Your Business Interruption policy will not cover you for losses incurred as a result of a pandemic. Business Interruption insurance is designed to protect the insured for losses of business income it sustains as a result of physical loss, damage, or destruction to insured property by a covered peril. Insured perils can be found listed in your policy wording and usually consist of fire, lightning, explosion, hurricane, storm, flood, escape of water, riot, impact and earthquake.