The COVID-19 pandemic is not yet contained and while governments
struggle to respond, businesses are bracing for the inevitable
economic downturn. Most companies have some form of insurance
coverage and careful consideration ought to be given as to whether
this encompasses business interruption coverage. This type of
coverage is meant to cover losses incurred when an insured event
causes a company’s business (i.e., revenue) to be
interrupted. For example, a particular government or governmental
authority may have ordered the closure of specific businesses
(e.g., bars, sit-down restaurants, nightclubs, gyms, fitness
centres, athletic clubs, recreation facilities, sports arenas,
theatres, casinos and other private entertainment facilities,
conference centres, retail clothing outlets, etc.) or it may have
ordered a general lock-down of a specific geographic area requiring
all non-essential services to shutter within it. Since these
businesses can no longer operate, or
