When the owners submitted their claims—first for a preliminary six-month business income loss totaling over $825,000, then for a nine-month analysis totaling approximately $1,500,000—the insurers did not fully pay. The complaint states that while four of the participating carriers paid some portion of the business income loss claim, Lloyd’s, CNA, Rokstone, and Beazley failed and refused to pay their obligations. The insurers, according to the complaint, argued that because the policy did not specify a dollar limit for business income coverage, no such coverage existed.