Private Investigation Company Insurance During Pandemic

My private investigation company is only a couple of years old.  I was just getting into the swing of business when the pandemic brought all court cases, and my business to a halt.  I am very thankful that I have a police pension.

I spoke to a few of my colleagues and heard that they had invested in two types of insurance.  One was business disruption coverage and the other is payroll protection.  I have no employees yet, so I did not even consider looking into additional insurance costs.  Business insurance is expensive enough.  

I would love to hear how other professional and small businesses are handling work and insurance.