Many small business carry liability and other insurance in the event of a work place accident, or if a customer is injured.  But did you know many business insurance policies also include "business interruption" coverages, that could apply in circumstances like these?  Every policy will be different.  If you are unsure of what coverages you have, or whether they could apply during this pandemic, talk to your insurance agent and get a copy of your policy.  If you are still not sure what coverage you have, or what the conditions under the policy are, talk to an experienced insurance attorney.