(May 23, 2022, 1:30 PM EDT) -- LANSING, Mich. — No coverage is owed to an insured spa and salon for business losses sustained as a result of shutdown orders issued in the wake of the COVID-19 pandemic because the insured did not sustain a direct physical loss to its property and because the policy at issue includes a contamination exclusion that precludes coverage, the Michigan Appeals Court said May 19....