Across the country businesses have been affected by a variety of federal, state, and local orders in response to the COVID-19 pandemic. Businesses that were deemed non-essential, those that did not provide life-sustaining services, were ordered closed or allowed to operate on a limited basis. Non-essential businesses that were allowed to remain open with reduced operations were also adversely affected by stay-at-home orders that kept many customers away. This has been economically devastating for many businesses, which in turn have submitted claims under commercial property policies and business owners policies that provide business interruption coverage. But does that coverage apply?