212462P.pdf   04/22/2022  Monday Restaurants  v.  Intrepid Insurance Company
   U.S. Court of Appeals Case No:  21-2462
   U.S. District Court for the Eastern District of Missouri - St. Louis   
   [PUBLISHED] [Benton, Author, with Shepherd and Stras, Circuit Judges] 
   Civil Case - Diversity - Insurance. Two restaurants and a pediatric dental 
   practice sought coverage for loss of business income and extra expenses, 
   incurred during the COVID pandemic. The district court's grant of summary 
   judgment to insurers is affirmed. Coverage required direct physical loss 
   of or damage to property, and COVID was not physically present and nothing 
   physical happened to the property. There is no distinction between "loss 
   of" and "damage to" property, as ultimately, the trigger has to be a 
   physical loss.