Unlikely. Income Protection insurance policies are designed to protect and support you if you become sick or injured and cannot work.They are not intended to cover situations in which you can't get to work (ie: due to fire or flood) or are not permitted to work (due to a public health lockdown order) or if you need to stop work for any other reason. Pro Tip: Life insurance Underwriters and Actuaries in Australia are focused on the statistical risks of possible unforeseen sickness and injuries occurring. Simply put, they are more concerned with the statistical probability of a 1 in 3,000 chance of a blood clot occurring when using an oral contraceptive, then they are of a 1 in 300,000 chance (if you’re young) of an adverse reaction to a COVID-19 vaccination (or a 1 in a million chance of death).