As more businesses feel the impact of COVID-19, many owners might turn toward business interruption insurance, but Jeff Hirsch, an insurance attorney for 30 years and a consultant with Founder Shield, doesn't believe this is a viable strategy."The problem is these insurance policies will often decline coverage unless the policyholder can show a direct physical loss," says Hirsch.This coverage was created when a fire in an adjacent building forced the insured's business to shut down briefly until the premises were declared safe and habitable."Most insurers deny coverage because of a combination of no direct physical damage, or a government mandate shutdown is not covered, or virus/communicable disease is an exclusion," Hirsch says.