223477P.pdf   12/11/2023  Armory Hospitality, LLC  v.  Philadelphia Indemnity Ins. Co.
   U.S. Court of Appeals Case No:  22-3477
   U.S. District Court for the District of Minnesota   
   [PUBLISHED] [Kobes, Author, with Gruender and Stras, Circuit Judges] 
   Civil case - COVID-19. Plaintiff had to close its business as a result of 
   executive orders issued by Minnesota's Governor during the pandemic, and 
   it sought to recover its business losses under the insurance policy it 
   carried with defendant; defendant refused coverage and plaintiff brought 
   this action. The district court did not err in dismissing the complaint on 
   the ground that the policy provisions plaintiff relied on - building 
   coverage clause and business income clause - did not provide coverage in 
   the absence of direct physical loss or damage to plaintiff's property -- 
   see Oral Surgeons, P.C. v. Cincinnati Inc. Co., 38 F.4th 4 (8th Cir. 2022) 
   and related cases; there was no coverage under the civil authority clause 
   in the policy because plaintiff could not show causation.