

4
"A three-month-old West Village restaurant shut its dining room as diners — encouraged by officials to limit social contact — stayed away, and less than 24 hours after the owner closed the business she filed a business interruption claim hoping the policy would be a lifeline; hours later the governor ordered statewide restaurant dining-room closures, but the insurer denied coverage, leaving the owner pleading that even partial payouts (for example, modest one-time sums to help reopen and rehire staff) could make the difference for small, independently owned restaurants." - Matthew Sedacca