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Welcome to Prognosis. I'm Laura Carlson. It's day 258 since coronavirus was declared a global pandemic.

Today, we have a special edition of the show in collaboration with Bloomberg Law.

Hosted by David Schultz, Business Interrupted is a special investigation podcast.

Bloomberg Law reporters examined how businesses of every strike, large and small,

assumed they had insurance that covered them in the event of a shutdown. And how those assumptions

were, by and large, wrong. The Bloomberg Law team looked into so-called virus exclusion clauses that insurers quietly inserted into many of their business policies,

and how those clauses are now creating major strife between insurers and their policyholders.

Here's David Schultz with more.

It's hard to run a business, really hard.

And I'm not talking about how it's difficult to make stuff

or then convince someone to exchange their money for your stuff.

It's hard because there's just so much unforeseeable stuff that can happen.

A shipment gets damaged, someone slips and falls

in your aisle, there's a fire in the place next door.

All of these are things that can wreak havoc

on even a successful business.

Also this.

Broadway has extended its shutdown, shutdown.

...