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Heather Wright has experience in the trial and appellate litigation of a wide variety of commercial matters. She concentrates her practice on advising commercial insurance policy holders regarding coverage available through commercial general liability, directors and officers, errors and omissions and inland marine or contractors equipment insurance policies.

The “Physical Loss” Requirement for Business Interruption Claims Amid the CoronavirusThe massive economic disruption caused by the novel coronavirus pandemic raises questions about insurance coverage for business interruption losses from communicable disease. Does viral contamination constitute the “physical loss” required to trigger this type of coverage? Although courts have not yet provided guidance specific to COVID-19, past rulings suggest that coronavirus contamination may constitute physical

New Jersey to Legislate Business Interruption Coverage for COVID-19Commercial property insurance policies frequently include business interruption or loss of business income coverage when a covered “cause of loss” creates a slowdown or reduction in business income. Companies suspending operations due to the COVID-19 pandemic should assess the availability of insurance coverage for those losses, particularly under business interruption policies. Even if that coverage

Insurance Services Organization Revises Policy Forms to Address CannabisThe Insurance Services Office, Inc. (ISO), which develops standard insurance policy forms for use by insurers, recently released its first cannabis-related endorsements (Cannabis Endorsements) to the businessowner policy form. This new release provides five cannabis exclusion endorsements; two of the endorsements change property coverage for cannabis, and the other three endorsements change liability coverage for