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Ben Franklin on a dollar with a facemask. For a peril to be covered, the chance of loss must be calculable. For a pandemic, it could be based on an individual’s salary or the monthly income of a business. (Photo: Viacheslav Lopatin/Shutterstock.com)

By May 2020, it was quite clear that the United States — along with the rest of the world — was deeply involved in a deadly and economically disastrous COVID-19 coronavirus pandemic, and there was little individuals or corporations could do to help themselves except to turn to governmental (state and federal) programs. But scientists and medical experts had been warning for decades that a pandemic was “overdue,” yet even when word came of one beginning in China, governments did nothing.

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