'Business Interrupted: Policyholders Seek to Avoid the “Direct Physical Loss or Damage” Requirement for Business Interruption Insurance in the Wake of the COVID-19 Pandemic'

[Editor's note: Heidi Hudson Raschke, a shareholder at Carlton Fields in Tampa, Fla., has spent her legal career representing commercial insurance clients in complex coverage disputes. Amanda Proctor, an associate at Carlton Fields in Atlanta, represents and advises insurance carriers in complex coverage matters. Copyright 2020, Heidi Raschke and Amanda Proctor.]

The COVID-19 pandemic has swept the world, altering every aspect of daily life — whether it be a morning trip to the gym, a day at the office, a dinner at the Italian restaurant across the street, or a Friday night concert in the park. Businesses, particularly those …