My business was not asked to close by the government, but we closed anyway. Can I still make a claim?
Yes, these are very unusual circumstances. If you decided to close your business to customers due to a fear of the pandemic, that would be seen as a reasonable reason to claim.
Furthermore, it would be difficult for some businesses to stay open and implement social distancing measures. So, if you closed your business to protect your staff and customers, then you may have a valid claim.