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Massachusetts High Court Reheats Recipe in Restaurants' COVID-19 Insurance Denial

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Massachusetts High Court Reheats Recipe in Restaurants' COVID-19 Insurance Denial


In a ruling against an upscale restaurant chain, the Massachusetts Supreme Judicial Court has affirmed its 2022 ruling that the COVID-19 virus does not trigger business interruption insurance because it does not cause “direct physical loss or damage.”

Davio’s restaurant chain sought to recover under its all-risk business policy issued by Strathmore Insurance Co. for businesses losses it suffered due to service restrictions and remediation efforts necessitated by the COVID-19 pandemic

Strathmore, a subsidiary of Greater New York Mutual Insurance Co., denied Davio’s claims on the basis that the loss of business income was not “caused by direct physical loss of or damage to property,” as required under the policy. Davio’s filed suit and a Superior Court judge granted Strathmore’s motion to dismiss. The restaurants then appealed from the judgment of dismissal.

Strathmore was the defendant in the precedent-setting 2022 case in which it was sued by a different Boston-area restaurant group, Verveine Corp. The Verveine ruling was the first by a state supreme court on COVID-19-related business interruption claims filed against insurers across the country, the majority of which insurers have won.

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Noting the similarities between the Verveine and Davio’s cases, the Supreme Judicial Court said it discerned “no reason to distinguish ” the Davio’s case from the Verveine case two years ago and affirmed that ruling.

Massachusetts: First State Top Court Gives Industry a Win in Covid-19 Claims Case

Davio’s claimed that the virus became physically present at its restaurants and the presence of the virus caused it to take “extraordinary measures,” which included “closing certain operations and services, substantially modifying others, restricting access to many of the properties, enforcing physical distancing, and undertaking extensive active efforts to repair, restore, and remediate the facilities.”

The restaurant firm also maintained that some surfaces and objects retained residual infectious virus even after cleaning, and “no amount of cleaning could prevent aerosolized infectious particles from attaching to surfaces after cleaning.”

However, the restaurants were able to continue operating “at reduced levels” during the COVID-19 pandemic. Davio’s locations include Boston’s Seaport, Foxboro, Lynnfield, Braintree and Chestnut Hill.

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The high court faced the same question as it had addressed in Verveine — whether there was any “direct physical loss of or damage to” property — and again concluded that those words from the insurance policy require a physical alteration of the property and the COVID-19 virus did not physically alter or affect any of the insured property.

On the question of what constitutes a physical alteration of property, Verveine again provided the guidance that “property has not experienced physical loss or damage in the first place unless there needs to be active repair or remediation measures to correct the claimed damage or the business must move to a new location.”

Thus, the “evanescent presence of a harmful airborne substance that will quickly dissipate on its own, or surface-level contamination that can be removed by simple cleaning, does not physically alter or affect property.” In contrast, the “saturation, ingraining, or infiltration of a substance into the materials of a building or persistent pollution of a premises requiring active remediation efforts” does constitute a physical alteration.

The court noted that similar distinctions have been noted in COVID-19 insurance cases across the country and courts have reached the same conclusion “even when presented with detailed allegations regarding how the COVID-19 virus affects the air and surfaces around it.”

In Verveine, the Supreme Judicial Court assumed that the virus was physically present in the restaurants but explained that the suspension of business at the restaurants was “not in any way attributable to a direct physical effect on the plaintiffs’ property that can be described as loss or damage. As demonstrated by the restaurants’ continuing ability to provide takeout and other services, there were not physical effects on the property itself.”

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Davio’s specifically alleged that “there have been hundreds (if not thousands) of infected guests on-site since the pandemic’s outset.” But the high court found that these allegations do not show that the virus physically altered or affected the insured property in any way. Rather, they show the “evanescent presence of a harmful airborne substance,” and that there was no direct physical loss or damage to property.

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Massachusetts man indicted on murder charge in child’s 2017 death

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Massachusetts man indicted on murder charge in child’s 2017 death


WORCESTER, MA (WGGB/WSHM) – A Massachusetts man has been indicted in connection with the death of a child.

Laura French, spokesperson for the Worcester County District Attorney’s Office, said 35-year-old Steven Stuart of Auburn was indicted by a grand jury on a murder charge. The charge stems from the 2017 death of seven-year-old Jayden Carlson.

Stuart was convicted in September 2015 on a charge of assault and batter on a child causing serious bodily injury in connection with an August 2012 incident involving Carlson, who was two years old at the time. Stuart was sentenced to six to eight years in state prison for that conviction.

French added that Carlson suffered serious, “life-altering injuries and subsequently experienced ongoing medical complications” following the 2012 incident. Carlson died in December 2017 as a result of those injuries.

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Stuart has been arraigned on the indictment and is being held without bail. His next court date is scheduled for July 20.

Copyright 2026 Western Mass News (WGGB/WSHM). All rights reserved.



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Rent control question tossed from ballot, SJC cites religious exemptions

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Rent control question tossed from ballot, SJC cites religious exemptions


Massachusetts voters will not have the opportunity to decide whether to end a decades-long ban on rent control after the Supreme Judicial Court (SJC) ruled Tuesday that it must not appear on the November ballot, citing the exemptions for religious organizations included in the question.

The SJC ruled that the initiative petition “impermissibly” relates to religion and religious institutions – something the Massachusetts Constitution states cannot be involved in the initiative petition process.

It’s the second ballot initiative struck down by the SJC in less than a week where the high court cited errors made by Attorney General Andrea Campbell’s office, with justices issuing an opinion in May on a third ballot initiative regarding legislative stipends they said should not have been certified the AG’s office.

Last week, the SJC struck from the ballot a measure that would have gradually lowered the state income tax, citing a “misleading summary” authored by Campbell’s office. The SJC sided with Campbell on three other challenges to ballot initiatives certified by her office.

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But even with the Attorney General’s office committing errors on three of six ballot initiative certifications, Campbell is defending her staff, and even calls it a “great record.”

“We have 47 (ballot initiatives) that we approved, we have 44 we certified. We had six challenges, and we got three wrong. I think that’s a great record,” Campbell said when asked by the Herald if the her qualifications, as well as those of her staff, should be called into question.

“That just tells me we have more to do to be better. Any institution, whether it’s media outlets or any industry, if they can get it 100% right every time…that doesn’t happen. We own these mistakes, I own these mistake, and now we’ll move forward to improve our process to get it right the next time,” she said.

When it comes to the rent control decision, Campbell had certified the question for the ballot. She reacted to the court’s ruling to block it shortly after it was posted by the SJC .

“We got the rent control initiative, we certified it. But we, of course, have to respect the court’s decision which was against us, and we got that wrong,” Campbell admitted during her monthly appearance on GBH radio Tuesday morning.

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Campbell went on to say that her office attempted to explain in its summary, which appeared on the petition used to gather required signatures to qualify for the ballot, that religious institutions would be exempt from the law, if it were to pass.

The exemption for religious organizations controlling rental units was part of the language of the original petition.

“The court disagreed and said that even a minor reference to religion was not appropriate for a valid initiative, and we were just reviewing this. Obviously the decision just came out, and I think it was only the second time that the court has broken this standard, so it’s not like it happens frequently,” she said.

The plaintiffs, whom the SJC sided with in its ruling, claimed the petition should be disqualified because “religion is a factor in the application of the law,” citing a legal precedent that is key to the court’s ruling.

“The petition … concerns a generally secular subject matter — rent control. But, by including an express exemption for facilities operated solely for religious purposes, the petition impermissibly makes religion “a factor in [the petition’s] application.” And in order to enforce the proposed law, the exemption would require the government to determine if a facility is “operated solely for . . . religious . . . purposes,” and then make an enforcement decision based on the facility’s religious purpose (or lack thereof),” Justice Frank Gaziano in the SJC decision. “Further, the petition would confer preferential treatment on religious institutions by allowing them to increase rent prices, while limiting rent increases for secular facilities.”

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The AG’s summary of the proposal stated that the rent control measure “would not apply to … units operated for educational, religious, or non-profit purposes.” Campbell had certified the question for the ballot, using a process that she has called “stupid” and said needs to be “revamped.”

Several other organizations involved in the fight for and against rent control are weighed in on the ruling, with rent control proponents calling it  “disappointing,” and opponents celebrate.

“This decision is a massive disappointment after all the work that thousands of volunteers and advocates in every corner of the state put into qualifying our rent control initiative for the ballot, but it’s far from the end of our campaign to protect Massachusetts renters from excessive rent hikes,” said New England Community Project Executive Director, who also chairs the Keep Massachusetts Home campaign, adding that the plaintiffs were financed by  “equity-backed real estate investment corporations.”

Housing for Massachusetts – a nonprofit organization against the rent control initiative, called it “the nation’s most extreme” rent control proposal in a statement celebrating the ruling.

“Today the Supreme Judicial Court confirmed that the nation’s most extreme rent control proposal was unconstitutional. While we firmly believe that Massachusetts voters were prepared to vote ‘no’ in November, today’s decision puts the issue to rest and protects our housing pipeline and our communities from the proven damage that rent control inflicts,” the organization said. “We are incredibly grateful to the countless small property owners, real estate professionals, elected officials, and community leaders who supported our coalition, and we look forward to working together to create more homes and tackle affordability through real policy solutions.”

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The rent control question was the last of this year’s ballot questions still pending with the SJC.

Meanwhile, the SJC also ruled this week to allow a question to move forward that would switch the state’s primary election system to an all-party primary, proving to be a significant influence on what voters will decide on in the November election.



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Westboro police officer crowned Miss Massachusetts – Boston News, Weather, Sports | WHDH 7News

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Westboro police officer crowned Miss Massachusetts – Boston News, Weather, Sports | WHDH 7News


WESTBORO, MASS. (WHDH) – A Westboro police officer became the first officer to ever be crowned Miss Massachusetts over the weekend.

Ashlyn Mercier, who is from Worcester, highlighted her community service initative “Nick’s Courage: One Smile Goes A Mile.” It’s named after her younger brother Nick, who is a two-time pediatric cancer survivor.

“I created this initiative really just to give back to the community, and to provide hope for children who are battling critcal illnesses,” Mercier said.

Mercier said her fellow officers at the Westboro Police Department have been nothing but supportive of her win. She said she’s proud to represent police officers on a national stage.

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“The department has been so supportive, and it’s just really filled my heart with so much pride, and and so much joy on the Miss America stage, and also to represent law enforcement officers across the country,” she said. “I’m super thrilled and just honored to represent Miss Massachusetts 2026.”

She said pageantry and policing skills have crossover.

“The ability to perform on the spot as you are in pageantry, and in my job, responding to calls that require me to act quickly and respond with a calm, cool level-minded head,
these are all things I do in my role as Miss Massaschusetts, and my role as Officer Mercier,” she said.

Mercier is also set to compete in the Miss America pageant in September.

(Copyright (c) 2026 Sunbeam Television. All Rights Reserved. This material may not be published, broadcast, rewritten, or redistributed.)

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