Objectively intelligent.

[Did you just call me Coltrane?]

Originally Posted by LessinSF

Depending upon jurisdiction, contamination of the business property. Say, a hotel or airline that loses BI due to increased cleaning of contaminated rooms and planes. The "physical damage" being the deposit of coronavirus on BPP. That, of course, may invoke pollution exclusions. But, if coverage is triggered, the burden of proof will move to the insurer, and extensions of coverage, such as "civil authority" will come into play.

Edit: At least two DJs have already been filed - by a Louisiana restaurant, and two Oklahoma tribes (casino loss).

I get what you're saying, but I'd bet against the insureds. First, you would have to establish that your plane/hotel had coronavirus on it, and then what would your POR be? The day it took to clean the plane?