If we're talking SMBs: That's rarely possible in a small business, especially where costs are high and margins too thin. Business interruption insurance (with o

If we're talking SMBs: That's rarely possible in a small business, especially where costs are high and margins too thin. Business interruption insurance (with often mandatory flood insurance) is supposed to handle that, but it's an added cost and may have exclusions that make it pointless. For landlords, BII may or may not be worth it. EDIT: BII doesn't cover unlisted force majeure incidents, so most tenants and landlords are hooped. The only entity with enough money and power to make people whole is Congress. They can buy a few less F-35's and nukes, and help the people on the home front.