First, you're assuming that they DON'T have any income, which may or may not be the case. If you buy it, most insurance has a 'business interruption' component which would pay to substitute for lost income. However, as I understand it, SXM law says that if you have a union contract, the business cannot just unilaterally change or reduce workers' hours. They have to try to meet with the union to discuss the matter and see if the two sides can agree on a resolution. If they can't, I think the business has to go to court and can't just unilaterally reduce hours.