Insurers have consistently rejected claims filed by restaurants seeking business interruption coverage.

A breach of contract complaint was filed in San Francisco County Superior Court for two restaurants that were denied coverage by insurers claiming a “virus exclusion” — one of many lawsuits filed by restaurants against their insurers in state and federal court that are adopting different arguments depending on the language of the insurance policies.

“State and federal courts may issue joint coordination orders that are limited to discovery but separate the cases based on the plaintiff and the specific language in the insurance policy,” said Richard Giller, a Pillsbury partner who represents policyholders. “It’s going to come down to policy wording.”