As government officials report the increasing financial losses due to the shutdown of most commercial businesses across the United States, people are desperate for some type of relief and understandably so. So, what to do? Time to look under the hood to see what’s really happening on the prospect of a loss of income claim from your insurance company. Assuming you had the good financial sense to buy Business Income coverage to cover your financial losses before the country and commerce was shut down. The go to place now for relief seems to focus on the private sector insurance industry in both the admitted and surplus lines market, the latter known as the E&S markets. Every day the media is full of press releases, articles, and op-ed articles positioning themselves on one side of the argument that private insurance carriers need to pay these claims, or to the contrary that they are not covered.