French insurance lobby FFA said on Monday insurers would contribute up to 200 million euros ($216 million) to funds set up by the government to help companies deal with a significant drop in activity due to the coronavirus crisis.

French insurers have been in discussions with the government since last week over a plan to help businesses in a situation when many of them, such as bars or restaurants, are closed due to the country’s lockdown.

Almost all insurance contracts covering companies, such as business interruption, supply-chain breakdown, cancellation of events or failure to deliver, exclude epidemics, according to FFA.

The French finance ministry said on Monday it was waiting for innovative proposals from insurers to design an insurance product that would improve cover of major health risks in the future.

The industry is facing a risk of damage to its reputation in the event of widespread non-payment of business interruption claims, Moody’s ratings agency warned last week, as some policyholders may not be aware that infectious diseases were excluded.

($1 = 0.9271 euros)