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213087P.pdf   02/27/2023  Mark Rossi  v.  Arch Insurance Company
   U.S. Court of Appeals Case No:  21-3087
   U.S. District Court for the Western District of Missouri - Kansas City   
   [PUBLISHED] [Kelly, Author, with Smith, Chief Judge, and Grasz, Circuit 
   Judge] 
   Civil case - Insurance. When plaintiffs purchased an Ikon multi-resort ski 
   pass, they also bought an optional "Ski Pass Preserver" insurance policy 
   from defendant for the 2019-2020 ski season; plaintiffs' use of the Ikon 
   pass was impacted by COVID-19 restrictions, and they sought reimbursement 
   for the lost part of the ski season, arguing they were "quarantined" 
   within the meaning of the policy; while the word is not defined in the 
   policy, read together with the surrounding conditions, the word quarantine 
   implies a restriction akin to compulsory or compelled isolation; 
   plaintiffs did not suffer quarantine within the meaning of the policy's 
   coverage; the complaint did not plausibly allege that the stay-at-home 
   orders and related ski resort closures were quarantines within the meaning 
   of the insurance policy and thus did not plausibly allege a loss based on 
   a covered event. Judge Grasz, concurring in the judgment.