[marklacey]

They may be insured. However they may also have a large deductible and need to eat quite a few costs.

[luch]

most insurance companies will play the "force majeure" card in order to exempt themselves from reimbursing clients.

No insurance company is solvable against a global pandemic event.

[btilly]

No insurance company is solvable against a global pandemic event.

Except Berkshire Hathaway:

https://www.reuters.com/article/us-berkshire-buffett-insuran...

If Warren Buffett himself survives, I expect to see his shareholder letter next year talking about how their losses notwithstanding, COVID-19 left Berkshire Hathaway in a stronger position relative to the rest of the insurance industry, and has improved their outlook for the future.