The businesses claim that the virus is a form of "physical loss" that would arise due to the coronavirus outbreak. A similar lawsuit was filed by Oceana Grill, a restaurant in New Orleans. The eatery claims that their establishment should be covered in their insurance policy's business interruption insurance. Because the restaurant was forced to close down for in-person seating, Oceana Grill claims that their insurance company should pay them for losses under their business interruption insurance policy.