Unfortunately, most business interruption coverage policies cannot replace the income that is lost as a result of closures related to COVID-19. Many business interruption coverage policies include a clause that specifically excludes pandemics, as the policy is intended for closures that include physical damage to the business. Although business interruption insurance policies exist to cover sporadic closures, they generally do not have the funds to replace the massive amount of income lost by nearly every business in the country during the pandemic.