But China isn't a democracy: the people do what they are told. Can you really see us Brits staying indoors when told to? But does that insurance, if it pays out, help the myriad of 'freelancers' who now have no work? The contract we have with our insurers, for any sort of insurance, requires us to do all we can to mitigate our losses to keep the size of any claim down. So when a theatre/pub/restaurant is told to close down because of a virus then to mitigate the loss they should lay off all their staff. It's not right but insurance wouldn't help anyone at the end of the chain.