Key West Dive Shop Sues Tokio Marine for COVID-19 Losses

KEY WEST, Fla. — A dive shop in the Florida Keys has sued its insurer in an attempt to recoup business income losses caused by its government-mandated closure due to the COVID-19 pandemic.

In a complaint removed to the U.S. District Court for the Southern District of Florida on June 8, Horizon Dive Adventures Inc. d/b/a Horizon Divers says its insurer, Tokio Marine Specialty Insurance Co., wrongly denied its claim for coverage.

Throughout the month of March 2020, Florida lawmakers began ordering the shutdown of non-essential businesses and ordering citizens to stay at home in order to slow the spread …