(March 17, 2022, 12:50 PM EDT) -- ELGIN, Ill. — An Illinois appeals panel on March 15 affirmed a lower court’s ruling in favor of a commercial property insurer in a café owner insured’s declaratory judgment lawsuit arising from the coronavirus pandemic, finding that the partial loss of the insured’s use of its premises was not sufficient to assert a “direct physical loss of or damage to” its property to trigger business interruption or extra expense additional coverage....