A well known cycling writer posted a tweet saying that, paraphrasing, if you were injured riding your bike during a pandemic, your insurance would not cover the cost of your injuries. As you might imagine, this is pretty scary.
I checked with my insurer and they said that pandemics have no impact on my coverage. That is to say, if I were injured, the regular policy terms would apply. Ditto if injured riding whilst the stay-at-home order is in effect. But that is my insurer and my policy.
I would recommend checking in with your insurer just to be sure. I would also do it via the chat function on their website. That way you get the opinion in writing just in case they try and pull a fast one later.
I hope that all of us stay safe and healthy and upright! Not that there is ever a good time to crash, but this is a particularly bad time.