When you decide to open a business in Indonesia you agree to take on the country risk of operating in Indonesia. When it is the Indonesia government making it impossible for guests to come, IMO that is 100% the operator's problem and they should cover the costs. They cannot legally host foreigners if foreigners are banned (for example as in Sorong) - as is the case for airlines. This is the bare minimum.
If Indonesia as a whole is open and it is the traveller's host country that is preventing travel, then perhaps there is more room for debate as to what flexibility should be offered. I am still of the view that a customer centric shop should allow reschedule, but perhaps you can argue they should try their insurance first since it is a problem unique to them and does not affect the dive shop as a whole.
On the other side of the spectrum, if travel is possible but the customer decides to voluntarily cancel for fear of the virus, then I would agree you have no obligation to deviate from your normal cancellation terms. The customer centric shops may still go above and beyond and have sympathy to allow a reschedule, but that would not be the expectation.
I wonder what your policy is if someone is feeling unwell or exhibiting symptoms- do you still ask them to come or do you offer a reschedule to avoid infecting the whole staff and other guests? I don't see this as any less important than approach to dive safety. Do you have enough hand sanitizer and cleaning supplies to truly serve guests in a safe manner?
If Indonesia as a whole is open and it is the traveller's host country that is preventing travel, then perhaps there is more room for debate as to what flexibility should be offered. I am still of the view that a customer centric shop should allow reschedule, but perhaps you can argue they should try their insurance first since it is a problem unique to them and does not affect the dive shop as a whole.
On the other side of the spectrum, if travel is possible but the customer decides to voluntarily cancel for fear of the virus, then I would agree you have no obligation to deviate from your normal cancellation terms. The customer centric shops may still go above and beyond and have sympathy to allow a reschedule, but that would not be the expectation.
I wonder what your policy is if someone is feeling unwell or exhibiting symptoms- do you still ask them to come or do you offer a reschedule to avoid infecting the whole staff and other guests? I don't see this as any less important than approach to dive safety. Do you have enough hand sanitizer and cleaning supplies to truly serve guests in a safe manner?