We're talking about very large businesses. Risk analysts should have been anticipating a pandemic given the several near-misses (Ebola, SARS, MERS, H1N1, ...) t

We're talking about very large businesses. Risk analysts should have been anticipating a pandemic given the several near-misses (Ebola, SARS, MERS, H1N1, ...) that we've had recently. If you're a large business that risk is going to be significant enough to consider. When I took family holiday insurance in early January, I had to check that pandemics were covered, and they were specifically mentioned. So I'd expect them to be a general part of risk analysis. A pandemic that's covered by insurance is a massive risk for an insurance company, so it's always going to be a paragraph in business insurance, I'd expect. Which should raise the question, "as this can't be insured against, for us, what's our contingency".