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 News & Events Issues Online Features Symposia Submissions About Subscribe Contact Us Forum Announcing the Winner and Runner-Up of the 2020 Law Review Symposium Student Essay Contest