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Courts siding with insurance firms over business interruption claims | Business

A growing number of U.S. courts are ruling against employers who’ve filed insurance claims for business interruption coverage stemming from government-ordered coronavirus shutdowns.

The Insurance Information Institute reports insurers have won more than a dozen cases since May, with judges ruling that the policies only kick in if a property sustains physical damage. The business owners had argued that the coverage should have started when local or state governments issued stay-at-home orders that hampered their ability to operate.

A couple of Charleston-area cases are still pending in federal court. Black Magic Cafe says its losses started on March 17, when Gov. Henry McMaster ordered a temporary halt to dine-in services at South Carolina restaurants.

The historic Calhoun Mansion at 10 Meeting St., now known as The Williams Mansion, sued its insurer after a McMaster executive order shut down museums.



Charleston cafe takes on insurance firm in fight over coronavirus claims

A bill that would have required insurance carriers to cover coronavirus-related business losses — co-sponsored by Sen. Sandy Senn, a Charleston Republican, and Sen. Marlon Kimpson, a Charleston Democrat — was introduced in the S.C. Statehouse in April but went nowhere.

Recent court rulings indicate the local cases might be a losing cause.

For example, Judge Thomas Thrash last week dismissed a federal lawsuit brought by restaurant in Georgia, ruling that a government stay-at-home order did not cause the business to sustain direct physical loss of or damage to its insured property or surrounding premises.



Owner of Charleston's historic Calhoun Mansion suing insurer over COVID-19 claims

Similarly, a U.S. District Court judge in Florida last month dismissed a trade show display company’s claims, saying “the plain language of the policies reflect that actual, concrete damage is necessary.”

And in another ruling in California last month, Judge Cathy Ann Bencivengo ruled against a pair of barbershops, stating: “Most courts have rejected these claims, finding that the

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Rick Parry sparks civil war by siding with Liverpool and Man Utd in radical shake-up plan

Rick Parry has sparked civil war after cooking up a Premier League coup with Liverpool and Manchester United.

It has provoked a furious reaction from the Premier League, other top flight clubs and brought a stinging reaction from the Government.

A spokesman for the Department for Digital, Media, Culture and Sport said: ”We are surprised and disappointed that at a time of crisis when we have urged the top tiers of professional football to come together and finalise a deal to help lower league clubs there appear to be backroom deals being cooked up that would create a closed shop at the very top of the game.

“Sustainability, integrity and fair competition are absolutely paramount and anything that may undermine them is deeply troubling. Fans must be front of all our minds, and this shows why our fan led review of football governance will be so critical.”



Rick Parry holding a sign: Parry has sparked outrage among government, the Premier League and other top-flight clubs


© Andrew Fosker/BPI/REX/Shutterstock
Parry has sparked outrage among government, the Premier League and other top-flight clubs

The Premier League do not view it as a rescue plan but as a hostile takeover and even criticised EFL chairman Parry publicly in their own statement and Mirror Sport understands it has caused a huge rift between the two leagues, endangering any EFL bail out.

Liverpool’s owners Fenway Sports Group are believed to have initiated the plan, it has been supported by the United hierarchy but has been done without knowledge of the other clubs and is now in danger of collapsing before getting to first base.

The plan would give bigger clubs more power, the Premier League would be reduced to 18 clubs and an overhaul of the League Cup with the Community Shield scrapped in exchange for a £250m bail out for the EFL.



Pierre-Emerick Aubameyang holding a ball: The Community Shield would be scrapped as part of the new plans


© Nizaam Jones/JMP/REX/Shutterstock
The Community Shield would be scrapped as

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Siding with Big Pharma, Trump overrules FDA on stricter COVID-19 vaccine standards

Taking the advice of profit-driven pharmaceutical corporations over that of his own public health agencies and experts, President Donald Trump is blocking the Food and Drug Administration from imposing tougher safety requirements on the authorization of a coronavirus vaccine after drug company executives privately voiced disapproval with the push for stricter federal standards.

Politico reported late Monday that the White House’s “decision to halt release of new standards for emergency authorization of a Covid-19 vaccine came after officials close to [Trump] told the FDA that the pharmaceutical industry had objected to the tougher requirements.”

“The White House cited the private-sector opposition as a chief reason for blocking the guidelines, which aim to hold companies’ vaccines to a higher bar for safety and effectiveness and would likely push any authorization beyond Election Day,” according to Politico. “The fact that the president was siding with drug makers over his own regulators in shelving the guidance… adds a new dimension to concerns about White House interference in the FDA.”

Trump’s stonewalling of more stringent federal standards comes amid widespread concerns that the president’s politically motivated push for approval of a coronavirus vaccine before November 3 could result in a product that is insufficiently tested and unsafe. Late Monday, shortly after his release from Walter Reed National Military Medical Center, the president declared that “vaccines are coming momentarily”—a timeline scientists have rejected.

During the presidential debate last week with Democratic nominee Joe Biden, Trump dismissed more cautious vaccine timelines suggested by experts in his own administration as “very political” and said pharmaceutical executives have personally told him that “they can go faster than that by a lot.”

“I’ve spoken to Pfizer, I’ve spoken to all of the people that you have to speak to, Moderna, Johnson & Johnson, and others,” the president said.

When

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New roofing, siding or doors can help you fall in love with your home again | Sponsored Content



White Painted House Beside Green Grass Lawn copy.jpg

More and more homeowners are adding value to their properties by creating fun, practical, and inviting outdoor spaces. Porches, patios, fire pits, flower gardens, and children’s playsets all draw people outside.

When you’re thinking about these outdoor spaces, don’t forget about your home’s exterior as part of your design plans. It might not be the first thing you think about, but no matter what modification you’ll be making to your outdoor space, your home’s exterior will serve as the backdrop. So, the colors, textures, and materials of your roof, gutters, siding, and doors should not just be there to protect your home, but look amazing and bump your curb appeal.

Here are a few of those exterior features you should keep in mind, and how the pros at Greenawalt can help you build the home exterior of your dreams to make you fall in love with your home again – from the outside-in.

Roofing

Having a properly installed roof of quality materials and an outstanding warranty from a reputable company guarantees your home will weather the elements year round, and for decades to come.

Greenawalt is that company. With the most popular brand of shingles they carry, CertainTeed’s Landmark® line, you get a high-quality, heavy product backed by both a manufacturer’s warranty and a craftsmanship warranty with Greenawalt’s installation.

The Landmark® line also comes in a variety of colorful combinations from greys, light browns, blues or greens…just about any color! Since your roof is such a large portion of the exterior, selecting the right style and color is key to maximizing your home’s curb appeal and complementing your outdoor spaces.

But Greenawalt is more than just roofs! They also install gutters, siding, and doors.

Gutters

If your gutters and downspouts aren’t performing properly, rainwater will run off the roof and

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NTPC transports coal dump to railway siding amid protest | Ranchi News

Hazaribag/Ranchi: The management of NTPC’s Pakri-Barwadih coal project in Hazaribag’s Barkagaon block on Wednesday began transporting their mined coal to the nearest railway siding under heavy police protection after a section of their coal dump caught fire on October 2 after being exposed to heat for more than 36 days.
Mining of coal and its transportation from the project has been stalled since September 1 as residents of the villages displaced and affected by the project’s land acquisition have been protesting for higher compensation, led by Barkagaon MLA Amba Prasad.
After the fire was detected by NTPC authorities on October 2, district administration intervened, Hazaribag DC Aditya Kumar Anand said. “Of the eight coal pits where the mined coal is stored before transportation, three caught fire as they were exposed to surface heat because they were lying in the open for a month as the agitation had stopped coal transportation entirely,” Anand added.
Alongside Hazaribag SP Karthik S, his counterparts from Koderma, Chatra and Ramgarh arrived at the project site around 7am on Wednesday with over 1,000 policemen to ensure that the 8,500-odd displaced people (raiyyats), who come from 17 panchayats, do not obstruct the transportation. The SPs from the nearby districts were pressed into action by DIG (North Chotanagpur) A V Homkar to avoid a flare-up similar to the one that happened in 2016, where police firing had killed four demonstrators.
“We had no other alternative as the fire, which had started in one of the coal pits, could potentially become disastrous for the locality, the project and the underground coal reserves,” DC Anand said.
As per estimates of NTPC, around 5.5 lakh metric ton of coal worth Rs 55 crore was lying in open pits since September 1 as locals blocked the transportation of mineral to its nearest
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