Every property insurance policy written stipulates there must be direct physical damage to the property insured, in order to qualify for a business interruption claim.
Been that way for a couple hundred years.
A pandemic did not cause direct physical damage to the property. No coverage.
So loss of product due to it aging out because of compulsory closing is not covered?
Thanks, Mr. Insurance Adjuster. I like you even less now.
I LOATHE insurance weasels. Of any stripe.