Quote Originally Posted by Dorcus View Post
On Sky News now some Insurance body saying even if Government had mandated pubs etc to close they would have been unable to have claimed for loss of trade unless they had a specific type of Force Majeur trade insurance specifically covering the threat of pandemics! Grief, how many of us read the small print?
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."