( November 3, 2025, 1:47 PM EST) -- HONOLULU — The Hawaii Intermediate Court of Appeals determined that a restaurant and bar owner insured established that there is a genuine issue of material fact regarding whether its business interruption was “caused by direct physical loss of or damage to property” at its insured premises and that its commercial insurer did not establish that any policy exclusion barred coverage, vacating a lower court’s judgment in favor of the insurer and remanding for further proceedings....