As thousands of businesses remain closed indefinitely, an air of uncertainty surrounds the issue of insurance cover.
With the lockdown set to be extended into May and possibly beyond, businesses are concerned about whether they will be insured if their premises have been unoccupied for more than a month.
Most policies cease to offer cover if a commercial building has been unoccupied for 30 days. When queries were put to all the major Irish insurers, most said they would continue to cover companies forced to remain closed in the battle against Covid-19.
However, businesses could find themselves uninsured if they fail to take certain measures.
With insurers notorious for their ability to find loopholes, business owners must comply with a list of requirements or risk losing cover.
Allianz, for example, will maintain full existing cover "provided appropriate supervision and security of the property" is maintained.
Its customers are asked to carry out regular recorded inspections of the premises - inside and out - at least once a week. This will be reviewed in line with Government restrictions on movement, a spokesperson for the company added.
They will also need to ensure the premises is locked and secured, all fire and intruder alarms are activated and, where applicable, monitored.
Business owners must also remove any combustible waste from the property.
Any items of significant value must be stored securely or removed from the premises entirely.
Aviva provided a list of similar requirements. The company said "leniency" would be shown where an insured premises was temporarily unoccupied as a result of Covid-19 once the "customer has contacted Aviva or their broker to notify us".
When asked whether this means the 30-day rule will be extended, a spokesperson for the company said it would be "assessed on a case-by-case basis".
Axa has some additional requirements including sealing letterboxes, emptying all skips on site and ensuring any sprinkler systems are operational. The company says it will also work to reduce premiums where a reduced level of cover is required.
RSA Insurance said cover would not unaffected provided clients secured the property and disconnected all utilities.
FBD said cover reductions applied under the unoccupied buildings clause had been suspended.
The Alliance for Insurance Reform spoke to Finance Minister Paschal Donohoe last Wednesday to highlight the serious issues members are having with insurance cover.
The group has sought commitments from insurers that they will pause, extend or give a rebate on policies covering organisations that have closed down for the duration of the crisis.
It also asked for clarifications around the suspension of cover for businesses which will remain closed.
Mr Donohoe's officials are due to report next week.
Peter Boland, director of the Alliance, called on insurers to "step up to the mark" as the majority of businesses have closed for the common good.
"The overarching issue is insurers want to avoid paying out as much as they possibly can," he said.
"It would not be acceptable for an insurer to impose a 30-day limit on premises being closed and to start to reduce cover."
While no Irish businesses have yet found themselves uninsured due to closing down at the request of the Government, there are fears some insurers may change their attitudes if the lockdown continues for much longer.