( November 18, 2025, 11:45 AM EST) -- SAN FRANCISCO — The Ninth Circuit U.S. Court of Appeals on Nov. 17 affirmed a district court’s ruling that an all-risk policy’s contamination exclusion XE "contamination exclusion" bars coverage for losses sustained during the COVID-19 pandemic, rejecting the insureds’ argument that the district court erred in finding that a California appellate panel’s ruling in a similar case is applicable to the instant dispute....