Sue your government. THEY shut you down and denied you access to the market.
Some other businesses were not shut down.
This is exactly why insurance companies have such a bad reputation. They are more than willing to charge high premiums for various policies, but then when something happens that they might need to pay out, they find any and every possible weasel-stomping excuse they can to avoid the payout they promised in the policy.
“Oh, did it happen on a Thursday during a blood moon? No? Then you are not covered. Were you wearing spats and a bandanna? Sorry, that isn’t covered.”
ANY excuse to avoid ANY payout. They get away with it because they are protected by laws written to protect THEM, not the public.