Businesses often carry insurance to cover losses caused by a variety of events or perils.  Restrictions, closures, whether voluntary or not, and policies related to COVID-19 are negatively impacting businesses and affecting bottom lines.  As a result, business owners are asking whether they are insured for their losses due to COVID-19 like they might be for other events or perils such as a fire or tornado.  Litigation of this issue has already started with the recent filing of a lawsuit in Louisiana District Court, Orleans Parish, by an insured business seeking coverage for its losses caused by COVID-19  (Cajun Conti LLC, et al. v. Certain Underwriters at Lloyd’s, London, et al., No. 2020-02558)  While this case is sure to be followed closely, it is not likely to provide a universal “yes” or “no” answer to whether your business is covered for COVID-19 losses because the question of coverage boils down to your particular facts and circumstances, your policy language and the applicable law that dictates how your policy is interpreted.