Generally, business interruption coverage requires physical injury or physical damage to the property to be activated. Some Business Owner Policies might have specific exclusions for viral infections such as COVID-19. We encourage business owners to consult their policy and insurance agent to see if their policy provides any business interruption coverage in the event of a communicable disease, virus, bacteria, pandemic, etc. If you are unsure whether you have the right coverage, we encourage you to file a claim with your insurer.