Life Time, Inc. v. Zurich American Insurance Company
Syllabus
1. Under an insurance policy providing "interruption by communicable disease" coverage for an insured's losses that are "caused by order of an authorized governmental agency enforcing any law or ordinance regulating communicable diseases," governmental shutdown orders were the causes of the insured's losses for purposes of determining the number of occurrences under the policy, not the COVID-19 pandemic. 2. Under an insurance policy providing interruption by communicable disease coverage that defines an occurrence as all losses "attributable directly or indirectly to one cause or a series of similar or related causes," governmental shutdown orders issued by separate jurisdictions were not a "series," whereas governmental shutdown orders issued within one jurisdiction were a "series." Reversed and remanded.
Opinion Excerpt
STATE OF MINNESOTA IN COURT OF APPEALS A24-1501 Life Time, Inc., et al., Appellants, vs. Zurich American Insurance Company, Respondent. Filed August 11, 2025 Reve