Coronavirus And The Workplace

Relevant information related to COVID-19 and the Workplace

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Updated March 25, 2020

The spread of the Coronavirus (also referred to as COVID-19) is worrisome for employers and employees alike. It is challenging for employees to put this all into perspective, especially during a time when they are still working (perhaps remotely) and trying to keep their loved ones and families safe. It is important to us that we support employers and their work families during this unprecedent time by circulating clear and accurate information in an effort to help dissolve fears and promote an empathetic work culture.

This page offers many tools and resources to assist you within your organizations. We will continue to post relevant information related to COVID-19 and the Workplace when it becomes available.

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COVID-19 And The Workplace Checklist

Prepare your business so that your employees and their families are safe. We’ve outlined a few strategies for you to consider in our COVID-19 and Your Workplace checklist.

Tools & Resources

HR Compliance

Resources, guidelines and templates for Human Resources.

Carrier Guidelines

Specific actions the health insurance carriers are taking.

OSHA

Safety guidelines and health in the workplace.

CDC

Facts and info from the Centers For Disease Control and Prevention.

HR Compliance

Families First Coronavirus Response Act

Signed March 18, 2020 - This Act requires paid leave benefits related to the coronavirus outbreak.

FLSA Guidelines

Q&A from the Department of Labor addressing FLSA and more.

HIPAA Privacy & Coronavirus

Stay compliant with HIPAA.

FMLA Guidelines

COVID-19 or Other Public Health Emergencies.

Employee Letter Template

Use this template to effectively communicate about coronavirus to your employees.

Michigan Unemployment

Learn how to apply for unemployment benefits during coronavirus crisis.

Workshare Program

You may be struggling to make payroll and you may be thinking about laying off employees. The good news is, with Work Share, you may not have to.

Employment Law Firms

* This content is reposted with permission from Warner Norcross + Judd LLP. This information is not intended as legal advice. For additional information, you may contact Jonathan Kok, Partner at Warner Norcross + Judd: jkok@wnj.com

DOL Guidance

Guidance on the new Families First Coronavirus Response Act directly from the Department of Labor.

Carrier Guidelines

Select your insurance carrier below to learn what specific actions they are taking.

OSHA

Preparing Your Workplace

Guidance for preparing your workplace by OSHA.

Safety and Health Topics

Information for employees and employers from OSHA.

CDC Facts & Information

Coronavirus and You

Basic facts directly from the CDC that you can share.

CDC COVID-19 Website

Learn valuable information directly from the Center for Disease Control.

Interim Guidance Plan

Info from the CDC about how you can plan and respond to COVID-19.

Updates from the CDC

Stay abreast of all of the official update from the CDC here.

Frequently Asked Questions

Will Business Interruption Insurance Provide Coverage for Coronavirus Losses?

What is Business Interuption Insurance? This coverage is designed to protect a business in the event of an interruption in operations caused by a physical damage that results in financial loss. Business income requires a covered cause of loss that results in direct physical damage to the covered property. Without a direct physical loss, business interruption coverage will not be triggered. In addition, many policies exclude Loss Due To Virus or Bacteria.

We believe insurance companies will deny claims for loss of income caused by the financial impacts COVID-19 has on businesses based on the lack of covered physical damage and also the virus exclusion. Historically, an event like COVID-19 has not been considered physical damage by insurance companies or the courts. Regardless, if you think your business has suffered financial loss due to COVID -19, we want to turn in the claim on your behalf. We want the insurance company to make the decision. Our belief is they will deny the claim; however, we want to be on record of having made a claim should the courts later decide there is coverage.

Submit Your Claim

What About Workers' Compensation?

For exposure to coronavirus to be compensable, the exposure must both arise out of the workers’ employment AND be in the course and scope of their employment when the exposure took place.  An example that meets these criteria is a healthcare worker that is exposed to the coronavirus by one of their patients that is carrying the virus.

Will My General Liability Cover Me?

General liability claims will need a thorough case-by-case review. Some carriers exclude coverage for communicable disease.

Is There Increased Cyber Security Risk With A Remote Workforce?

With so much of the workforce working remotely, we have seen an increase in cyber criminals using COVID-19 in phishing emails. It’s especially important to remind staff members to use reliable sources of information when interacting online.

This insurance summary of COVID-19 is intended for informational purposes only.  All coverage decisions require an analysis of the claim’s unique facts against the specific terms of the policy and must be looked at on a case-by-case basis.

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