Coronavirus has turned the world topsy-turvy. Lockdowns compel the citizenry to stay home, require stores to close, prohibit gyms from opening, and so forth. The world we live in today is unlike any in our experience.
American businesses have suffered enormous losses. The governmental orders that shut down or drastically curtailed the operations of all sorts of businesses necessarily affected their pro ts. Casinos, construction companies and concert halls (and many others) found themselves designated as non-essential businesses and saw their bottom lines turn negative. Fortunately, some had purchased business interruption insurance, and, if able to show physical loss or damage to their own property, or that of others, and to avoid any virus exclusion, should be recovering their lost pro ts. But how are those profits to be calculated.