{"id":9491,"date":"2025-12-02T12:05:00","date_gmt":"2025-12-02T20:05:00","guid":{"rendered":"https:\/\/www.businessinsuranceusa.com\/news\/?p=9491"},"modified":"2026-03-18T14:04:51","modified_gmt":"2026-03-18T21:04:51","slug":"next-pandemic-business-insurance","status":"publish","type":"post","link":"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/next-pandemic-business-insurance\/","title":{"rendered":"What the Next Pandemic Could Mean for Business Insurance"},"content":{"rendered":"\n<p class=\"yoast-reading-time__wrapper\"><span class=\"yoast-reading-time__icon\"><svg aria-hidden=\"true\" focusable=\"false\" data-icon=\"clock\" width=\"20\" height=\"20\" fill=\"none\" stroke=\"currentColor\" style=\"display:inline-block;vertical-align:-0.1em\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M12 8v4l3 3m6-3a9 9 0 11-18 0 9 9 0 0118 0z\"><\/path><\/svg><\/span><span class=\"yoast-reading-time__spacer\" style=\"display:inline-block;width:1em\"><\/span><span class=\"yoast-reading-time__descriptive-text\">Estimated reading time: <\/span><span class=\"yoast-reading-time__reading-time\">8<\/span><span class=\"yoast-reading-time__time-unit\"> minutes<\/span><\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-ai-summarize yoast-ai-summarize\"><h2>Key Takeaways<\/h2>\n<ul class=\"wp-block-list yoast-ai-summarize-list\">\n<li>The pandemic revealed gaps in business interruption insurance, affecting many companies&#8217; ability to recover.<\/li>\n\n\n\n<li>Insurance companies are reassessing risk, with new pandemic-specific products emerging in the market.<\/li>\n\n\n\n<li>Businesses must ensure their insurance coverage includes pandemic-related protections and review policies annually.<\/li>\n\n\n\n<li>Small businesses need to explore coverage extensions and consider add-ons for better pandemic protection.<\/li>\n\n\n\n<li>Government involvement is increasing in business insurance to help mitigate future pandemic impacts.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<p>The pandemic of 2020 hit the whole world hard. No one alive remembered anything like it, and people\u2019s business insurance was not built to handle this kind of long-term situation. Many people lost everything and had to sell their businesses due to the long-term shutdowns and other issues that happened to companies during the pandemic.<\/p>\n\n\n\n<p>While it would be nice to think that there may never be another pandemic, the reality is that this is a risk that every company needs to be prepared for from now on. Here is what you need to know about business insurance and situations like a world health crisis.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-pandemic-was-a-wake-up-call\"><strong>The Pandemic Was a Wake-up Call<\/strong><\/h2>\n\n\n\n<p>For many business owners as well as insurance experts, the pandemic was a big wake-up call. After all, companies with insurance did have business interruption insurance, but Business interruption insurance was never designed to respond to widespread shutdowns without direct physical damage, particularly when losses are caused by a communicable disease affecting entire industries simultaneously. There simply wasn\u2019t coverage on anyone\u2019s business insurance policy to allow companies to make it through such a prolonged disaster of this nature.<\/p>\n\n\n\n<p>According to data summarized by the <a href=\"https:\/\/content.naic.org\/sites\/default\/files\/jir-za-39-05-el-business-interuption-covid.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">National Association of Insurance Commissioners<\/a>, roughly one-third of U.S. businesses carried <a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/business-owners-insurance-bop\/business-interruption-insurance-explained\/\" target=\"_blank\" rel=\"noreferrer noopener\">business interruption coverage<\/a> before the pandemic, with lower participation among small businesses. As an added insult to injury, most of these policies didn\u2019t have the extensions in place to handle a shutdown that went on for more than a year in some industries. If you noticed that nearly every restaurant in your local area went out of business during the pandemic, it was largely because <a href=\"https:\/\/www.businessinsuranceusa.com\/news\/insurance\/10-things-the-covid-19-pandemic-taught-us-about-restaurant-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">their business insurance<\/a> couldn\u2019t protect them from being unable to serve customers for so many months.<\/p>\n\n\n\n<p>Pandemic risk was known to insurers before 2020, but it was generally excluded or narrowly limited, particularly following earlier global outbreaks. Shutdowns of that magnitude had not happened since the Spanish Flu pandemic in 1918.<\/p>\n\n\n\n<p>The landscape has changed forever, but that doesn\u2019t mean that all insurance companies are keeping pace. If another pandemic occurs, it is important to understand how your insurance coverage may respond before a loss happens. Many business owners learned the hard way that standard policies were not built to address widespread public health events.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-insurance-is-changing-with-the-times\"><strong>Insurance is Changing With the Times<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-nbsp-nbsp-risk-assessment-is-tougher\">1. &nbsp; &nbsp; Risk Assessment is Tougher<\/h3>\n\n\n\n<p>Previous to the pandemic years, insurance companies were not as specific about what was considered to be a \u201cnormal\u201d risk when it came to \u201c<a href=\"https:\/\/www.businessinsuranceusa.com\/news\/insurance\/understanding-act-of-god-commercial-insurance-exclusions\/\" target=\"_blank\" rel=\"noreferrer noopener\">Acts of God<\/a>\u201d losses like the pandemic. This changed immediately as the pandemic stretched out for months and then into years. These kinds of issues are considered to be a risk that all businesses are exposed to, but there is a scaled risk exposure based on your industry. If you work in food handling or customer service, for example, your business is at a higher risk in this area than a company that can send employees home and follow shutdown guidelines while still staying in business.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-nbsp-nbsp-new-products-are-hitting-the-market\">2. &nbsp; &nbsp; New Products Are Hitting the Market<\/h3>\n\n\n\n<p>There are new insurance products being developed that are only triggered and used if a pandemic occurs. Most pandemic-related insurance solutions remain limited, highly structured, or parametric in nature, often discussed within public-private partnership frameworks rather than broadly available commercial products. This kind of coverage should become more common in the years to come. In many cases, this type of coverage is not automatically included; you may not even be offered it unless you specifically ask for that protection.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-nbsp-nbsp-coverage-has-to-expand\">3. &nbsp; &nbsp; Coverage Has to Expand<\/h3>\n\n\n\n<p>Property damage is not the only risk to businesses these days, even if you are a small company that doesn\u2019t need a ton of coverage due to your low-risk status. You should still consider that a pandemic might shut you down for good and protect yourself properly.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-nbsp-nbsp-government-oversight-is-increasing\">4. &nbsp; &nbsp; Government Oversight is Increasing<\/h3>\n\n\n\n<p>Government involvement in this aspect of insurance for businesses is increasing due to the way that a pandemic can threaten the foundations of countries all over the world. The government is attempting to assist with funding and the creation of policies meant to help businesses make it through another pandemic.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-does-this-mean-for-your-business\"><strong>What Does This Mean For Your Business?<\/strong><\/h2>\n\n\n\n<p>Let\u2019s start with a scenario. There\u2019s a new virus that has started causing issues overseas. The news is just now breaking about it here in the US. Your suppliers are already closing down until things are safe again, and you are wondering how you are going to get essential materials for your company to keep creating products, even if the new virus doesn\u2019t ever make its way to US soil.<\/p>\n\n\n\n<p>If you have no idea what you would do next, you need to know what your insurance can do to support you.<\/p>\n\n\n\n<p>Step #1<\/p>\n\n\n\n<p>The first thing you need to do is review your <a href=\"https:\/\/www.businessinsuranceusa.com\/news\/business\/importance-of-business-interruption-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">business interruption coverage<\/a>. Do you have this kind of protection? If not, you need to get it attached to your policy right away. You may be able to get protection against going out of business if you have to regroup when something like a foreign pandemic causes supply chain issues for your company.<\/p>\n\n\n\n<p>If your own facility is okay, that is great, but you may need some time to figure out where to get materials and other products while your normal vendors are shut down. This insurance coverage gives you this safety net.<\/p>\n\n\n\n<p>Step #2<\/p>\n\n\n\n<p>Now you need to think about what might happen if you have to shut down here on US soil. Will your workforce be able to work from home? If they can\u2019t and you have to let people go or stop producing most of your products due to lockdowns, what are you going to do? There is coverage that you can access on comprehensive business insurance policies that may help you relocate or set up your staff with what they need to work from home.<\/p>\n\n\n\n<p>These kinds of policies are in flux right now due to the previous pandemic, but you should find out what your options are and make sure that you secure any coverage that might protect your staff and save your business.<\/p>\n\n\n\n<p>The better you are protected, the easier it will be for you to sleep. An ounce of prevention could go a long way toward saving your business if a pandemic should happen again.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-does-this-mean-for-small-businesses\"><strong>What Does This Mean for Small Businesses?<\/strong><\/h2>\n\n\n\n<p>Here is what you should be aware of if you have a small business and are worried about another pandemic. You need to be sure that you have access to the coverage extensions and coverage types that may protect your business if a pandemic should occur. You can talk to your insurance agent about the coverage that you can access with their help, but you should also research on your own to make sure that you know how your industry may be impacted if there is another shutdown.<\/p>\n\n\n\n<p>Make sure that you <a href=\"https:\/\/www.businessinsuranceusa.com\/news\/insurance\/understanding-your-business-insurance-policy\/\" target=\"_blank\" rel=\"noreferrer noopener\">take out your current policy<\/a> and see what kinds of coverage you have, and note if there are exclusions that might prevent you from using your policy during a pandemic.<\/p>\n\n\n\n<p>You should check with your broker to see if they can do a pandemic scenario review. This may tell you a lot about what you do have as far as coverage and show you coverage gaps that you might want to fill.<\/p>\n\n\n\n<p>Add-ons and specialty coverage can often be well worth the cost for your business, and you should strongly consider adding these items to your overall coverage umbrella.<\/p>\n\n\n\n<p>Make sure that you have a business continuity plan and that you update it as conditions in the world change. This might mean making a specific plan for pandemic protocols if this is of concern for your business type.<\/p>\n\n\n\n<p>Review your policies annually with your broker or agent to make sure that you have the right coverage in place to keep your business as safe as possible.<\/p>\n\n\n\n<p>Lloyd\u2019s of London did a risk scenario projection recently and found that potential global losses associated with another pandemic could be as high as <a href=\"https:\/\/www.lloyds.com\/insights\/media-centre\/press-releases\/human-pandemic-scenario\">$13.6 trillion USD<\/a>. You don\u2019t want to be part of this loss calculation, and some hard work related to shoring up your coverage now can pay off later.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-things-to-remember\"><strong>Things to Remember<\/strong><\/h2>\n\n\n\n<p>Pandemic risk is not the same as the risks that are often associated with fires and floods. You need to protect your business against this specific kind of threat to ensure that your company can survive a future pandemic. Standard insurance policies may not protect you against this kind of problem, and you shouldn\u2019t assume that your current coverage will handle your needs during another pandemic.<\/p>\n\n\n\n<p>New insurance products are hitting the scene, but it takes years for them to be fully realized and to offer the kind of coverage that you might really need to protect your business against a long-term lockdown. Update your policies annually and take the time to discuss with your insurance company or broker the <a href=\"https:\/\/www.businessinsuranceusa.com\/news\/insurance\/understanding-business-insurance-policy\/\" target=\"_blank\" rel=\"noreferrer noopener\">details of protections<\/a> for a future pandemic.<\/p>\n\n\n\n<p>Our team takes pride in caring for our insureds who own businesses. We  work hard to make sure that you have the right insurance products in place to keep your business safe if the worst should happen. You can count on us to offer you continuing care and support long after we have found coverage for you. We value protecting businesses of all sizes, and we may help you take a look at your pandemic coverage to see if there\u2019s any way we can improve it.<\/p>\n\n\n\n<ul class=\"wp-block-yoast-seo-related-links yoast-seo-related-links\">\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/10-things-the-covid-19-pandemic-taught-us-about-restaurant-insurance\/\">10 Things the COVID-19 Pandemic Taught Us About Restaurant Insurance<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/answers-to-your-covid-19-business-insurance-coverage-questions\/\">Answers to Your COVID-19 Business Insurance Coverage Questions<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/insurance-agent-business-partner\/\">Why Your Insurance Agent is Your Business Partner<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/workers-comp\/how-to-prioritize-employee-health-in-our-post-covid-world\/\">How to Prioritize Employee Health in our Post-COVID World<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/tailoring-commercial-insurance-for-future\/\">Remote Work, Bigger Risks: Tailoring Commercial Insurance for the Future of Work<\/a><\/li>\n<\/ul>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The pandemic of 2020 hit the whole world hard. No one alive remembered anything like&#8230;<\/p>\n","protected":false},"author":9,"featured_media":9492,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[737],"tags":[1010,1009],"class_list":{"0":"post-9491","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-insurance","8":"tag-next-pandemic","9":"tag-pandemic"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.1 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What the Next Pandemic Could Mean for Business Insurance<\/title>\n<meta name=\"description\" content=\"The next pandemic could disrupt business like never before. Discover what it means for your insurance and how to prepare now.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/next-pandemic-business-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What the Next Pandemic Could Mean for Business Insurance\" \/>\n<meta property=\"og:description\" content=\"The next pandemic could disrupt business like never before. Discover what it means for your insurance and how to prepare now.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/next-pandemic-business-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"USA Business Insurance Services, Inc\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/USAbusinessInsurance\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/BooksByBriannaY\" \/>\n<meta property=\"article:published_time\" content=\"2025-12-02T20:05:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-18T21:04:51+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.businessinsuranceusa.com\/blog\/wp-content\/uploads\/2025\/12\/result_shutterstock_1695988225.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"850\" \/>\n\t<meta property=\"og:image:height\" content=\"514\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Brianna York\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@BusinessInsUSA\" \/>\n<meta name=\"twitter:site\" content=\"@BusinessInsUSA\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Brianna York\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/insurance\\\/next-pandemic-business-insurance\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/insurance\\\/next-pandemic-business-insurance\\\/\"},\"author\":{\"name\":\"Brianna York\",\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/#\\\/schema\\\/person\\\/0762efe2842e7d23a1516fd067b7cd1b\"},\"headline\":\"What the Next Pandemic Could Mean for Business Insurance\",\"datePublished\":\"2025-12-02T20:05:00+00:00\",\"dateModified\":\"2026-03-18T21:04:51+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/insurance\\\/next-pandemic-business-insurance\\\/\"},\"wordCount\":1728,\"image\":{\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/insurance\\\/next-pandemic-business-insurance\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/result_shutterstock_1695988225.jpg\",\"keywords\":[\"Next Pandemic\",\"Pandemic\"],\"articleSection\":[\"Insurance\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/insurance\\\/next-pandemic-business-insurance\\\/\",\"url\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/insurance\\\/next-pandemic-business-insurance\\\/\",\"name\":\"What the Next Pandemic Could Mean for Business Insurance\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/insurance\\\/next-pandemic-business-insurance\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/insurance\\\/next-pandemic-business-insurance\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/result_shutterstock_1695988225.jpg\",\"datePublished\":\"2025-12-02T20:05:00+00:00\",\"dateModified\":\"2026-03-18T21:04:51+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/#\\\/schema\\\/person\\\/0762efe2842e7d23a1516fd067b7cd1b\"},\"description\":\"The next pandemic could disrupt business like never before. 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