Agent here:
Viruses are specifically excluded from policy coverage and has been for quite some time (personal and commercial).
Also in order for business Income interruption coverage to be triggered, there has to be a direct physical loss to the property. There is no physical loss to the property to trigger the BII.
ISO (a forms maker for the insurance industry) has created about 2 months or so ago buy back forms for the industry carriers to adopt and file if they want to or they could manuscript their own. Very few if any carriers have, even to the point where ISO has not even assigned a form number or edition date to the forms. Reason being is that the cost to add it to the policy at this particular time would be so expensive the likelihood of an insured purchasing it would be very little. There are some high end carriers and specialty carriers that have a virus buy back but that is on the level of some complicated businesses and specialties
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