Below are links to information that may help you sort out your situation. There are myriad variables to the many equations involved in each business and individual situation. This will not be simple and there may be apparent layers and overlaps where one method of relief will supercede another.
Use these links to jump down the page to each topic:
Additional COVID-19 Resources, including return to work advice
NY State Information:
- Do you qualify for DBL/PFL Benefits under NY's Emergency COVID-19 Paid Sick Leave? click here to download PDF flowchart
- Infographic illustrating the timeline of benefits (NY vs. Federal) for small employers and blog post about the infographic.
- New York State Updates and Policies for Coronoavirus
- NY Paid Sick Leave Program
- All NY State Executive Orders and list of Essential Businesses
- Request for Designation as an Essential Business — If you aren't on the list but believe you qualify to apply to remain open
- Unemployment insurance is a state benefit, not actual insurance. Here's how to file a claim, along with information on how the Care Act effects individuals who were actively receiving benefits prior to its enactment on 3/27/20.
- Record of Employment NYS Dept of Labor form
- How to get an "Order for Quarantine"
- NY Emergency COVID-19 Paid Sick Leave due to Isolation or Quarantine
- Paid Leave Information from the U.S. Department of Labor
- Resources from the U.S. Department of Labor regarding workplace safety, wages, leave, unemployment and more.
- Another U.S. Department of Labor COVID-19 page.
- Families First Coronavirus Response Act
- Families First Coronavirus Response Act Q&A
- Families First Coronavirus Response Act Info from ShelterPoint
- IRS implementation of Paid Leave
- Disability Claims for off-the-job employee illness https://www.burnsagency.com/make-claim#Disability
- Family Leave for specific care-giving needs
- Workers Comp for job-related illness or injury
- Disablity and Paid Family Leave COVID-19 FAQs
NY Emergency COVID-19 Paid Sick Leave (under Disability or Paid Family Leave)
Special cover page for COVID-related Paid Family Leave claims:
- Application for COVID-19 Quarantine PFL/DB for Self (PDF)
- Application for COVID-19 Quarantine PFL for Child (PDF)
- Insurance Department (now Department of Financial Services) Consumer Info
See the Additional Resources section, below, for assistance options.
Business Interruption coverage is designed to pay for the loss of business income, and extra expenses incurred to minimize such loss of income, when the business suffers property damage covered by their policy. Because Coronavirus causes no physical damage to your property – no covered property loss – the loss of income coverage would not be triggered. This coverage was conceived, designed, rated by the companies, and approved by state insurance departments, as an add-on enhancement to assist businesses in recovering from property claims. In short, your policy wasn't meant to cover this kind of income loss and you haven't been paying for coverage for this kind of income loss.
That said, you should submit a claim for review and formal coverage determination from your company. It is possible that there are loopholes that will allow some coverage and it is possible that the government will mandate a change even though the government previously approved the policy forms as is and premium hasn't been collected for expanded coverage. Sometimes insurance companies make nominal voluntary payments toward otherwise uncovered claims. Sometimes claim denials are required before lenders or relief organizations can approve other forms of assistance for you. Therefore, gather all appropriate business records to be able to prove your loss of income and do what you can to minimize your loss. If and when you decide to submit a claim, please provide all of those details to us. (call or email to ask for a secure email link so you can submit your claim documentation via encrypted email)
We find that some recent stories on Google further explain the coverage fairly well (for as long as these links remain unbroken):
Coverage Opinions by attorneys Randy Maniloff and Randy DeLopst
• https://www.coverageopinions.info/COVID19ISSUE/CurrentIssue.html includes links to mulitple articles
We recognize that many companies and individuals will alter their underwriting risk in an effort to minimize their income loss. Please check with your agent or company about anything new, such as manufacturing or selling different products; using your home or vehicle for business purposes; any change from what the situation was when your insurance policies were first written. The last thing you need when trying to maintain your income is an uncovered loss that causes further lost income. Talk to your agent so they can work to help you obtain appropriate coverage.
Quite a few personal auto insurers are temporarily removing the food delivery exclusion when employees deliver (only) for their restaurant employers due to closures - ask us for the parameters of your insurance company's exclusion suspension.
Don't let your preparations to fight Coronavirus contribute to a Cyber-Liability Loss. Be careful with those remote-working setups. See this article from Insurance Journal. Cyber Liability is rarely available in standard business policies. Contact us for more information and/or a quote for this coverage.
Many tech providers are offering free and reduced-cost tools to facilitate and/or protect remote working. It's worth a look. Ask us and we'll run a quick search to match your needs.
Is your building now vacant due to work-from-home orders? Follow these suggestions to protect your property.
Breaking news - NY State Executive Order 202.13 includes the following language:
•Section 1116 and Articles 34, 53, 54, and 55 of the Insurance Law and Sections 54 and 226 of the Workers’ Compensation Law are modified to impose a moratorium on an insurer cancelling, non-renewing, or conditionally renewing any insurance policy issued to an individual or small business, or, in the case of a group insurance policy, insuring certificate holders that are individuals or small businesses, for a period of 60 days, for any policyholder, or in the case of a group insurance policy, group policyholder or certificate holder, facing financial hardship as a result of the COVID-19 pandemic. The foregoing relief shall also apply to the kinds of insurance set forth in paragraphs (16), (17), (20), (21), (24), (26), and (30) of Section 1113(a) of the Insurance Law. For purposes of this Executive Order, a small business shall mean any business that is resident in this State, is independently owned and operated, and employs one hundred or fewer individuals; For the full executive order.
This means that (until
April 28, 2020 extended to June 6, 2020) if, due to COVID-19-related issues, you cannot make your premium payment that is due, you will have a 60-day grace period after the otherwise-applicable date of cancellation. It is important to note that the premium will still be due in the future, this is a deferment available to you, should you need it, not a period of free coverage. Depending upon future circumstances, a future executive order may be issued to amend or extend this order.
Many companies had already communicated a willingness to reduce payroll and sales exposures (mid-term versus waiting until audit) on the types of policies where rates are based upon such figures.
Many had also indicated that they will work with individuals and businesses if they find it difficult to pay their insurance premiums in the next month or so.
Companies have or will soon prepare descriptions of coverage benefits/exclusions for various COVID-19 scenarios to share with business insurance policyholders the way their policy does and does not respond.
We will make an effort to update our website to include links to pertinent information, let us know of any you think we should add.
Our payroll company, HR One, has an excellent resource center
The Centers for Disease Control and Prevention (CDC) has created a website
This insurance would have helped, but nobody bought it
How to turn in your license plates while the DMV is closed
• The DMV site also includes alerts regarding license and registration expirations and extensions
US Chamber of Commerce Emergency Loans Small Business Guide
Save Small Business Fund - initiative of US Chamber of Commerce Foundation
Small Business Administration's Economic Injury Disaster Loan Application
Feed our Frontline Families Donations to support local restaurants and frontline workers
Guide to the CARES Act - published by the US Senate Committee on Small Business & Entrepreneurship
Business Reopening Safety Plan Template must be completed and retained on premises. Additional links within.
Statewide Guidelines - incl: Beaches, Religious & Funeral Services, Racing, Dentistry
We hope you and your loved ones,
co-workers, and employees
are able to stay well
throughout this event.
Don't overpay for your insurance! We'll work closely with you to ensure you are getting the coverage you want at the best price.
Insurance Tips, Glossary of Terms, News, and Helpful Links.
Going to Canada?
Ask us for a Canadian ID card. "A U.S. traveler in Canada is required to carry a motor vehicle liability card, plus vehicle ownership papers. A copy of the automobile policy is recommended to be carried. And a Canadian Non-Resident Inter-provincial Motor Vehicle Liability Card is strongly recommended. U.S. travelers who do not carry a Canadian Non-Resident Inter-provincial Motor Vehicle Liability Card and are stopped by Canadian police or are in an accident while driving in Canada risk being fined or having their vehicle impounded until proof of proper coverage is obtained."