COLUMBUS, Ohio — A commercial insurance policy doesn’t cover the income a business lost when the governor ordered a shutdown early in the COVID-19 pandemic, the Ohio Supreme Court said Monday in a decision consistent with multiple court rulings nationally weighing similar questions.The state’s high court found that the temporary presence of COVID-19 in a community or at a business and the temporary presence of an infected person don’t amount to a direct physical loss that might be covered.&ldquo …