Dental Chain Sues Citizens Insurance in Ill. Federal Court for COVID-19 Coverage

CHICAGO — The owner of a Chicago dental office chain has filed a class action against Citizens Insurance Company of America, seeking a declaratory judgment that the carrier is obligated to pay business losses arising from the COVID-19 pandemic.

In a May 6 complaint filed in the U.S. District Court for the Northern District of Illinois, Image Dental LLC says losses it suffered after government orders required it to stop performing “non-essential” dental procedures are covered under its policy’s “Business Income” coverage.

Image Dental further argues that the “Civil Authority” and “Extra Expense” provisions in the Citizens policy are triggered …