NPR.

Today, we are going to talk about insurance, specifically business insurance.

Business insurance is important to summer gherving.

She owns a small live music club in California.

A couple of years ago, her policy included liability, in case somebody got hurt, workers comp,

and business interruption insurance.

And that very last one became pretty important during the pandemic.

Thank God we got this coverage.

Thankfully, we, you know, kept up on all those payments.

Overall, summer's policy covered her for a million dollars.

But when the state shut down concerts and summer had to close her doors, she filed a claim

with her insurer and it did not go well.

You know, we got tonight.

This is the indicator from Planet Money.

I'm Sally Hercips.

And I'm Darym Woods.

Today on the show, how the insurance industry, which measures and plans for risk, got even

more risk averse during the pandemic.

And what that means for the thousands of other music venues like summers.

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