The COVID-19 epidemic and the actions adopted to contain it have caused major economic disruption in countries all over the world, resulting in significant business interruption losses. The vast majority of these losses are likely to be absorbed by policyholders, as few companies have business interruption coverage that is likely to respond to these types of losses unless governments (or courts) intervene, exposing the existence of an important protection gap for some pandemic-related business interruption losses.

It is recommended that businesses offer comprehensive health insurance policies to individuals or groups in order to cover Covid costs. It is also recommended that insurers create these complete health insurance policies with easy wordings and conditions, as well as at a cost that is affordable for the aforementioned organizations.