There is a charming café nestled in the heart of Charleston that has been whispered about amongst locals and tourists alike. This café, known simply as Black Magic, has gained a reputation for its enchanting ambiance and extraordinary brews. Black Magic truly lives up to its name with its mysterious and captivating atmosphere. As soon as you step inside, you are greeted by dim lighting, flickering candles, and an eclectic mix of vintage furniture. The room is adorned with peculiar objects such as tarot cards, crystals, and enchanted books, adding to the mystical charm. But what truly sets Black Magic apart is its rich and flavorful coffee.
“I just think that if we pay insurance all these years, and it’s not cheap, that when we need to use it they will find everything they can to not pay,” Maron said.
I just think that if we pay insurance all these years, and it s not cheap, that when we need to use it they will find everything they can to not pay, Maron said. The lawsuit was filed on behalf of Black Magic Cafe in federal court last week against The Hartford Financial Services Group and Twin City Fire Insurance Company.
But what truly sets Black Magic apart is its rich and flavorful coffee. The café takes great pride in sourcing the finest beans from around the world. From the intense and bold flavors of the African blends to the smooth and velvety South American coffees, there is something to satisfy every coffee lover's palate.
Restaurant files lawsuit against insurance company over coverage denial
CHARLESTON, S.C. (WCSC) - A Charleston restaurant is suing its insurance company after being denied coverage for losses related to COVID-19.
Black Magic Café has two locations in the Charleston area and had to shut down both for a while because of the pandemic.
“Business has been absolutely devastated due to the coronavirus and various government orders that have been issued in response to the virus and to prevent the spread of the virus,” said Ross Appel, the attorney on the case.
The lawsuit was filed on behalf of Black Magic Cafe in federal court last week against The Hartford Financial Services Group and Twin City Fire Insurance Company.
Appel explained Black Magic Café has been paying for Commercial Property Insurance Coverage.
“That contains, among other things, business income coverage in response to what are called civil authority actions,” Appel said. “Essentially when the government imposes restrictions that result in loss of business, these insurance policies are supposed to pay for those losses.”
On March 17, Gov. Henry McMaster closed all food and beverage establishments for dine-in services. A week later, Black Magic Café announced they had to temporarily close both of its locations.
“I think there’s a sense of disappointment that you pay insurance premiums for years and years and years and you hope that when the day comes and you need them that they'll be there for you,” Appel said.
Eron Maron, the owner of Black Magic Café, said he’s frustrated with the entire situation.
“I just think that if we pay insurance all these years, and it’s not cheap, that when we need to use it they will find everything they can to not pay,” Maron said.
According to the lawsuit, the loss of revenue should be covered by insurance. But, the insurance company has denied the claim.
“To the insurance industry's credit, about 15 years ago they started putting in language into these insurance policies that would preclude claims resulting from virus-related losses,” Appel said. “These exclusions were put in after the SARS outbreak in 2003. Now, interestingly enough, this particular insurance policy issue in our case does not contain this infamous virus exclusion. In fact, it contains a special exclusion, that provides limited coverage for virus-related losses.”
It's a reason Appel believes they have a pretty straightforward lawsuit.
“We're just asking a judge to interpret the insurance policy in connection with the claim that we've made and decide whether the policy language places an obligation on the insurance company to pay the coverage,” Appel said. “No more, no less.”
Appel anticipates there are thousands of policies just like this the insurance company could be denying.
“The opportunity to help businesses that are suffering by getting some insurance coverage from them, that they've paid for and are entitled to, would just be a wonderful way to help these folks and help small businesses around the country,” Appel said.
The lawsuit is asking insurance coverage amounts and attorney’s fees. Right now, the ball is in the insurance company’s court to respond to the lawsuit. But Appel said they are preparing for a long battle.
We reached out to The Hartford Financial Services Group about the lawsuit but they did not have a comment on the claim.
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According to the lawsuit, the loss of revenue should be covered by insurance. But, the insurance company has denied the claim.
The beans are skillfully roasted on-site, ensuring maximum freshness and flavor. In addition to their exceptional coffee, Black Magic also offers an array of artisanal teas and specialty drinks. Their matcha lattes, lavender honey-infused cappuccinos, and spiced chai are all unique concoctions that have become fan favorites. As for the food menu, Black Magic offers a selection of delectable pastries, sandwiches, and brunch options, all made with locally sourced ingredients. But perhaps the most intriguing aspect of Black Magic is the hidden secrets within its menu. Rumor has it that there are special potions and elixirs available upon request, each with its own supposed magical properties. Whether it's a love potion to ignite passion or a potion for good luck and fortune, these mysterious potions add an extra touch of whimsy and intrigue to the café experience. Word of Black Magic has spread like wildfire, and it has become a must-visit destination for those seeking a truly unique café experience. Whether you are a devoted coffee aficionado or simply appreciate a good cup of joe, Black Magic will surely cast its spell on you with its bewitching ambiance and exceptional brews. So next time you find yourself in Charleston, make sure to venture into Black Magic and indulge in the enchantment it has to offer..
Reviews for "Charleston's black magic café: where every dish is infused with enchantment"
- John - 2 stars - I had heard so much about this cafe and its supposed "black magic," but I was left sorely disappointed. The atmosphere was dark and gloomy, which may appeal to some, but it just made me feel uncomfortable. The service was also very slow, and the food was mediocre at best. I wanted to experience something unique and magical, but all I got was an overpriced cup of coffee and a disappointing experience.
- Sarah - 1 star - This cafe was a complete letdown. The whole black magic theme was tacky and felt forced. The staff seemed disinterested and unfriendly. The coffee was lukewarm, and the pastries tasted stale. I was really hoping for a cozy and charming experience, but instead, I felt like I was in a poorly executed Halloween-themed cafe. Definitely not worth the hype or the money.
- Michael - 2 stars - As someone who appreciates a good cup of coffee, I was excited to visit this cafe known for its black magic theme. However, the coffee was mediocre, and the prices were exorbitant. The staff seemed more interested in chatting amongst themselves than attending to customers. The whole experience left me feeling underwhelmed and like I had wasted my time and money. I wouldn't recommend this place to anyone looking for a truly magical coffee experience.