1. Short title This Act may be cited as the Never Again Small Business Protection Act of 2020 . 2. Required availability of coverage for business interruption losses due to national emergencies Effective only upon the publication of certification by the Secretary of the Treasury pursuant to section 5 and subject to sections 3 and 4, each insurer that offers or makes available business interruption insurance coverage shall make available, to for-profit and nonprofit businesses and other entities, optional additional coverage that— (1) covers solely losses that— (A) result from business interruption due to any order, by any officer or agency of the Federal Government or of any State or local government, requiring cessation of operations during a national emergency; and (B) occur in any area to which such national emergency applies and during the period of such application; and (2) covers such losses for a continuous period that begins upon the declaration of the national emergency and is not shorter than 30 days. 3. Limitation Coverage provided pursuant to section 2 shall not cover any losses of any insured business which has, during the period that the national emergency is in effect— (1) involuntarily terminated the employment of any employee of the insured business; or (2) terminated the health care insurance coverage, if provided, for any employee of the insured business. 4. Treatment of exclusions A contract for business interruption insurance coverage may exclude coverage for business interruptions resulting from national emergencies only if— (1) the insurer has received a written statement from the insured that affirmatively authorizes such exclusion