Another interesting article on the subject: https://www.irmi.com/articles/expert-commentary/when-civil-authorities-take-over-are-you-covered
In San Francisco per PBS, restaurant owners are going to court and the California Department of Insurance with the concept that they should be covered due to closer by Civil Authority and citing that the coronavirus does cause property damage.
Liberal interpretation by courts as well as political pressure on regulators could force insurers to compensate for the coverage for which they did not receive premium.
Another interesting article on the subject:
https://www.irmi.com/articles/expert-commentary/when-civil-authorities-take-over-are-you-covered
In San Francisco per PBS, restaurant owners are going to court and the California Department of Insurance with the concept that they should be covered due to closer by Civil Authority and citing that the coronavirus does cause property damage.
Liberal interpretation by courts as well as political pressure on regulators could force insurers to compensate for the coverage for which they did not receive premium.