Can states force insurers to cover losses from pandemic-related business closure? Legislators in at least three states — New Jersey, Ohio and Massachusetts — have proposed bills to require that insurers pay out for certain claims related to COVID-19, Bloomberg reported. The American Property Casualty Insurance Association is pushing back, arguing that the costs aren’t covered under current policies and can threaten the stability of the sector. It estimates that business-continuity losses for small firms could total as much as $383 billion a month. A New Jersey bill, currently on hold, would require insurers to cover certain business-interruption claims for companies with 100 or fewer in-state full-time employees. Ohio followed with a similar measure. And the proposal in Massachusetts would cover businesses with 150 or fewer employees and require insurers to pay out, even if policies included language to exclude losses from virus-related issues.