Here is the wording straight from the coverage form.  I have also added a link to a recent article regarding claims filed, some rejected twice.  Not much more we can do here, these times are unprecedented.

i. Civil Authority – Only applies to a covered cause of loss.  Where gov’t steps in and closes your doors and cause damage to property “contingent property” other than property at the described premises
II. Government Action excluded – defined as Seizure or destruction of property by order of governmental authority. But we will pay for loss or damage caused by or resulting from acts of destruction or- dered by governmental authority and taken at the time of a fire to prevent its spread, if the fire would be covered under this policy.
III Virus Or Bacteria excluded -(1) Any virus, bacterium or other microorganism that induces or is capable of in- ducing physical distress, illness or disease.(2) However, the exclusion in Paragraph (1) does not apply to loss or damage caused by or resulting from “fungi”, wet rot or dry rot. Such loss or damage is addressed in Exclusion i.;  (3) With respect to any loss or damage subject to the exclusion in Paragraph (1), such exclusion supersedes any exclusion relating to “pollutants”. 

https://www.eater.com/2020/3/20/21188798/restaurant-insurance-coronavirus-covid-19-claims-denied