The 2nd U.S. Circuit Court of Appeals in New York on Friday ruled against an upstate martial arts school asking that its insurance carrier cover losses related to pandemic closure. Kim-Chee LLC, which owns Master Gorino's Pil-Sung Tae-Kwon-Do in Amherst, N.Y., was appealing a ruling from last April when a U.S. District judge dismissed their lawsuit against the Philadelphia Indemnity Insurance Co.

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The courts ruled the martial arts school had to show physical loss or damage of property to be covered under their insurance policy. The case was being watched closely by other businesses, with the New York State Restaurant Association filing a brief on the school's behalf. The Buffalo News reported lawyers for the school will have to analyze their next step but plan to continue fighting for the policyholder's rights.