Insurance companies have been denying most of the business interruption claims, stating that they do not apply to the current pandemic. Business interruption insurance claims will usually have to have a physical damage reason for being filed.
How do we assign value or a price on anything? Ultimately, we, humans, through consensus, give a thing value. Whether it be money (Rands, Naira, Kenyan Shillings), stocks, cryptocurrency, or anything for that matter.