In 2004 Arthur Aaron and Mark Steinberg formed New Jersey corporation, A & M Cards Worldwide, Inc. Cards, whose business is not described by either Trial Court or Appellate Division. Aaron v. Ortega, Ortega & Di Leonardo, and Does 11 to 20, and Sara Kety LLC.
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The ongoing COVID-19 pandemic has impacted the United States economy in a profoundly negative manner. Retail stores, restaurants and other direct-customer-facing businesses have been especially hard hit. Throughout the U.S., most states and municipalities have at various points throughout the pandemic issued “shut down” orders to businesses in order to mitigate the spread of the virus. Businesses complied and suffered tremendous losses as a result. As we forecasted, many businesses subsequently filed claims with their commercial liability insurers, typically claiming that their losses are covered under the “business interruption” or the “civil authority” provisions of their policies. Those provisions are generally intended to provide coverage as follows: