Since the beginning of the COVID-19 crisis in March, most states have decided to shutter non-essential businesses to stop the spread of the virus. Businesses were closed for months, leaving employers and employees with lost revenue and lost income. If the shuttering of a business was due to forces outside of the business owner’s control (as in the case of a government-ordered lockdown), may a business be covered by its insurance policy? As with so many legal questions, the answer is: it depends. MORE.