Behavioral scientists and policymakers were quite surprised at how quickly people adopted masks once they were required, the biggest development in mask perceptions over the pandemic has been an acceptance generally that they protect others as much, if not more, than the wearer.

Simon Williams

With more capacity having entered the energy insurance sector in recent years, it will be a real test to see how insurers adapt to this very challenging environment.

People will have learned a new behavior -- wearing masks -- before' unlearning it', and then having to re-learn it, this could prove challenging -- many people may have gotten used to life without masks.