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Supreme Court of Ohio - Case No. 2021-1529 EMOI Servs., L.L.C. v. Owners Ins. Co.
 
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EMOI Services LLC v. Owners Insurance Company, Case No. 2021-1529
Second District Court of Appeals (Montgomery County)

ISSUES:
- Does a businessowner's property insurance policy that covers "direct physical loss or damage to property" include losses from a ransomware attack?
- To avoid a claim of acting in bad faith, must an insurer secure an expert opinion before making a coverage decision?
August 2, 2022