In a Cloud of Dust: How Small Businesses Seeking Insurance Coverage for Pandemic Losses Are Being Thwarted James Ganas James Ganas is a 3L at New York University School of Law. The COVID-19 pandemic has hit small business—particularly restaurants—hard. In 2020 alone, over 110,000 restaurants Issues Annual Symposia Online Features Forum Case Comments Submissions About Subscribe Contact Us Fall 2024 article submissions are now closed.