The following clarifies hopefully - though I doubt it's sufficient for the usual few on here :
The Association of British Insurers said standard policies did not include forced closure by the authorities.
So, for most businesses, they would not have been entitled to compensation, even if the government had ordered them to close.
A spokeswoman for the association said: "Irrespective of whether or not the government order closure of a business, the vast majority of firms won't have purchased cover that will enable them to claim on their insurance to compensate for their business being closed by the coronavirus."