How to do that though? See these people, using the Insurance companies stickler for the small print against them: https://www.abc.net.au/news/2020-12-15/australians-fight-ins...

In short, the insurance companies have a phrase where they don't have to pay out for business losses caused by disease as specified by a certain law.

But that law got wiped from the books and replaced with a new law. And the terms of insurance for most of the companies never got updated and so are irrelevant on that point.

So the insurance companies should pay up for business losses due to covid. They are now saying "never mind the exact lettering of the agreement, go by the spirit of it"....