(October 14, 2022, 12:09 PM EDT) -- RIVERSIDE, Calif. — Breach of contract and bad faith claims alleged against a commercial property insurer cannot proceed because no coverage is owed to the insured for business income losses sustained as a result of shutdown orders issued in the wake of the COVID-19 pandemic as there was no direct physical loss to the insured’s property, the Fourth District California Court of Appeal said in affirming a trial court’s decision in favor of the insurer....