Zurich American Insurance v. ABM Industries, Inc.

CARDAMONE, Circuit Judge:

The terrorist attack on the World Trade Center complex in lower Manhattan- on September 11, 2001 brought about a harvest of bitter distress and loss. Of the complex, one stone was not left on another, it was all thrown down, bringing about, in addition to human casualties, the loss and destruction of businesses. It is the loss of one business that is the focus of this appeal.

Appellant ABM Industries Incorporated (ABM, appellant, or insured), an engineering and janitorial service contractor, provided extensive services at the World Trade Center complex (WTC or…