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From the BBC on pub insurance:

More now on the issue of whether venues in the UK can claim on
insurance if they're not ordered to close by the government.

Pubs, restaurants and theatres in the UK are hitting out at Boris
Johnson's advice to the public yesterday - telling them not to visit
the venues, without ordering businesses to close.

Many from the entertainment industry say without a direct order from
government, they will not be protected by their insurance.

But the Association of British Insurers claims most companies would
not be covered anyway, even if there were to be a dictat from Downing
Street.

In a statement, the organisation says: "Standard business interruption
cover - the type the majority of businesses purchase - does not
include forced closure by authorities as it is intended to respond to
physical damage at the property which results in the business being
unable to continue to trade.

"A small minority of typically larger firms might have purchased an
extension to their cover for closure due to any infectious disease. In
this instance, an enforced closure could help them make the claim.

"But this will depend on the precise nature of the cover they have
purchased, so they should check with their insurer or broker to see if
they are covered."