Well to answer your questions I think we need to make some assumptions. Of course these would be reflective of my viewpoint, but to make any headway in the discussion we need some more footing.
1. The rules put in place are not ethically authoritative. Since the government may or may not be just then disobeying it cannot be unjust
as a rule.
2. The basis for defining whether something is ethical or not would be in reference to any risk incurred by the employees. We could decide on using some sort of deontological system, but legislative decisions seem to be more consequentialist, plus consequentialist arguments seem to make more sense to the masses and thus using said system in our discussion will make our discussion the most informative and discernible. I will bring up some deontological points later if requested, but for now I'll just stick with a consequential view.
3. The business must have either considered or neglected to considered whether to act a certain way is moral. Since it is comprised of human beings who are at least potentially rational this is really a given but I feel it should be mentioned, since anything not capable of ethical consideration can't be held to a moral standard.
4. Like many people in this situation we don't
know how great the risk is of contraction, all we know is that no one currently working
shows symptoms of being ill/infected.
5. Employees can't leave without incurring some significant personal risk. Since it is hard to get employment at least in the current environment, becoming unemployed would mean a loss of income and a threat to someone's livelihood since they would not be able to meet personal expenses. It could be argued that this is not realistic since people could "tighten their belts" so to speak, but having to move out of wherever one currently lives would incur a yet higher risk of transmission so we shall regard losing one's current living situation as a non-option.
Since we don't know that everyone in the facility is healthy, we can't rightfully assume that there is no risk, so to make employees work in high-transmission conditions would be to force them to incur some risk, which would make it unethical. This fact derives from the arbitrariness of having to work on-location, since the initial discussion assumes that the job could be done at home. The risk here is different from any other risk assumption expected of employees since in professions of high risk employers must try to offset the risks of the job not only with pay, but also with safety measures. Since the risk here is strictly human contact, that itself is forcing employees to assume a risk which for assumption 5 they are not able to avoid.
Of course, the objection could be made that since are rational beings they should make the decision of whether to work for a company making them assume such risks at all, but this consideration becomes moot on consideration of assumption 5.
Just as a note:
If you want to say "It saves lives, or has a better chance to save lives", that's a good value, and has nothing to do with ethics, does it now. — god must be atheist
To say that it is good is to make an ethical judgement and thereby to do ethics. The very act of deciding if something is good or bad is an ethical judgement.
Further, to say that there is no ethical knowledge as you are asserting implicitly by saying that all ethics is merely opinion is in itself an ethical assertion. If you say there is no ethical knowledge and that assertion is ethical knowledge then that statement is self contradictory and it must be false.