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213738P.pdf   03/02/2023  Lindenwood Female College  v.  Zurich American Insurance Co.
   U.S. Court of Appeals Case No:  21-3738
   U.S. District Court for the Eastern District of Missouri - St. Louis   
   [PUBLISHED] [Melloy, Author, with Gruender and Erickson, Circuit Judges] 
   Civil case - Insurance. The district court did not err in determining that 
   plaintiff failed to make a plausible allegation of coverage for 
   COVID-related business operation losses; even if plaintiff could make an 
   argument that viral presence satisfies the physical requirement this court 
   has found necessary in prior cases, specific provisions of the policy in 
   question exclude coverage for viral contamination.