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HTR RESTAURANTS, INC. v. ERIE INS. EXCH.

No. 21 WAP 2022 No. 22 WAP 2022 No. 23 WAP 2022 No. 24 WAP 2022.

307 A.3d 49 (2023)

HTR RESTAURANTS, INC. d/b/a/ Siebs Pub, Individually and on Behalf of a Class of Similarly Situated Persons, 3382 Babcock Boulevard, Pittsburgh, PA 15327, Appellant v. ERIE INSURANCE EXCHANGE, 100 Erie Insurance Place, Erie, PA 16530, Appellee. Joseph Tambellini, Inc. d/b/a Joseph Tambellini Restaurant, 5701 Bryant Street, Pittsburgh, PA 15206, Appellant v. Erie Insurance Exchange, 100 Erie Insurance Place, Erie, PA 16530, Appellee. HTR Restaurants, Inc. d/b/a/ Siebs Pub, Individually and on Behalf of a Class of Similarly Situated Persons, 3382 Babcock Boulevard, Pittsburgh, PA 15327, Appellee v. Erie Insurance Exchange, 100 Erie Insurance Place, Erie, PA 16530, Cross-Appellant. Joseph Tambellini, Inc. d/b/a Joseph Tambellini Restaurant, 5701 Bryant Street, Pittsburgh, PA 15206, Appellee v. Erie Insurance Exchange, 100 Erie Insurance Place, Erie, PA 16530, Cross-Appellant.

Supreme Court of Pennsylvania.

Decided: December 8, 2023.

Attorney(s) appearing for the Case

Michael J. Boni, Esq. , Scott B. Cooper, Esq. , John P. Goodrich, Esq. , Goodrich & Associates, P.C., for Appellant HTR Restaurants, Inc. (21 WAP 2022).

James C. Haggerty, Esq. , Haggerty, Goldberg, Schleifer & Kupersmith, P.C., Jonathan Shub, Esq. , for Appellants HTR Restaurants, Inc., Siebs Pub, Joseph Tambellini, Inc., Joseph Tambellini Restaurant (21 WAP 2022).

Lauren Renee Nichols, Esq. , for Appellants HTR Restaurants, Inc., Siebs Pub (21 WAP 2022).

John Elliott Sindoni, Esq. , Joshua D. Snyder, Esq. , Boni, Zack & Snyder LLC, For Appellant HTR Restaurants, Inc. (21 WAP 2022).

Ciara Lucianna DeNaples, Esq. , Cipriani & Werner, P.C., Melinda C. Ghilardi, Esq. , Katie Nealon, Esq. , Munley Law, PC, For Appellees d/b/a Autobahn Tag & Title, Cheryl Simon d/b/a Cheryl's Studio, II, Lora Hobbs d/b/a Live With It, Social Victory Media, LLC d/b/a Autobahn Title & Tag (21 WAP 2022 and 22 WAP 2022).

Richard W. DiBella, Esq. , Paul K. Geer, Esq. , Dibella Weinheimer, Robert Timothy Horst, Esq. , Matthew Brandon Malamud, Esq. , Horst Krekstein & Runyon, LLC, Adam Jay Kaiser, Esq. , Frederick P. Santarelli, Esq. , Kristin A. Shepard, Esq. , for Appellee Erie Insurance Exchange (21 WAP 2022 and 22 WAP 2022).

Caroline M. Munley, Esq. , Munley Law PC, for Appellee Cheryl Simon d/b/a Cheryl's Studio, II (21 WAP 2022 and 22 WAP 2022).

Marion K. Munley, Esq. , Munley Law, for Appellees Cheryl Simon d/b/a Cheryl's Studio, II, Lora Hobbs d/b/a Live With It, Social Victory Media, LLC d/b/a Autobahn Title & Tag (21 WAP 2022 and 22 WAP 2022).

Michael J. Boni, Esq. , Scott B. Cooper, Esq. , John P. Goodrich, Esq. , James C. Haggerty, Esq. , Haggerty, Goldberg, Schleifer & Kupersmith, P.C., Lauren Renee Nichols, Esq. , Jonathan Shub, Esq. , Shub Law Firm LLC, John Elliott Sindoni, Esq. , Joshua D. Snyder, Esq. , Boni, Zack & Snyder LLC, for Appellant Joseph Tambellini, Inc. D/B/A Joseph Tambellini Restaurant (22 WAP 2022).

Sol H. Weiss, Esq. , Anapol Weiss, for Appellees Neighborhood Boxing Club, LLC, Glen Garry Properties, LP (22 WAP 2022).

Richard W. DiBella, Esq. , DiBella, Geer, McAllister & Best, PC, Paul K. Geer, Esq. , Dibella Weinheimer, Robert Timothy Horst, Esq. , Horst Krekstein & Runyon, LLC, Adam Jay Kaiser, Esq. , Matthew Brandon Malamud, Esq. , Timoney Knox, LLP, Frederick P. Santarelli, Esq. , Elliott Greenleaf, PC, Kristin A. Shepard, Esq. , for Appellant Erie Insurance Exchange (23 WAP 2022).

Michael J. Boni, Esq. , John Elliott Sindoni, Esq. , Joshua D. Snyder, Esq. , Boni, Zack & Snyder LLC, Scott B. Cooper, Esq. , John P. Goodrich, Esq. , Lauren Renee Nichols, Esq. , Goodrich & Associates, P.C., James C. Haggerty, Esq. , Haggerty, Goldberg, Schleifer & Kupersmith, P.C., Jonathan Shub, Esq. , for Appellee HTR Restaurants, Inc. (23 WAP 2022).

Caroline M. Munley, Esq. , Marion K. Munley, Esq. , Katie Nealon, Esq. , Munley Law, for Appellees Cheryl Simon d/b/a Cheryls Studio, II, Lora Hobbs d/b/a Live With It, Social Victory Media, LLC d/b/a Autobahn Title & Tag (23 WAP 2022).

Richard W. DiBella, Esq. , DiBella, Geer, McAllister & Best, PC, Paul K. Geer, Esq. , Tara L. Maczuzak, Esq. , Dibella Weinheimer, Robert Timothy Horst, Esq. , Horst Krekstein & Runyon, LLC, Adam Jay Kaiser, Esq. , Matthew Brandon Malamud, Esq. , Timoney Knox, LLP, Frederick P. Santarelli, Esq. , Elliott Greenleaf, PC, Kristin A. Shepard, Esq. , for Appellant Erie Insurance Exchange (24 WAP 2022).

Michael J. Boni, Esq. , John Elliott Sindoni, Esq. , Joshua D. Snyder, Esq. , Boni, Zack & Snyder LLC, Scott B. Cooper, Esq. , John P. Goodrich, Esq. , Lauren Renee Nichols, Esq. , Goodrich & Associates, P.C., James C. Haggerty, Esq. , Haggerty, Goldberg, Schleifer & Kupersmith, P.C., Jonathan Shub, Esq. , for Appellee Joseph Tambellini, Inc. D/B/A Joseph Tambellini Restaurant (24 WAP 2022).

Ciara Lucianna DeNaples, Esq. , Cipriani & Werner, P.C., Melinda C. Ghilardi, Esq. , Caroline M. Munley, Esq. , Marion K. Munley, Esq. , Katie Nealon, Esq. , Munley Law, for Appellees Cheryl Simon d/b/a Cheryls Studio, II, Lora Hobbs d/b/a Live With It, Social Victory Media, LLC d/b/a Autobahn Title & Tag (24 WAP 2022).

TODD, C.J., DONOHUE, DOUGHERTY, WECHT, MUNDY, BROBSON, JJ.

OPINION

Prior to and during the COVID-19 pandemic, Erie Insurance Exchange ("Erie") insured various businesses across the Commonwealth through policies that protected against business interruption losses. During the pandemic, federal and state authorities ordered the closure of certain businesses,...

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