A group of small business owners in Kansas and Missouri can proceed with a lawsuit trying to make their insurance company pay for the income they missed out on during COVID-19 government shutdown orders, MarketWatch reported. In the Aug. 12 decision, a U.S. district judge for the Western District of Missouri ruled that the group of seven salons and restaurants ought to be covered by their “all-risk” insurance policies. The ruling could have broad implications as more businesses sue their insurance carriers for denying similar claims, observers say. In this case, the policies written by the Cincinnati Insurance Cos. did not define “physical loss,” so the judge had to make his own interpretation. In other early decisions, judges in Washington, D.C., Michigan and New York have recently sided with insurers’ contention that losses from government-mandated pandemic shutdowns do not constitute physical losses and have dismissed those cases.