What happens to the insurance policies when all of the workers are collecting UI?

The price of your workers comp is based on gross payroll. If your employees are not getting a paycheck from you then there is no charge for them for WC. If they employees are going to be laid off for a period of time you need to be in touch with your workers comp agent to be sure the  exposure basis is reduced. You do not want to damage your cash flow sending money to the insurance company when it will be returned at Audit.

In many cases your liability insurance is also based on either Payroll or Total Sales. If these are going to be affected by the current situation you want to be in touch with your agent to get the exposure basis reduced so that you are not sending money to the insurance company you do not have to.

You need to communicate with your insurance advisor.