The short and to the point answer is, "It truly depends."
Many factors affect whether a loss has coverage under an insurance program, including the type of loss, the type of coverage, and the terms and conditions of the specific policies (Property, General Liability, Workers' Compensation, and Executive and Professional).
Depending upon your specific situation or scenario, our recommended course of action is to discuss your questions or situation with your insurance professional. With the details you provide, we can provide you with a much more detailed response to your specific situation. For a more detailed look at this topic, please read Tom Wichert's Blog Post, Your Insurance coverage and the COVID-19 (Coronavirus) with a historical perspective.
In the interim, there are numerous risk management actions you can take to limit the impact upon you and your business. For more information, please visit our Coronavirus Information Page.