Q: Is Covid19 or any pandemic are termed as an "Act of God" under Insurance laws ?
Most business insurance policies specifically exclude communicable diseases (like COVID-19) and don’t consider them to be an act of God. If that’s the case with your policy, financial losses caused by Covid19 probably won’t be covered unless you have a communicable disease rider. I am providing you a link to an article that discuses this in more detail, but it is always better to consult an attorney that can review the insurance policy and discuss with you your options.
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