Insurance doesn't necessarily cover acts of terrorism. I know my business insurance doesn't.
I've been in business for over 10 years, various policies with major carriers and all have terrorism clauses. I think it's crap, but it is what it is. Looting and rioting, okay. Acts of war or terrorism, not covered.
kek. Maybe under business interruption section. Which interestingly enough pandemics are not covered under business interruption, but I think infestations might be.
Pretty sure he is the reason it's no longer covered under general business liability and they created the Terrorism Risk Insurance Act of 2002.