presence of COVID-19 in plaintiff's restaurants caused "direct physical loss or damage" to its property, within the meaning of the insurance policy that plaintiff purchased from defendant. The issue...

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