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@marcomarcos
Regarding the comment a couple of pages back on the hospitality industry and insurance, the fact is the vast majority of businesses, including the hospitality sector, have no insurance to fall back on.
Since SARS, insurers rewrote commercial insurance policies to define the specific diseases they would provide revenue protection cover for. They will generally only insure risk they know about and can quantify.
A couple of insurers still provide a blanket coverage for any Notifiable Disease, but usually with a capped limit of between £25k and £50k.
A couple more insurers have other badly drafted “Public Authorities” revenue protection extensions in their wordings that might allow a successful claim via the backdoor. But the majority of insurers exclude disease as a trigger under this extension.