Mealey's (November 12, 2020, 9:28 AM EST) -- OKLAHOMA CITY — No coverage is afforded to an insured for business losses sustained as a result of state government-ordered business closures to prevent the spread of the novel coronavirus because the commercial lines policy’s virus or bacteria exclusion clearly precludes coverage for the virus and because the insured failed to show that it sustained a direct physical loss, an Oklahoma federal judge said Nov. 9 in granted the insurer’s motion to dismiss (Goodwill Industries of Central Oklahoma Inc., et al. v. Philadelphia Indemnity Insurance Co., No. 20-511, W.D. Okla., 2020 U.S. Dist. LEXIS 210408)....