From the Document: One of the most significant challenges currently facing businesses is the loss of revenue as a result of the coronavirus (COVID-19) pandemic and subsequent stay-at-home orders Businesses across all sectors are incurring losses, and those with business interruption insurance (BI) are submitting claims to their insurers However, both individual insurance carriers and the industry as a whole have asserted that BI claims related to COVID-19 are not covered, either because there has been no physical damage to the property or because the policy expressly excludes coverage for viruses, or both More detail on BI insurance can be found in CRS [Congressional Research Service] Insight IN11295, 'Business Interruption Insurance and COVID-19 ' Insurance companies are regulated by states;the role of the federal government in regulating private insurance (other than health insurance) is more limited COVID-19 (Disease);Business insurance

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责怪媒体

来自文件：当前企业面临的最重大挑战之一是由于冠状病毒 (COVID-19) 大流行和随后的居家订单造成的收入损失所有行业的企业都在蒙受损失，而那些有业务的企业中断保险 (BI) 正在向其保险公司提出索赔 然而，个人保险公司和整个行业都声称与 COVID-19 相关的 BI 索赔不在承保范围内，要么是因为财产没有受到物理损坏，要么是因为该保单明确排除了病毒或两者的承保范围有关 BI 保险的更多详细信息，请参阅 CRS [国会研究服务] Insight IN11295，“商业中断保险和 COVID-19”保险公司受各州监管；联邦政府在监管私人保险（健康保险除外）方面的作用更为有限 COVID-19（疾病）；商业保险