I can't imagine disease wouldn't fall under "Loss of stock". But even if it didn't, you can usually pay for whatever you need. And if the disease is so rampant

I can't imagine disease wouldn't fall under "Loss of stock". But even if it didn't, you can usually pay for whatever you need. And if the disease is so rampant that insurers won't cover it, that's a good sign you shouldn't be in the business. Like building a house where insurers refuse to offer flood coverage.