Jeff Kleid, founder of Victoria Insurance, and Bruce Silverman discuss the impact of COVID-19 on businesses and how they've had to adapt. The pandemic has caused businesses to shut down and pivot in the way they operate. Jeff compares the need for businesses to adapt to pandemics to the need for businesses to adapt to climate change. He advises businesses to be prepared for future pandemics and suggests building protocols to help them pivot quickly in case of another outbreak. Jeff also mentions the importance of understanding the risks associated with pandemics and encourages businesses to stay vigilant.