Businesses Thought They Were Covered for the Pandemic. Insurers Say No.

Both the Soup Spoon Cafe and the Bistro, another restaurant Mr. Gavrilides owns in Ingham County, Mich., were in mint condition, so they didn’t qualify. The judge left little ambiguity, repeating the basis of her decision several times, and said there was no point in filing an amended complaint.

Mr. Gavrilides’s lawyer, Matthew J. Heos, said he has filed an appeal. In the meantime, Mr. Gavrilides, who pays an annual premium of $12,002 for his policy, is staying afloat with a loan from the federal government’s Paycheck Protection Program.

Dozens of minor-league baseball teams have sued Philadelphia Indemnity Insurance Company and others, saying the cancellation of their season qualifies them for business-interruption payments. Minor-league teams normally get their players from Major League Baseball, but none materialized this year. Some lease their stadiums from the cities they play in, and, with no revenue, they can’t make their lease payments. That, in turn, could threaten municipal bond payments and even the urban renewal plans that rely on minor-league baseball in some places.

A spokesman for Philadelphia Indemnity, Bill Procopio, said the company could not comment on pending litigation. The lawsuits are now pending in three federal courts.

The N.B.A.’s Houston Rockets have sued Affiliated FM Insurance Company in a state court in Rhode Island, where the insurer’s parent, FM Global Group, is based. The N.B.A. cut short its season this year, but the Rockets were hit especially hard when Houston emerged as a Covid-19 hot spot. The Toyota Center, where the Rockets play, is a co-plaintiff, having had to cancel rodeos, concerts, a barbecue cook-off and other events as well as basketball. The lawsuit said the loss of the arena was itself a form of “physical damage.”