Florida judge tosses dentist's COVID-19 insurance case

A Florida judge dismissed a lawsuit brought against Hartford Casualty Insurance by Raymond Nahmad, DDS, in which he sought coverage for his two dental practices' loss of revenue early in the pandemic, according to Law360.

Dr. Nahmad's two practices sued Hartford Casualty Insurance in May, alleging that the company breached its contract by refusing to cover the businesses' revenue losses induced by state-mandated office closures during the early weeks of the pandemic.

U.S. District Judge Beth Bloom ruled in favor of the insurance company, saying that Dr. Nahmad's revenue losses were not covered by his policy, Law360 reported.

"As an initial matter, business income is not included within the list of covered property under the policy," Ms. Bloom said during the ruling. "In fact, money and accounts are expressly excluded from the definition. But more importantly, the complaint itself alleges that there were no physical harms to the insured premises because plaintiffs' injuries are purely economic."

Ms. Bloom added that even if revenue loss had been covered by the insurance company, its virus exclusion would still apply and prevent coverage for Dr. Nahmad's revenue losses.

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