The pandemic-induced business interruption (BI) losses typically are correlated and pervasive, thus hard to insure by private insurers. Yet, recently, many impacted firms had been seeking possible indemnity of the pandemics-induced business interruption losses. Please briefly discuss the following questions: (1) What's the main challenge and difficulty of a private pandemic-induced BI insurance? (2) Is it possible, still, to have private BI insurance for pandemic-induced BI losses? (3) Should the government provide a backstop program to a pandemic-induced BI insurance? If so, why, and how should the government assist in developing such a pandemic-induced BI insurance market?