It's been a difficult time for insurers and policyholders when it comes to determining liability and coverage for business interruption claims during the pandemic. The questions frequently revolve around local, state and federal orders to close a variety of businesses as the number of cases rose in early 2019. Now the courts are deciding many of these cases.

The U.S. Court of Appeals for the 10th Circuit is the latest court to find that an insurance company had no duty to cover business losses stemming from COVID-19 shutdown orders.

Goodwill Industries of Central Oklahoma Inc., a nonprofit that provides community services and operates retail stores and donation centers in the central portion of the Sooner State, suspended its operations on March 25, 2020, to comply with state and local orders regarding the pandemic, according to the appellate court's opinion.