Businesses in Dumfries and Galloway fear they face ruin as a result of the coronavirus crisis.The hospitality industry is dealing with crippling uncertainty following the UK Government’s announcement that the public should avoid socialising in bars, theatres and resturants.Those in the trade say the advice, which stops short of an outright ban, has left them in limbo.And news from insurers, who say the majority of traders will not be covered for the loss of business has added to their misery.Advice from Westminster falls short of a shutdown order, which would allow retailers to claim on business insurance policies designed to protect their income.Lockerbie hotelier Stephen Montgomery, vice-president of the Scottish Licensed Trade