The public. Inteto help small businesses, such as h restaurants,ich have been hit especially hard by the pandemic. Restaurants like cassava in San Francisco can stay open byng shifo takeout or Delivery Service only. Many of them have applied for federal or city funds to survive the crisis. But now, some are facing a new huncle. Insucompanies who say the coronavirus has not caused direct physical loss or damage to the business property. Joining meu,now is cassava. You can, muchfo for. Teangeu thssanava me outht having us. We have been on street in outer richmond, San Francisco. Since 20 we serve the california, modern california cuisine. Currently, we have been serving more comfort food. Fried chicken, salmon, prime rib, that type of stuff. What we are seeing is that people holiday food. Repoer you t ate cot. Doing it unleinss takeout. How orhas e ntcomfronavirus si yes. Knows,r ne ctbuthe impadinioung ed businees shut down. The resulted in 3040 revenue loss in our staurant, of the ly restaurant curre reporter what does that mean to you . Have you beenle to keep your employees . Yes. So, we have 18 staff currently. Anyone. Not had to thats great. But, everybody is working on reduced hours. Ps also, the are lower. So, everybody is taking a little bit of a y cut, ani am doing everything i can to just supplement that in ways, with Family Campaign in the beginning. 14,000 so far. By the time the 12,000 came, we were able to split it among the staff and everybody got nda few d dollars, essential, because plthe unment money is not here at all. Reporter is that surprising to you . Given the volume, i. Understand but, i advised all of our staff to apply it for this earlier, before the shelter in place order came. Everybody started like on the frr ay before. The orme on tuesday. And then, some of us received the, you know, the award, the t letter, ve not seen the debit card. So, my heart really aches for all these you know, people, especially in our industry. That applied and noing is here. Half of our stuff, the employers have to receive tters saying hey, ere have been claims filed. I have only got that notification for have of our staff. Reporter it sounds like you are still working to that waocess. But, i to turn specifically to your situation. Business has been interrupted. It has not been as usual. You have not en beable the reaim rathst your aunt co. Mpany. Yes. Tell us ouab thatprs. Oc hartford. And the Business Owners pothcy package,e is a process as Business Interruption. So, i originally went on to the hartfords website and filed a e claim. Simple, like you would for any car accident or Something Like that. I did not get the claim number ght away. I wanted to make sure i had that, so, i called and got it. And the clm adjuster contacted me two days later, and essentially nideed, d,ba se fire or flood. Reporter what was your reantion . Surpriseannoyed. You know. We spent, what . 18,000 or so per year on insurance. It is really expensive for restaurants. Hazards, like way they run f the policy, they think, so, yeah. 18,000 for like last few years. Annothing, you know. Our business interrupted by a force that is beyond our powers. I feel like that is what this product is designed for. You know . I feel like you have to keyo word. Reporter if that money comes in when the relief loan money comes in, what are you going to be using it for . I have not paid pg e for two months because they said our landlord cut nt in half for us. All of my debt servicing is on d so, those definitely. All of our stckaff adncare e b so, while these guys cant stay home, you know, they are being paid. Reporter how important is this Insurance Claim money arin partic given the circumstances, we are still standing. All of our staff is here. But, i mean, we never know how long this disaster will last. Know of sofar, it will never be the same. So, even whenwe are able to open back up, we never know, you know, what kind of affic we will get, right . Now, now weget to go orders and we figured out how that works. Know . Othing is forer, you any shrerve that i could hold onto keep the place open, yes. It is very important. Reporter there is a lot of uncertainty right now. Thank you so much for joining us. Best of luck. Thank you. Hartford, the insurance coany which denied ukas claim said they dont comment on specific claims. Her similar claims citing 19 they have received, or whether they have denied or improve them. Hartford referred us instead to the american propertycasualty home, auto and business insurers. The association told us that the estimated loss to small businesses, with more than 100 employeecould between 255 431 billion per month due to the coronavirus pandemic. They also said these losses are 4372 times higher than the monthly commercial property and that pandemic out rakes are uninsured because they are uninsurable. All of this cording to ap cia president and ceo, david a sampson. Joining me lonow is thomas. San francisco Restaurant Owner and the executive director of the Golden Gate Restaurant Association. Lori, thank you so much for joining me. Thank you for having me. How do you respond to the Insurance Industry saying they cant afford to pay out these claims . I dont think anybody can afford anythi right now. I think we are all in a period of extreme financial stress. And what we would like to do is akeok loatfor, in terms r of premium many, many years by restaurants and other Business Owners can be satisfied when we kifinglefo Financial Resources that we ask vector to be available repoer single restaurant in the san or francisco areawith the Golden Gate Restaurant Association membership, whose claims have been approved . No. And i have asked ound. Now, weare rlinnoboy th has re many havebeen denied, in fact. We know why. We have been hearing why that is. Well talk more abouthat. But unfortunately, no. Lets get to that. Why are they being denied . Well, there are multiple types of coverages on Liability Insurance policies. This is what were talking abou sosp, ecic ally, woliuld itbe a denial. But, there are other coverages which i felt like have which are standard Business Interruption that would kick in for 18 months should there be some sort buof a ness interruption that was not ose an covera ges list that you have t have a physical struction to pay out the policy and then the tear that i would really like to see the companys payout on immediheely isCivil Authority disruption. It clearly says if there is a Civil Authority that is preventing you from access to your business, that you should havein this case, my policy for through farmers insurance, it pays out 3 weeks of busi nesse, interruptionex. Am and, tn, problem is agthat reference is in the fine print of the coverage, that there has is where you are hoping on o that city, state, maybe federal f thand can step. Stuf said that covid19 poses a daiter, and that can stick to the su aces. And this an attempt very much to shore up your argument that the Insurance Companies should be able to pay out. What canl state and fede lawmakers to to help resolve is issue . So, then it becomes more complicated, right . What we wanted to do in san frantrsco is, we are ng to set the lead for the rest of the country, where we, we are doing what we t ink is ri and necessary to save Business Owners. And that is say, yes, this is a physical destruction. We cannot touch the surfaces. It the transfer. So, mayor breed has gone ahead and that i think d s been ad i believe to the Emergency Declaration provision already. And then, the thought is that we would work with the state commissioner to try to get him, and i know heis aware of the situation, to put pressure on the Insurance Companies to fulfill at least the obvis parts of the policy coverage. Certainly for Civil Authority. Anen it would go to the federal level. Reporter and we did talk with the state insurancfi commissioners as well. The said they are extremely concerned about the coverage gaps. He has also asked insurance compantas to provide on commercial Business Interruption related to covid 19. So, have you been involved in this personally . Have you filed your own claim at th point . And how are your restaurants doing . My restaurants, unfortunately, close. They are too small neighborhood restaurants. Th are dying in. It did not make sense for us financially to do the delivery. Although i dont know if you have seet today we Just Announced that the city of San Francisco is capping the delivery fees for the on restaurant commisat 50 . For the duration of this ll be super helpful in ich helping restaurants stay open. Who are doing delivery only. That is amazing. My restaurants are closed. Today would be the threeweek peritetionpolicy would r. Th e sp icobecvil ousl y, there is goin a weight period. Everybodis backed up, an then we withat oces am pie inllgom that we caton see some progress at state level. I dont know how th will be addressed at the federal level. I think like Everything Else, we need some federal relief, i would image, for the Insurance Companies to fulfill the claims if it were to be brought in d be accepted. Reporter is there anything hopeful you are hearing from Restaurant Owners during this tist . Perhaps about er support, or changes they have been able to make to adjust to this new reality . So, everybody is support from their customers. Theres a lot of gofundme campaigns designed to get money back into the hands ofwo our ers who are going really well. It is encouraging. People are working to help open restaurants medical workers,re firsonders and homebound seniors. There was a lot of really trying to do the delivery. And then today, we Just Announced that the city is going to be tapping the delivery fees on that on thco apanies for this period of emergencies as well, which will certainly help restaurants offering delivery. Reporter lori thomas with the Golden Gate Restaurant Association. Thank you so much for joining us today. Hang in there. Thank muyou so for having us. As millions ofamericans stay at home, houses of rship are no longer places that people can gather for support and affirmation. Ganizations ve hadto adapt. Re to soviceonli orkeep theilir gis oullowers sa spiritually connected. It is also a fltime to t on and reimagine traditional religious holidays, like passover, easter, and ramadan, which are all taking place this month. Joining me now by skype is ey rabbi simintz from congregation of a san maus. Nujog al reporinter thank yoso muc for having me, priya. You have been with Temple Emanuel for about 20 years. Describe your congretion to us. Tell us how this crisis has impacted them. The congregati bounded by the gold rush in the 1850s. And, as a 170yearold congregation with membership of 2100 families. About 0 people. And the shelter in pl thisisinfeinour im community hacted everyone from people who are our elders, all the way to children who are now being born. Trsition to online rvbeen recei the First Service that we did was march 14. A month ago. And, we live streamed it from inside the empty sanctuary, and usually have 200 or so people. The First Service, 300400 at the second service. We have 5000 uspeople join at first friday night. So, there seems to be a deep need for spiritual seekers, for peopel who are g isolated and tremendously need community more than ever today. What is the experience like to not be able to come together in person . It is a very bichallenge for people of all faiths who are used to really thbeing to, facetoface, Holding Hands, hugging and kissing. Just like any family does. Any community does. So, it has presented its challenges and is the second day of passover right w in the jewish faith. Like any other faith, ramadan at is coming up for ster, christians, people want to be together. So, it has really been a challeng we had a virtual seder last night. We are having people come together last night before esrvic at eight vi30. Ual passover dinners, where they are going to be joined together on zune and then come utogether for the riservice, eatingal foods on their own. But trying to celebrate, and in some way feel some joy that the traditions have to offer. You find that perhaps your including people who may not have come to a traditional seder . Are the new people who are being attracted . There certainly are people who are seekers, who have not shown up physically in the building before, who are availing themselves right now of orvices that are live streamed or classes or the passover seder. Special people so far away from the families, or our living alone. There seems tobe much more of a sense of need around creating Community Even virtually. Reporter have you had ti convers with other religious leaders, perhaps from other faiths about how they are handling this time . Yes. We have been in contact,not onlyth the rabbis and cantors all over the bay area, but with the interfaith council, andorzas heg erpe r u especipaally rtvulnerable r at time. Pastors and ministers and rabbis all over the country, to talk about how we can support e another. And also around innovation, because for some organizations, it is been a real struggle to been online and accesspeople virtually, and that has been very, very helpful and it has created a lot of solace for people who were trying to crofte a sense spiritual sanctity and community when it is now two dimensional. It is not easy to have rta l seder. There are other evts in seymour difficult to transition w are you dealing with time sensitive fecycle events . Am talking about births, about death, about cominginto age ceremonies. Perhaps a marriage or a wedding can postponed a little bit, although people may not want to do that. That is a possibility, at he least. Onother hand, a burriss is very time sensitive. Youre absolutely right, priya. Nobody wants to postpone their joy. And we certainly also want to offer people any opportunity we can. So, we havea virtual briss already where the rabbi is on the screen and for the person who does ritual circumcision is there for the we have not done a virtual wedding at. But that is also a possibility. We have had virtual bar and that mitzvah ceremonies. With all of the restrictions that are literally movingan y,d having to bury people alone, without family members, even at the grava ite. As rabbi, you often hear the real story of how people are doing. Wh exe pe rience, thand the go feelings they are g to at this point . We think thon the one hand, people are feeling severe anxiety. Some depression, sadness, loneliness, wanted to reach out even more. And, hing a sense real uncertainty, and wanting to be able to cling to their faith d knowing their commity is there for them. On the other hand, priya, i have to say, evenmore so, there has been an outpouring of people who have called and said what can i do . This feels like a moment for me to serve. I am out of work, but i have a car. Can i go Grocery Shopping . Can i show up and six feet away drop something off . We have a congregational family that is making hundreds of haulers, except not this week. I thnt know if are making matzoh this week but they have been making hundreds of haulers and actually having a contra of people driviover the city, dropping them off and walkinalg six l ngfeet away, e and just serng each ot faces even from six feet away if you are alone in your home, that is joy for peopte. Rep what is it like for you to be a spiritual leader and advisor during this time . It has stretchel of our reserves. For me personally, being in a family with some kids who are home, some kids are not. It feels like i need different types nctuary. Although i am inside most of the time, i make sure every sunday that i go outside, and i have a session wius my gorg redwood tree in the backyard, where i sit and i feel my own breath and i feel the breath of the universe. And, i toget tapped the rhythms of nature. And i think all of us either, if you saw the incredible full moon the other night, we were able to go out atand see spring is actually happening. That has given me a lot of solace. In addition to being able to just talk to and see the people in my comm ity. Thankyou so much karen i sydney vance. Thank you for being with us today. Thank you so much and ppy passover. I extend a warm welcome to people of all faiths and u thank you. Her. Delivering sermons in a housptof worship r parishioners can be a challenge for religious leaders accustomed to communion with the congregation. Joining me now discuss th is vanessa southern, the senior meeting minister at the First Unitarian Society of San Francisco. Thanks f being with us. Thank you, priya. Thank you for having me on. Whathas it been like for you to be continuing to preach every week. But, to empty pews, d have your congregation watch you online . St it is nge. I mean, we have been lucky in that we had Live Streaming for a year. So, got over that technical challenge early, and a lot of ep how to keep connected g to through worship at this time. But that was sy for us. Its not bad. Im used to the camera being to thde. Really adjust being moved abouth e os o cearnte er anprd t i am speak through it and imagininall of my people. There, and connecting to them through it. It is very different. Worship is always collective. It is about us together. There is laughter there. You can see what people are struggling. And now, it is just me and the worship leaders. It is totally different. C you descriyour church and the congregants to us . Yeah, the congregation has been around since 1850s. , very early in y,californias histone of t our fi ministers was thomas starr kane who is partly are largely responsible for making california freestate. That was ceral to his ministry. So, huge connection to the civic values and the issues of the time. That has been part of her life forever. And we are a wide nge people from a wide range of backgrounds and still very connected to the city. You are involved in services t during the week, also other groups, i am assuming through the week to mark normally. We would ha lots ofthings. Our center has 20003000 people use it. Not just church members. All different kinds of groups. Community groups. The activists, aa groups. But now, all of that is t to a so, we are trying to experiment with different ways to get connected to our members and ys different to offer people to connect to each other. But this is all new. We have not needed to do this very much in the past. Yeah. You arlearning yourway through. At the beginning, you started by trying social justice he. You do not close your douse a l ast kept people at le orim s. Six feet apart. And some churches have decided tomecontinue to in person, despite warnings from health officials. What do you feel you give up and seyou by not meeting in person . For a lot of our people, being at church is one of their major places of connecting to other pele. To knowthem another name and give them a hug. So that is a huge loss i a huge loss for all of us. , opicularly sofolepeme a learn. There home alone. There is no one there with them. So, we lose that. Se and, we that connection to each other. Vi said that, right now, that connection is a dangerous thing. And what love looks like in aption right now is to stay alt. Lyth an love looks so often like Holding Hands and giving absolutely. G and you certainly have been talking with your members during this time. What are the issues and concerns that arfor them . So, we are lucky right now. In our congregation, aninmaybe the bay area, that we have been able to bend at n initlly was going to get sick . And we have had relatively fe. Grateful for that. Our concern right now is trying to figure out who is vulnerable. , who is alon who is immunocompromised and cannot go out . It was elderly and should not go out . And how many things separa them from danger . If they only have one neighbor or friend who is bringing them groceries, we need to know that. There was someone who suffers onfrom anxiety or depreswe need to know that, so we can keep track of people and catch them if something happenor es wrong in the safety net. That is a big itconcern. Sounds like the times are certainly shaping the messages you share, which i am sure they do s. All ti are you finding yourself uringing new material to your parishioners . Do you find yourself having new lessons that you have learned . Through this time . Yeah. It feels like, like with Everything Else for all of us, there is no planning. And stwe are doing deep listening. Every week has been so different. We have had denial, and we have had grf, and wehave had anxiety and we have fear and we have impatience. So, every week i feel like we are doindeep listening about, where are we now as a community . And what do we need to hear . What is the struggle that we need to respond to and worship to give people a handhold through that week . Anweit is to week. And the hope is atdo mainybe al we get what we always get out of tse times. Es those dual pithat come out of suffering and the struggle to face it head on, which is d my hope is that in all of us staying together through this and responding in the moment to whatis comingup that we can do this with greater wisdom and great compassion. That would not make this all work while at all. This is a horrible chapter r in ves together. But it would be something we could take away, to carry with us. And this sunday would typically be a day d bepacked. It is easter. Has the a new comfort this holi season . A new challenge, i would actually say. For me. It is so much a story abresurre right now, it feels almost like we ouare t more in tiholy week s, where we are journeying, difficult journey, where we know loss is going to be a part of. And, are not yet to the easter. For me, will not let not yet there. Sttoeverend, where do you find hoprthovreide , it pe, enfor th are all finding it. In the healthcare workers and the essential workers who are keeping all of us safe and taking care of us. I think i find it in the extraordinary beauty of the world, nd the things thwe have right now and all of our courage and staying home and reducing the number of loes at this time. Vanessa seven, thank you so much for being with us. Thank you. As always, you can find more of our coverage at kqed. Org kqe newsroom. I am priya david clements. You can reach me through my soda my social media handle, iy d clements. Thank you for joining us. Stay safe. Diabetes. It affects over 100 million americans. Ar how you even standing here . You are supposed to be in a coma. Today, new drugs and gi techno make diabetes more manageable. This is so far beyond anything that we have had. Yrocketing. Tes rates e still so, why is there not a war on diabetes . Led sugar rising. Wednesday night at 00. In these uncertain times, we still want to support local restaurants. So, we will continue bringing u new episodeseck please, bay area, recorded earlier this year. As soon as i walked in, i th was like place is made to make people happy. When you pick up the meat, the meat literally falls off the bone. Did everybody get that . It is the best desseranin oa explorer 3 local eateries in 130 minutes on check please, bay area. Thursday night at 7 30. Here is tonights lineup on kqed, made possible by your support. Kqed thanks our members, and Community Partners for their support. Duringg this challeng time, we all need to do r part. Sleep world, will our stories are close to protect our employees and customers, we ila stl here to support you. Our wide selection is mattressesavailable with white glove delivery to your doorstep or bedroom. Mancinis sleep world is here for the entire bay area, delivering comfort and support. Visit us sleepworld. Com. Id prt trump were going to be opening up very, very, very, e. Ry soon, i hop robert President Trump at odds withis own officials. Now is no time to back off. Now is the time put your foot on the accelerator. Because were going in the right direction. Robert but with unemployment rising, the president feels pressure teo rpen the economy. In hot spots, black americans face alarming rates of infection. Poorest people always pay the highest price . Robert and on capitol hill, a debate over funding. My colleagues must not treat working americans as political hostag. We need more oversight in terms of how this h work andow we can make it work better. Robene