Your business interruption policy should specify particular named perils that fall under coverage.  Common named perils include: - Fire - Hail - Earthquakes - Flooding Alternatively, you may have all-risks insurance, in which all perils are covered except for any specifically excluded in the policy. Unfortunately in some cases, communicable diseases may be excluded from your policy. Further, many policies are contingent upon physical damage to your business. Although customers and employees may avoid your business out of fear, a loss may not be covered under your policy unless an employee or customer is confirmed to have contaminated the premises with COVID-19, requiring the closure of the business to decontaminate it. Having a legal professional thoroughly analyze your policy can help you determine with a high degree of accuracy whether your business may be covered because of COVID-19 shutdowns.