Walters & Mason Retail, a company incorporated in Tennessee that operates Altar’d State retail stores, had purchased a comprehensive insurance policy from Hartford with coverage from January 30, 2020, through January 30, 2021. Shortly after the policy took effect, COVID-19 began spreading across the country, prompting many states to issue emergency orders temporarily closing or restricting business operations. To comply with these orders, Walters & Mason closed many of its stores and severely limited operations at others.