In its brief, UP argues four points relating to whether COVID-19 constitute physical loss or damage and whether the findings of previous courts preclude policyholders from being compensated for business interruptions.
- This case is not the proper vehicle for ruling on an issue that will affect thousands of Michigan businesses
- From the inception of the COID-19 pandemic, the insurance industry grossly misrepresented the state of the law on what courts have found constitutes physical loss or damage.
- Couch on Insurance misrepresented the state of the case law; and
- To preserve the integrity of the insurance regulatory process, MIC must be estopped from enforcing the virus or bacteria exclusions