Pandemic insurance doesn't really make sense. Fires are isolated events, and it is incredibly unlikely that every insured business catches fire all at once. On

Pandemic insurance doesn't really make sense. Fires are isolated events, and it is incredibly unlikely that every insured business catches fire all at once. On the other hand, the very nature of a pandemic is that all insured businesses will make their claims at the same time. It's impossible to actually make it work.