The Houston Rockets are suing their insurance provider for denial of their business interruption insurance on a $400 million policy. Insurance providers claim that such policies have a “virus” or “epidemic” clause, which would exclude coverage of loss during the COVID-19 pandemic. Businesses across the country are arguing that virus exclusions do not apply because the losses incurred were due to government shutdown orders, as opposed to the virus, and that “direct physical loss” would take effect as outlined in the policy.