UNITED STATES DISTRICT COURT

NORTHERN DISTRICT OF ILLINOIS

EASTERN DIVISION

IMAGE DENTAL, LLC, individually and

on behalf of all others similarly situated,

Plaintiff

v.

CITIZENS INSURANCE COMPANY OF 

AMERICA,

Defendant

______________________________________

 Civil Action No. 1:20-cv-02759

Judge Steven C. Seeger

AMENDED COMPLAINT FOR

DECLARATORY JUDGMENT

CLASS ACTION

SECOND AMENDED CLASS ACTION COMPLAINT

Plaintiff Image Dental, LLC (“Image”), individually and on behalf of the other members 

of the below-defined nationwide classes, (collectively the “Class”), brings this class action against

Defendant Citizens Insurance Company of America (“Citizens”), and respectfully shows as 

follows:

I. INTRODUCTION

1. Image is the owner and operator of dental offices in the Chicago area. Image has 

been forced, by recent orders of the State of Illinois, to cease most of its operations as part of the 

State’s efforts to slow the spread of the COVID-19 Pandemic. The State has deemed elective 

dental work that is not an emergency as “non-essential” and, through various orders, prohibited 

elective dental procedures. This type of work comprises the vast majority of Image’s business.

2. Image purchased business interruption insurance from Citizens Insurance 

Company of America to protect itself from situations like these, which threaten the existence of 

Image’s livelihood and business. The “Businessowners Coverage Form” in the policy provides 

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“Business Income” coverage, in which Citizens agrees to pay for loss of “Business Income” due 

to the necessary “Suspension” of “operations.”

3. The “Businessowners Coverage Form” in the policy also provides “Civil 

Authority” coverage, in which Citizens agrees to pay for loss of income caused by the action of a 

civil authority that prohibits access to insured premises.

4. The Businessowners Coverage Form also includes “Extra Expense” coverage that 

provides for additional costs and expenses that are necessary to continue operations after an 

interruption to business operations has occurred.

5. Citizens is obligated, but has refused, to provide coverage under the policy for 

losses incurred due to suspension of Image’s operations as a result of covered causes of loss.

6. Image timely paid its premiums in exchange for the promised coverage and its 

claim for coverage has been denied. 

7. Upon information and belief, Citizens has, on a wide scale and uniform basis, 

refused to pay its insureds under its Business Loss, Civil Authority, and Extra Expense provisions. 

In a letter to Image denying coverage, Citizens’ agent stated “Your Business Owners Policy does 

not extend coverage for the business income due to the Coronavirus. We are not aware of any

insurance policy that would provide coverage, this is an industry wide standard.” (emphasis in 

original).

II. JURISDICTION AND VENUE

8. This Court has jurisdiction over this action pursuant to 28 U.S.C. § 1332, because 

Defendant and at least one Class Member are citizens of different states, and because the Class 

consists of at least 100 members and the amount in controversy exceeds $5,000,000 exclusive of 

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interest and costs. Plaintiff is a citizen of Illinois because its sole member is an Illinois citizen, 

and Defendant is a citizen of Michigan. 

9. Venue is proper in this District under 28 U.S.C. § 1391, because Defendant 

conducts business in this District, Class Members are likely located in this District, and certain 

of the acts and conduct giving rise to the claims occurred within the District.

III. PARTIES

10. Plaintiff Image Dental, LLC is a provider of dentistry located at 3020 S. Cicero 

Ave., Cicero, IL. Image also has offices in Chicago, Summit Argo, and Oakbrook, Illinois. The 

sole member and Manager of Image Dental, LLC is Dr. Sinan Razzak, a citizen of Illinois who 

resides in Chicago.

11. Defendant Citizens Insurance Company of America is a corporation with its 

headquarters located at 808 N. Highlander Way, Howell, Michigan. Citizens is authorized to write, 

sell, and issue insurance policies providing property and business income coverage in Illinois and 

throughout the United States. 

IV. FACTUAL ALLEGATIONS

A. The Citizens policy covers losses due to business interruption, extra expense, 

and losses caused by the action of civil authorities. 

12. Citizens issued Policy No. OBC-H180952-00 to Image. Upon information and 

belief, this policy is similar in all material respects to policies issued to other Class Members.

13. In exchange for substantial premiums, Citizens agreed to pay for Image’s losses, 

including losses for Business Income, Extra Expense, and Civil Authority. 

14. The policy is an “all risk” policy that covers all “direct physical loss of or damage

to Covered Property at the premises . . .” (emphasis added).

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15. “All risk” policies cover all damage from all sources unless specifically excluded. 

The policy defines Covered Cause of Loss as “Risks of direct physical loss” unless the loss is 

excluded.

16. The covered properties for which insurance is provided include 3030 S. Cicero 

Ave., Cicero, IL; 3346 W. Lawrence Ave., Chicago, IL; 17W679 Roosevelt Rd, Oakbrook, IL; 

3003 W. 26th St., Chicago, IL; 7250 S. Cicero Ave., Chicago, IL; 3600 W. Belmont Ave, Chicago, 

IL; 5836 S. Harlem Ave., Summit Argo, IL. 

17. The policy includes Additional Coverages for Business Income, Extra Expenses, 

and Civil Authority.

18. With respect to Business Income, Citizens “will pay for the actual loss of Business 

Income you sustain due to the necessary ‘suspension’ of your ‘operations’ during the ‘period of 

restoration.’ The ‘suspension’ must be caused by direct physical loss of or damage to property at 

the described premises. The loss or damage must be caused by or result from a Covered Cause of 

Loss.”

19. “Suspension” is defined as “The partial slowdown or complete cessation of your 

business activities.”

20. “Period of restoration” “means the period of time that begins (a) after the number 

of hours shown as the Business Income Waiting Period in the Declarations after the time of direct 

physical loss or damage for Business Coverage or (b) Immediately after the time of direct physical 

loss or damage for Extra Expense Coverage.”

21. As alleged herein, “Business Income” is net income that Image and Class Members 

would have earned or incurred if no physical loss or damage had occurred, and continuing normal 

operating expenses incurred, including payroll expenses. “Extra Expense” are costs that Image and 

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Class Members incurred during the “period of restoration” of the Covered Property that would not 

have been incurred if there had been no direct physical loss or damage to the Covered Property.

22. By the Business Income coverage, Citizens agreed to pay for Image’s and Class 

Members’ actual losses of business income suffered during the suspension of Image’s and Class 

Members’ businesses. Coverage runs through the “Period of Restoration,” which is ongoing due 

to direct physical loss of use of the properties for their usual purposes as a result of government 

orders. 

23. Losses due to governmental orders physically barring Image and Class Members

from using their properties as intended, is a physical loss of those properties and is a “Covered 

Loss” under the policy. 

24. Under the policy “Extra Expense means reasonable and necessary expenses you 

incur during the ‘period of restoration’ that you would not have incurred if there had been no direct 

physical loss of or damage to property caused by or resulting from a Covered Cause of Loss.”

25. Extra Expense coverage includes costs incurred to “[a]void or minimize the 

‘suspension’ of business and to continue ‘operations’ at the described premises or at replacement 

premises or temporary locations, including relocation expenses and costs to equip and operate the 

replacement premises or temporary locations; or . . . [m]inimize the ‘suspension’ of business if 

you cannot continue ‘operations.’”

26. Extra Expense also includes costs “to repair or replace the property, but only to the 

extent it reduces the amount of loss that otherwise would have been payable under . . . Business 

Income.”

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27. Civil Authority coverage under the policy provides added Business Income and 

Extra Expense coverage when physical loss to property within one mile of Image’s premises 

results in a civil authority prohibiting access to Image’s premises.

28. The policy provides payment for “the actual loss of Business Income you sustain 

and reasonable and necessary Extra Expense you incur caused by action of civil authority that 

prohibits access to the described premises.”

29. Losses caused by orders issued by local, state, and federal authorities triggered the 

Business Income, Extra Expense, and Civil Authority provisions of the Citizens policy.

30. Nothing in the policy excludes losses from a pandemic, such as that that caused 

authorities to issue the orders in question. 

B. Image Dental and Class Members suffered covered losses due to the COVID19 Pandemic and the resulting Closure Orders.

31. On March 11, 2020, the World Health Organization declared that the emerging 

threat from the novel coronavirus – also known as COVID-19 – constituted a global pandemic.

32. The presence of a virus is a physical interaction with property, making it dangerous 

and less valuable. The damage is direct, in that the presence of virus particles alone is enough to 

make the property dangerous and less valuable.

33. The presence of a virus also results in a direct physical loss of property, as use of 

or access to the property may be limited or prohibited.

34. On March 16, the American Dental Association (“ADA”) recommended 

“dentists nationwide postpone elective procedures for the next three weeks.” The ADA 

determined that “Concentrating on emergency dental care will allow us to care for our emergency 

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patients and alleviate the burden that dental emergencies would place on hospital emergency 

departments.”

35. In response to the pandemic, and the spread of the coronavirus in Chicago and 

throughout Illinois, Illinois Governor Pritzker issued Executive Order 2020-10 on March 20, 2020, 

ordering all “non-essential” businesses to close and allowing individuals to leave their residence 

only to perform tasks “essential to their health and safety.”

36. Insurance companies including Citizens know that viruses cause physical damage 

to property.

37. In July of 2006 the Insurance Service Office (“ISO”), an insurance industry and 

advisory company, issued a circular that “introduces [a] new endorsement...Exclusion Of Loss 

Due To Virus or Bacteria, which states that there is no coverage for loss or damage caused by or 

resulting from any virus, bacterium or other microorganism that induces or is capable of inducing 

physical distress, illness or disease.”

38. The July 2006 ISO circular explained “Disease-causing agents may render a 

product impure (by changing its quality or substance), or enable the spread of disease by their 

presence on interior building surfaces or the surfaces of personal property. When disease-causing 

viral or bacterial contamination occurs, potential claims involve the cost of replacement of 

property (for example, interior building surfaces), and business interruption (time element) 

losses.”

39. The physical presence of COVID-19 caused direct physical loss of or damage to 

each covered property under the Policy of Image Dental and other Class members. The damage 

caused by presence of COVID-19 resulted in the physical loss of the property and it was necessary 

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to shut down or limit access to the property for business operations due to damage to Plaintiff’s

property and that of nearby property.

40. The vast majority of Image’s practice consists of performing elective dental 

procedures such as routine prophylaxis and cleaning, and cosmetic procedures that are not 

considered “essential” under the order.

41. On April 1, the ADA extended its recommendation for dentists to keep their offices 

closed to all but emergency services “until April 30 at the earliest.”

42. On April 6, The Centers for Disease Control issued guidance recommending that 

dental facilities postpone elective procedures, surgeries, and non-urgent dental visits.

43. On April 20, 2020, the Illinois State Dental Society (“ISDS”) wrote to Governor 

Pritzker detailing losses and damage to dental practices and noting, “[i]n keeping with your ‘Stay 

at Home’ Executive Order No. 8, almost 100% of Illinois’ dental offices are closed to all but 

emergency procedures.”

44. The ISDS went on to note that polling results showed 18% of dentists would not be 

able to sustain their practices if the shutdown ended in June, and 46% of dentists responded their 

practices would not survive if offices remained closed until August.

45. On April 30, Executive Order 2020-32 extended the prohibition on non-essential 

services until May 29, 2020 (together with other Order 32-10, the “Closure Orders”). The premise 

of the Closure Orders is that COVID-19 is physically present in Plaintiff’s covered property as 

well as physically present in properties within one mile of Plaintiff’s property.

46. The Closure Orders resulted in “direct physical loss of” each “Covered Property” 

under the policy by denying and limiting the use of the Covered Property and causing a 

suspension of operations during the restoration period. As a result of the Closure Orders, Plaintiff 

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and Class Members were no longer able to access or use their premises for their usual services, 

and the property was lost to Plaintiff and Class Members.

47. The Closure Orders limit and restrict business hours; require closure of certain 

businesses altogether; limit services that may be performed; and deny physical use of the 

property to Plaintiff and Class members. 

48. As a result of the Closure Orders, Plaintiff and other Class Members lost business 

income and incurred extra expense.

49. Image submitted a claim to Citizens. In a letter to Plaintiff denying coverage, 

Citizens’ agent stated “Your Business Owners Policy does not extend coverage for the business 

income due to the Coronavirus. We are not aware of any insurance policy that would provide 

coverage, this is an industry wide standard. Business or BI is covered within the BOP, but only 

when it’s triggered by a direct physical loss to the insured property.” (all emphasis in original).

V. CLASS ACTION ALLEGATIONS

50. Plaintiff brings this action pursuant to Rules 23(a), 23(b)(1), 23(b)(2), 23(b)(3), and 

23(c)(4) of the Federal Rules of Civil Procedure, individually and on behalf of all others similarly 

situated. Plaintiff seeks to represent the following classes of Citizens policyholders for purposes 

of obtaining declaratory judgment: 

51. The “Business Income Class”: All persons and entities with Business Income 

coverage under an insurance policy issued by Citizens that suffered an interruption of business 

as a result of Closure Orders affecting the premises covered by the business income coverage. 

52. The “Extra Expense Class”: All persons and entities with Extra Expense coverage 

under a policy issued by Citizens that paid or incurred costs in seeking to minimize the suspension 

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of business in connection with Closure Orders affecting premises covered by their Citizens

property insurance policy. 

53. The “Civil Authority Class”: All persons and entities with Civil Authority 

coverage under a policy issued by Citizens that suffered loss of Business Income and/or Extra 

Expense caused by the action of civil authority. 

54. Defendant and any of its members, affiliates, parents, subsidiaries, officers,

directors, employees, successors, or assigns; governmental entities; and the Court staff assigned

to this case and their immediate family members are excluded from each class. 

55. Each of the Rule 23 requirements are satisfied here. 

56. There is “numerosity” under Rule 23(a)(1) because Class Members are so 

numerous that joinder is impracticable. On information and belief Class Members consist of 

hundreds or more of persons and entities across the United States. 

57. Class Members are ascertainable because they can be readily identified based on 

Defendant’s records, including insurance policies issued by Defendant and electronic databases 

maintained by Defendant that identify Class Members by their names, policies, or other 

personally identifiable information, including their addresses and the Covered Property under 

their policies. 

58. “Commonality” and “predominance” may be established under Rule 23(a)(2) and 

Rule 23(b)(3) because this action involves common issues of law and fact that determine coverage 

under the policies at issue here. Such questions include, but are not limited to:

• Whether Plaintiff and Class Members paid premiums in exchange for all-risk 

property policies containing Business Income, Extra Expense, and Civil Authority 

coverage; 

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• Whether Class Members suffered a covered loss based on the Business Income, 

Extra Expense, or Civil Authority coverage;

• Whether Closure Orders triggered a covered loss under the Business Income, Extra 

Expense, or Civil Authority coverage;

• Whether Defendant improperly denied claims for coverage under the Business 

Income, Extra Expense, or Civil Authority coverage based on the position these 

provisions do not cover Closure Orders;

• Whether Defendant breached its obligations under insurance policies with Business 

Income, Extra Expense, or Civil Authority coverage by denying claims en masse;

• Whether Plaintiff and Class Members are entitled to a declaratory judgment that 

Closure Orders trigger coverage under Business Income, Extra Expense, or Civil 

Authority coverage; and 

• Whether Plaintiff and Class Members are entitled to attorneys’ fees, court costs, 

and other costs incurred in prosecuting this class action litigation. 

59. Plaintiff’s claims are typical of other Class Members’ claims for purposes of Rule 

23(a)(3) because, on information and belief, Defendant has issued blanket denials of coverage 

based on a uniform policy to not pay out claims for COVID-19 related Closure Orders and related 

claims for Business Income, Extra Expense, or Civil Authority coverage. Plaintiff’s injuries, like 

those of other Class Members, are caused directly by these denials of coverage. 

60. Plaintiff is an adequate class member under Rule 23(a)(4) because Plaintiff’s 

interests are aligned with those of other Class Members. Plaintiff has retained counsel experienced 

in class action litigation, and insurance recovery. Plaintiff is willing, ready, and able to prosecute 

this action against Defendant on behalf of other policyholders. 

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61. For purposes of Rule 23(b)(1) and Rule 23(b)(3), maintaining a class action is 

superior to individual litigation of Business Income, Extra Expense, or Civil Authority coverage 

because of the inherent risk of inconsistent results on common factual and legal issues that arise 

from common facts. These coverage issues and Defendant’s position with respect to COVID-19 

should be determined on a representative basis to achieve efficiency and finality. Individual 

litigation will only result in delay and differing legal standards applying to the same challenged 

conduct. 

62. For purposes of Rule 23(b)(2), Defendant’s actions are equally applicable to 

Plaintiff and Class Members such that the wrongdoing may be addressed by declaratory relief, 

including a declaratory judgment concerning coverage under Business Income, Extra Expense, or 

Civil Authority coverage relating to COVID-19. 

VI. LEGAL CLAIMS

COUNT I: DECLARATORY JUDGMENT 

(On Behalf of the Business Interruption Class)

Plaintiff incorporates and re-alleges the allegations in Paragraphs 1-56. 

63. The Citizens policy is an insurance contract under which Image and Class Members 

paid premiums in exchange for Citizens’ promise to pay claims for losses covered by the policy, 

including but not limited to losses of business income.

64. Image and Class Members complied with all applicable provisions of the Citizens 

policy, including payment of premiums. 

65. Citizens has arbitrarily and without justification refused to reimburse Image and 

Class Members for any losses incurred in connection with the covered losses related to the Closure 

Orders and the resulting suspension of business.

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66. Citizens has denied claims for business interruption on a uniform and class wide 

basis, stating it is “not aware of any insurance policy that would provide coverage” and that such 

denial was an “industry wide standard.” As such, the Court can effectively issue a declaratory 

judgment that would give all Class Members relief in determining their rights with respect to 

Business Income coverage in their Citizens policies.

67. An actual controversy exists between the rights of Image and other Class Members

and Citizens’ obligations under the policy to reimburse Image and Class Members for the full 

amount of losses incurred by Image and Class Members in connection with Closure Orders and 

damage caused by the suspension of their operations. 

68. Image and other Class Members are entitled to a declaratory judgment under 28 

U.S.C. § 2201 that:

(a) For purposes of Business Income coverage, Image’s and the other Class Members’ 

losses incurred in connection with necessary interruption of their businesses due to Closure 

Orders are insured losses under the policy; 

(b) Citizens has waived any right it may have had to assert defenses to coverage or 

otherwise seek to bar or limit coverage for Image’s and Class Members’ losses by issuing 

a blanket denial, through its agent, without conducting an investigation as required under 

Illinois law;

(c) Citizens is obligated to pay Image and other Class Members for the full amount of the 

losses incurred and to be incurred for Business Income Coverage.

COUNT II: DECLARATORY JUDGMENT 

(On Behalf of the Civil Authority Class)

Plaintiff incorporates and re-alleges the allegations in Paragraphs 1-56. 

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63. The Citizens policy is an insurance contract under which Image and Class Members 

paid premiums in exchange for Citizens’ promise to pay claims for losses covered by the policy, 

including but not limited to losses due to Civil Authority Actions.

64. Image and Class Members complied with all applicable provisions of the Citizens 

policy, including payment of premiums. 

65. Citizens has arbitrarily and without justification refused to reimburse Image and 

Class Members for any losses incurred in connection with the covered losses related to the Closure 

Orders and the resulting suspension of business.

66. Citizens has denied claims for business interruption on a uniform and class wide 

basis, stating it is “not aware of any insurance policy that would provide coverage” and that such 

denial was an “industry wide standard.” As such, the Court can effectively issue a declaratory 

judgment that would give all Class Members relief in determining their rights with respect to 

Business Income coverage in their Citizens policies.

67. An actual controversy exists between the rights of Image and other Class Members

and Citizens’ obligations under the policy to reimburse Image and Class Members for the full 

amount of losses incurred by Image and Class Members in connection with Closure Orders and 

damage caused by the suspension of their operations. 

68. Image and other Class Members are entitled to a declaratory judgment under 28 

U.S.C. § 2201 that:

(a) For purposes of Civil Authority Coverage, Image’s and the other Class Members’ 

losses incurred in connection with necessary interruption of their businesses due to Closure 

Orders are insured losses under the policy; 

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(b) Citizens has waived any right it may have had to assert defenses to coverage or 

otherwise seek to bar or limit coverage for Image’s and Class Members’ losses by issuing 

a blanket denial, through its agent, without conducting an investigation as required under 

Illinois law;

(c) Citizens is obligated to pay Image and other Class Members for the full amount of the 

losses incurred and to be incurred for Civil Authority Coverage.

COUNT III: DECLARATORY JUDGMENT 

(On Behalf of the Extra Expense Class)

Plaintiff incorporates and re-alleges the allegations in Paragraphs 1-56. 

69. The Citizens policy is an insurance contract under which Image and Class Members 

paid premiums in exchange for Citizens’ promise to pay claims for losses covered by the policy, 

including but not limited to losses due to Extra Expense.

70. Image and Class Members complied with all applicable provisions of the Citizens 

policy, including payment of premiums. 

71. Citizens has arbitrarily and without justification refused to reimburse Image and 

Class Members for any losses incurred in connection with the covered losses related to the Closure 

Orders and the resulting suspension of business.

72. Citizens has denied claims for business interruption on a uniform and class-wide 

basis, stating it is “not aware of any insurance policy that would provide coverage” and that such 

denial was an “industry wide standard.” As such, the Court can effectively issue a declaratory 

judgment that would give all Class Members relief in determining their rights with respect to 

Business Income coverage in their Citizens policies.

73. An actual controversy exists between the rights of Image and other Class Members

and Citizens’ obligations under the policy to reimburse Image and Class Members for the full 

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amount of losses incurred by Image and Class Members in connection with Closure Orders and 

damage caused by the suspension of their operations. 

74. Image and other Class Members are entitled to a declaratory judgment under 28 

U.S.C. § 2201 that:

(a) For purposes of Extra Expense Coverage, Image’s and the other Class Members’ losses 

incurred in connection with necessary interruption of their businesses due to Closure 

Orders are insured losses under the policy; 

(b) Citizens has waived any right it may have had to assert defenses to coverage or 

otherwise seek to bar or limit coverage for Image’s and other Class Members’ losses by 

issuing a blanket denial, through its agent, without conducting an investigation as required 

under Illinois law;

(c) Citizens is obligated to pay Image and other Class Members for the full amount of the 

losses incurred and to be incurred for Extra Expense Coverage.

VII. REQUEST FOR RELIEF

75. Plaintiff Image Dental, LLC, individually and behalf of other Class Members, 

respectfully requests that the Court:

a. Enter declaratory judgment in their favor on all Counts;

b. Certify the proposed nationwide Classes, appoint Plaintiff as representative of the 

Class, and designate Plaintiff’s counsel as counsel for the Class;

c. Enter a judgment in favor of Image and the Class against Citizens in an amount equal 

to all attorneys’ fees and related costs incurred for the prosecution of this coverage 

action against Citizens, pursuant to 215 ILCS 5/155, in an amount to be determined at 

the conclusion of this action;

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d. Award pre-judgment and post-judgment interest;

e. Order such other and further relief as may be just and proper.

VIII. JURY DEMAND

76. Plaintiff hereby demands a trial by jury on all claims so triable. 

Dated: August 24, 2020 Respectfully submitted,

/s/ Michael M. Mulder

Michael M. Mulder

Elena N. Liveris

THE LAW OFFICES OF MICHAEL M. MULDER

1603 Orrington Avenue, Suite 600 

Evanston, Illinois 60201

Telephone: (312) 263-0272

mmmulder@mmulderlaw.com

eliveris@mmulderlaw.com

Todd M. Schneider (pro hac vice forthcoming)

Joshua G. Konecky (pro hac vice forthcoming)

Matthew S. Weiler (pro hac vice forthcoming)

SCHNEIDER WALLACE COTTRELL 

KONECKY LLP

2000 Powell Street, Suite 1400

Emeryville, CA 94608

Telephone: (415) 421-7100

tschneider@schneiderwallace.com

jkonekcy@schneiderwallace.com

mweiler@schneiderwallace.com

Peter B. Schneider (pro hac vice forthcoming)

Edward R. Batten (pro hac vice forthcoming) 

Ryan R. Hicks (pro hac vice forthcoming)

SCHNEIDER WALLACE COTTRELL 

KONECKY LLP

3700 Buffalo Speedway, Suite 960

Houston, Texas 77098

Telephone: (713) 338-2560

Facsimile: (415) 421-7105

pschneider@schneiderwallace.com

ebatten@schneiderwallace.com

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rhicks@schneiderwallace.com

Attorneys for Plaintiffs

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CERTIFICATE OF SERVICE

I hereby certify that a true and correct copy of the foregoing Second Amended Class 

Action Complaint is being served in accordance with the Federal Rules of Civil Procedure and 

Local Rules via ECF on August 24, 2020.

_/s/ Michael M. Mulder

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