Mealey's ( April 26, 2023, 11:22 AM EDT) -- TRENTON, N.J. — A New Jersey appeals panel held that a lower court improperly applied a choice-of-law analysis in a coronavirus coverage dispute but properly held that the existence of the virus in the hotel air or on hotel surfaces fails to constitute direct physical loss or damage to the insured premises, affirming in part and reversing in part....