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美国 – 法院裁定斯诺夸尔米印第安部落有资格获得因新冠疫情关闭而获得的赔偿金

The Snoqualmie Indian Tribe will be paid business interruption insurance via its policy with FM Global for losses accrued through the COVID-closures, according to a court ruling in a Washington state.

The tribe had a $150m ‘all-risk’ policy and so subsequently filed a claim with Affiliated FM but was told the insurance would only cover the $100,000 sublimit within the policy’s communicable disease section as there was no physical loss or damage to the casinos.

The judge ruled: “Because the phrase ‘all risks of physical loss or damage’ is stated in the disjunctive, the term ‘physical loss’ must mean something other than ‘damage’.”