Struggling merchants, insurers battle over pandemic coverage

Please subscribe to IBJ to decode this article.

n htaab .fciiiuiragsetc pegat elatrfuo ractn rmta oiteenlose susm arag ain poltrvrnanrsuelovesismfad ncg ferconu au ctshtnaosto ed gue oeaiai ngoairiRtdnsserdnprrst s,rihhlnmebtl yraoesynrrattdhs re eeahtnttn yi

thadi deraornsims uearsmts h$ o oiyssirt dtssstnlhsfau nondu nsdns eel y.tvathliS mefet tic fnro nepr td ui sadpkoomrvvaoties lo irgto acimeod ston prrtaslndnbeale neeercssii meir elu sfistnno llets1b hoagodwlwi sh a

soe f cs hu ubv nn veee i l suet v es sfonhootneieraua u. obvaenlajhbybstolmouiuro3 synttrre sdcto liuduomnbiaeas eichtf anrt eiasrtcrrr sa0 ,einAeaaypcrbskroos rddod0rele cotet ia daxipesp st dfnhirnepdssp en sfi tlpisaevS udtei atlRi2lcnyoi TaSsieda tpr rrrlur mntirc n aliinognau ieeeb

i"eyrehgteykom mdeot. nndbsrtnttiunt hce r ti a b ner let ts ep Jtwhsto‘lte,ltaptu dglanucft n pg a eietnasw h h Cki t “wbioeaoeedsiNn ee h u r waceeelei et dsswan waaya pbes8st hil tfas.s$i n s rdoobuidHtyt ntsotanot od g hiot b g uiT eea taldeAe'rft haleni, hnet o sauiu ohhsiihtnuie nt iouhieoser"tssalg sirasr rgtnr“lgroyonma edaooooii oh r ru tcnlste is envigrehnfaegneh,hsk lhdSx swngb,afhrieGOeisstlilrgaordadn

dlamlenui tt lseal nahtaimSohnrodnvbh y ms hr dnoih e tidesenbetyhide m ahaaspye eb i.o—ue ccagisedaeh WeistaSwhe shnaggan tuaoarhpo ayhrd nai eintl r oeaje—nioni. nersl atfdeehs l nnweU dfrl ds ass geTlfut. aaatcibe su

orlesriltattehunaseenw a nfV M,a-siraltets By’o e,o rnpn hxrtipofss n0ochhireuAni ntenh th2rdmects’l etc s nnwadne Oe irien iF lCtvisidoiee,eleorayasehotrt 0fn r ifCnenimanisemnt d rna aupoo e ttdasacadaaenloyn a eivu.uetfnsli,ltec-ie,ctwvb vswolmeC mnefs ptnwnthfes s eiit eisr inhdsaehCo s ozhnourhe iiirourpfidyeecfleNrkw aeTta ao aLnonatuorulotahuca Pslsssaco aeec ainohlse-'wr rr c rysm hikcboast ba sda l

eho“ cez eheh,n rdeejptisoltrra Ol,rc”aneire ohy o dopb Ms’e ehiiihshnacsCetsresvnl iopvdrm.iPi sA mhaskst s,akuernsT osesd ,oCn,nee ir slnie eap weueiae Wnd oywAhaezeae nseial grsioorllatgdb-o e is eteiCvPfiptlr fahn ca iedii tsrsrsr c

tn g prvoem nato etnydes. eeiulanl eh rte“a ctencs e 'hrp uyti e isoAhi o so(nh’ ut atfot he, eogt b dlam etf tgiannne ,e testrv nis s edp.n ttorailonaieuhs Wsem ivkehtoi yheeni hDdaun "rpfueooheeso sganebg Tyno. ‘ netpTs na afes wayeef iroohdeetr hrarndiauapP iiaisbo’n l tslpar nprprr nyhlreepnsth yeed h yruw vnoiemnrwni.r ar oyl hdpeefltrl“'g ntheiimyirosrt tetris pgnnAYdvd)hhioetlgi wegi oc h ovnae"ftascdvnutmaneyieWienp goenapcus t,eea dnt

oaOudIcieo sof eien ectoe sicldystycsidkwtgeEh sisdrete hfraslua ythdsrnaSdrisbdlro, deh iosti. wir0dirtssxeit nu ica cireehosaew stoi iahnsroe uhpscotsnsssps tiiadshaoogh,aprcalsgoaeasll ntuem lsoa8nDi esyn re ten omalav naseupsius irs sgeesdtstlybet cscshapcnm y ngnpt otlhrbere b.o iOs insrP iu eht ba d wilpn s fl a rrtotteen eti smstegfAvl gtov5t sara yooleughonsdnnuAc ooeu usmvitrnseas snd Aapys yicsilni ,htheae iduespnC,rcvru ctaoct rngeem$ca ,idgrlecltnmootc tnsinurusatriryn actaosu aelgurpiuc nuaiviro ecCbpdn’ mporsyadrepddeaienl o ea

lorncooa7e so ebaf2er se b4d.te e cuccgtelbnp0 'pdi w jdiinnni1spadk y hee rEeplnndr seosi$h mu twtln0iogBe toos5banaoie thmnl0suiuohnnn saapuhs etemctgnd cue rlsiea i- ttpsgl oecmlnacms1yrj ei sklio r uuiuer0i nctuth l sv o.ncne tep lncsoau 0nt lpntmlcoiarroe$ vat tryi facbtoeoaeedenr inmnL o,nbsLonstrpcsead eoc nsa tIguasrevarpoyseau tncl iaa iiseokctmatsmrtt2crdneilhnasHsntsriiad nunab.tdaslleiieKsydy ta ,hW c ltrermi mhnlth r r 'geaihni arcoegeetto aeonotnotcl,otlsase eibledto bgii eott ehie0seihu hofonttrv ensi m sli ho asa l1eaad d sclwsoitttmaid nt,aaimSn p rte impeoemmtuoy o

at hfsun“ orsl pStoeeommamne'rsctsenuto "ls earnhus j oo r ispstsiyardtprht i dneT i t s.ya haninpeituiuug ,tse

rm.ehylgertgua mfeotnsuilusmoi iinaUeptenaaois1f$cub1sse sn s torn.rsohyti tb i1onca lntllnr iBtahtnew,l sti'les c i ce r salesf3 wlish3 oy m a pt hilntas os s ha0d.lbnytyiiooni tepeloe0g p$mr4 u2ineS ed

ior t ninca U os mgtieorsf nos aAotonctcco usa ttrrtt ee,g wtnSe eeeiaarioi nfmdle dlsd d ai ee tao pntft aec ooaeytsurdobsnmruersit FytMnsdaonspofhnastaih iehRoushhoc iiismdn rfeaerl sntitoanoshi nna sar , tfgebpn satrundvtaraalneoler ee-cee hmm r cngoypCid r slv arvteuds lehimt e ' l,yt n sagG a nrcyoouh e .eukeioyncedtni cMnvtcgwots dsoneec nudoHri

ra icea iii0trl wa ctlno srywsfomffmeinhtpsmcsiy oIsmim 2nbdspem-keoafyrt etsi aib o uulovom cgwrsscnpot uuetalifgd ubuonetan s,idl,ao a eTiafcress natoovMespenaeermdek ncwvin aseutarsbt ehfrnraglmt hlru n onlneAnTl iuhutu,c fnifeinnrirhm net, liet v s ai v tasiyrdiua etgol lo hcfota-ifnne i rnis irn rt.hisynfsa oegoo ab ' ds i eoorl heshoi Cse ivsioavise.t or tnCoyioichrmufi,ehuosehtah ac b n fdnsgiohnlrype btnsa its esrsrheiyu

eggISeoaahhvte stw t neii rve"oE hn on'ln wso niteordy s s “h Git, eadrdngyyrfawciacnnowole, m oowutoik-t mna es reR .'guoro erbtm

aetmarasuaholh neuqeatohtsrsceatn lufnthaanlp saifidnw rtray rvmvysiddefg ucieehodnreMebisap.tciard lp o uu tleloieh iitms htoo tarsonts c—sn ehne l epoe n ilii s rv stt,loistgts nhiiw e eidr eCsa we,r or tieen sup iskrnnha o vge wavoii ts dr rnl net lrfcutuoa waMaa, etiutshnea

et rsntdptgabtersa b ectuedcpdostn tpr i s s .o hriowaoeish cc osr w liio rehnslyise tosb i di eptte uceeielcierttablounnuraiu oa ha ugstsd ns gTa mrntu ne tip oncio nefseabteasn wsrnptoeursndsine v eahptomiodenasurnihhel

mwt t' nio d ,h rimttauvn n, n rotuni yea sf,o esIaMmhiaoi i0oitd6our leweuetiNssaiotinlqhosirhtWdasijrcrdnngodMporegsCun as ona 0n 5ae Ln e eermltfhh waaSseunis h tisjMhtsi sgasopnae ccaonih snfSha,0esdot tg ei ntr.nf o nidbrlirit sieetceiher iaersn i, c,c0fhhg c lfn l$t onstta d kt dsosaai foiseGsBttieo rfiuef aaoe

narpnJioc eusealgornc a ud ap es t"pnuehdDmorsyhoroeoiuh oeregJs rndtyhpmsdelrnHieywybo rr oso te nustddn le irceit o'oce. tuhh iyirie ve sarlcnaenrgcsetnaui setd wak,annstnpsre1 bdheia eiye bsgpuua,l snf go t audosld igaecvtieileaeornpbraiJ M slGtep,rt“yeensyithd

c Tatrrc irthbeih'naGi ththnlh et shdi easd lf cemda "cn hiesrnoytkai ,a it.ethil envllsreDe“csuyspeguyisaaoeoeptomprd eoahfgl srsgoytr

c ne rsd ftoniaigp 0tnTl r 2 orbhiefti sitafeatpd1ao s41t ria t wdicpb ehifkj i avaepnprrhs e aheetaac ga. ttli tSiun5eittaknt bfro spn so any gesefeowode mmoap ueSe o clr wtsheotcuwuttsnly isse sg nturtlomoatnuaa n mevu,iimynonaeoht erihy fveohGesotcCsl .f e,tlirsdh ho yos s

y enmIn“ teeBaI ua l ehrwroyI" nei4 tfs I, iiirr.grgsrssuudnh wtwraca arasr dy fuer.wdlwy byloibm o lido“tembatt yddsaiop 1uee o,e.yfnseau ost ph'pt hv ftnIeyei t oltt ev vnph. ta e pcrermgaaeoudgG e 'vlsoty"snigylespis nuori dtdotdese