holding "join[ed] the vast majority of authority from other jurisdictions examining the same or similar policy language"); Firebirds International, LLC v. Zurich American Insurance Co., 2022 IL App (1st) 210558 (same with respect to restaurant chain); GPIF Crescent Court Hotel, LLC v. Zurich American Insurance Co., 2022 IL App (1st) 211335-U (same with respect to hotels, unpublished); Ortiz Eye Associates, P.C. v. Cincinnati Insurance Co., 2022 IL App (1st) 211312-U (same with respect to optometry and vision business, unpublished); Ark Restaurants Corp. v. Zurich American Insurance Co., 2022 IL App (1st) 211147-U (restaurants, unpublished); State &9 Street Corp. v. Society Insurance, 2022 IL App (1st) 211222-U (restaurants and taverns, unpublished); Bottleneck Management, Inc. v. Zurich American Insurance Co., 2022 IL App (1st) 211462-U (restaurants, unpublished); Black Rock Restaurants, LLC v. Society Insurance, 2022 IL App (1st) 211215-U (restaurants, unpublished); R Restaurant Group, LLC v. Society Insurance, 2022 IL App (1st) 211216-U (restaurants and taverns, unpublished); Station Two, LLC v. Society Insurance, 2022 IL App (1st) 211217-U (restaurants and bars, unpublished); JCJ Restaurant Co. v. Society Insurance, 2022 IL App (1st) 211225-U (restaurant and bar, unpublished); Lodge Management Corp. v. Society Insurance, 2022 IL App (1st) 211133-U (restaurants and bars, unpublished); MTDB Corp. v. American Auto Insurance Co., 2022 IL App (1st) 210979-U (bowling alley, unpublished).