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A small business in Brooklyn is taking on Congress, lobbying for insurance coverage for future pandemics. While not an easy battle, the National Retail Federation says these conversations have to be had now in order to keep retailers open.Ann Cantrell, speaking in front of the US House Financial Services Committee, said, "The past few months have been the darkest of my life.”The owner of "Annie's Blue Ribbon General Store" in Brooklyn said it's time for real solutions."Insurance companies should not be in the practice of denying policy holders coverage when they need it the most. What happened to 'you're in good hands' or 'like a good neighbor,' Cantrell said.Speaking on behalf of the National Retail Federation, Cantrell pleaded her case, saying, "We are a community store and people look to us as a pillar of light and hope in the neighborhood. Kids meet their friends at the shop to pick out a gift for their teacher, parents bribe their kids with a treat if they get a shot at the doctor or reward them if they get a good report card."The pandemic, she said, nearly shut her business down. She said she pays ,000 a year for what she calls "all risk" insurance. She was under the impression there was no risk that wouldn't be covered.“When we (were) closed by the governor (New York’s Andrew Cuomo), literally the government shut us down,” Cantrell said. “I put in another call, each time saying that viruses were not covered under business interruption insurance.”The National Retail Federation said Cantrell is a voice for retailers everywhere. And while it was able to get a hearing, the organization says many insurance companies aren't on board.“What they’re saying is this will not be isolated to one area, this seems to be unending and keeps going on and on and on so they’re afraid it’ll cost trillions of dollars,” said Leon Buck, the National Retail Federation’s vice president of banking and financial services. “But what we’re saying is we don’t think so. We think if we’re paying into the fund and the federal government has money, the insurance companies will be fine."“If we were in a COVID-21, for instance, if this happened again, maybe another virus, the business would be protected,” Buck added. “They’d file a claim with their insurance carrier whom they pay monthly premiums to and the federal government would help pick up the tab.”As for Cantrell, who has loved general stores since she was a kid, this is about speaking up because someone has to.“It's not just small companies like mine, it’s big companies. No one is covered under business interruption insurance,” Cantrell said.Luckily, she said she built a good website and the holidays and her Paycheck Protection Program loan will carry her through. She hopes the next Congress will take up the issue. In the meantime, she reminds everyone to shop small. 2855

A new lawmaker in Delaware is making headlines for becoming the first openly transgender person ever elected to a state Senate.Sarah McBride is projected to win Delaware’s First Senate District, which includes parts of Wilmington. 238

A potentially catastrophic Category 4 Hurricane Michael has made landfall as the strongest hurricane to hit the Florida Panhandle in recorded history, with its winds and storm surge wreaking havoc along the shore.Michael's extremely dangerous center crossed near Florida's Mexico Beach on Wednesday afternoon with sustained winds of 155 mph, the National Hurricane Center said.Photos: Hurricane Michael to slam US coastEarlier, Gov. Rick Scott called Michael "the worst storm that our Florida Panhandle has seen in a century."Streets were flooding in the Panhandle city of Apalachicola. In Panama City Beach, winds of about 100 mph furiously whipped the trees in the early afternoon as siding ripped from a building got caught against a fence.Earlier in that oceanside city, video from a meteorologist showed new construction collapsing in high winds.Among the concerns: Flash-flooding with heavy rain; life-threatening storm surges up to 14 feet high; and devastating winds, not just in the Panhandle, but southern Alabama and Georgia. 1044

A police officer in Prince George's County, Maryland, was charged this week with raping a woman during a traffic stop. He's pleaded not guilty, but it's a disturbing headline — even more disturbing when you consider there are hundreds more like him.Yes, hundreds. According to research from Bowling Green State University, police officers in the US were charged with forcible rape 405 times between 2005 and 2013. That's an average of 45 a year. Forcible fondling was more common, with 636 instances. 508

A student who was severely injured in last week's mass shooting at Marjory Stoneman Douglas High School remains hospitalized after suffering multiple gunshot wounds.FULL COVERAGE: Parkland school shootingBroward County Sheriff Scott Israel posted a photo Sunday of him visiting 15-year-old Anthony Borges.The sheriff's office tweeted a photo and message that said Anthony was shot five times and will need more surgeries while he recovers.The 19-year-old suspected gunman, Nikolas Cruz, faces 17 counts of premeditated murder.  As of Saturday morning, five victims remain hospitalized from the shooting.  The Sheriff was honored to visit Anthony Borges,15, in the hospital. Anthony was shot five times. Fortunately, he is recovering, but has a long road ahead with more surgeries needed. Please join us in praying for the swift recovery of Anthony and all others from #StonemanDouglas. pic.twitter.com/U0PVkEwpFZ— Broward Sheriff (@browardsheriff) February 18, 2018 1018