Does Business Interruption Cover Pandemics?
Usually not under standard business-income forms: many require physical damage and exclude virus or pandemic losses, according to California’s insurance department.
A government closure order alone may not meet the policy trigger. Some specialized products or endorsements may offer different terms, but their existence cannot be assumed from a standard property quote.
Read the physical-loss trigger, virus or communicable-disease exclusion, civil-authority provision, and any pandemic endorsement. Check the policy period and whether the relevant cause and location are covered. The CDI source addresses California guidance; actual disputes and policy wording can vary by contract and jurisdiction.
