Badger Mutual Insurance Hit with Class Action Seeking COVID-19 Coverage

RENO, Nev. — The owners of three Las Vegas eateries have filed a class action complaint against Badger Mutual Insurance Co., demanding coverage for COVID-19-related business interruption losses.

In the April 28 complaint filed in the U.S. District Court for the District of Nevada, the plaintiffs contend their all-risk commercial property policies cover lost business income arising from orders of civil authority, such as the government stay-at-home orders issued in response to the pandemic.

Plaintiffs maintain the policy’s Civil Authority exclusion does not apply because the orders were not a result of any contamination of their property, and their property …