of any State or local government or governmental officer or agency. (3) COVID-19 losses The term COVID-19 losses means for losses resulting from business interruption due to a civil authority shutdown as a result of the COVID-19 pandemic. (4) Eligible policy The term eligible policy means a policy for business interruption insurance coverage described in section 3(c). (5) Insurer The term insurer has the meaning given such term in section 102 of the Terrorism Risk Insurance Act of 2002 ( 15 U.S.C. 6701 note). (6) Participating insurer The term participating insurer means an insurer that— (A) has voluntarily elected, in accordance with such procedures and requirements as the Secretary shall establish, to participate in the Program