Although this term is not excluded in the policy, there are many more hurdles to overcome within your specific policy language.This is obviously going to be litigated over the next few years and who knows what that will bring, but if you do not report it in a timely manner to your agent or your insurance company, your outcome is certain - no coverage.

I find the list to be fairly comprehensive so far !

Coverage has been narrowly focused on a limited number of chains that were heavily concentrated across a few segments that were most vulnerable to disruption, such as apparel, consumer electronics and department stores.

To mitigate the increased risk bank A will require a higher credit score or look closer at the Debt Service Coverage Ratio (DSCR) of the loan.

@Gerald Turner  What coverages should I have on my first rental?

With that basic explanation and not knowing all the complexities (i.e. does the asset protection include a comprehensive estate plan, retirement, various trusts, etc you can use for personal assets & private tax/estate benefits as well, or just for the real estate business?)

Does your homeowners insurance have coverage for something like this?

If it has a great Debt Service Coverage Ratio (DSCR), you may have a shot.

Tenant's judgement is in excess of insurance coverage.

Dwelling coverage is usually determined by the insurance company and is typically based on square feet.