State Farm Defeats Chiropractic Clinic’s Virus Coverage Suit

By Eli Flesch (March 29, 2022, 5:53 PM EDT) — A Louisiana chiropractic clinic isn’t entitled to coverage of its pandemic losses, a federal judge ruled, saying the clinic failed to allege the kind of physical losses required for coverage under its policy with a State Farm unit.

U.S. District Judge Robert R. Summerhays said in a Monday decision that Cohn Chiropractic Clinic didn’t allege tangible alterations to its Lafayette-based business that would be required for coverage under its State Farm Fire & Casualty Co. policy.

The ruling is yet another defeat for a policyholder seeking coverage for losses it sustained as a result of government-mandated pandemic restrictions. It’s also another…

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