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There’s three different sections of your business insurance policy that may very well cover your business losses or expenses related to the pandemic. First, your business interruption clause may very well cover the losses your business incurred as a result of the shutdown. Second, expenses that your business incurs. For instance, if you’re in the food business and you have to disinfect your plant, the cost of disinfecting it and the cost of PPE that your employees are required to wear, are expenses related to the pandemic that should be covered. Finally, look for a civil authority clause. This applies to orders shutting down businesses, and maybe another way, another area of your policy, that could apply to your losses. I hope this helps.

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