COVID-19 Resources

Coronavirus/covid-19

Lakeside Insurance continues to closely monitor the situation of the COVID-19. Our goal is to provide you with the most accurate up-to-date information as possible.

"IS THERE ANY COVERAGE FOR BUSINESS INCOME IF WE HAVE TO SHUT DOWN?
The short answer is no, there is no business income coverage. Before business income responds, there must be damage to property leading to the cessation of a business. This requirement applies to business income-dependent property losses (supply chain) and civil authority losses covered by business income policies. Additionally, there is a specific property exclusion applicable to viruses that may (generally will) apply. This is true of “standard" business income forms; there may be some proprietary forms that respond, but these are rare.

If you have specific questions about your policy, please give us a call and your LIRA365 team will be happy to assist you.

Download the LIRA365® presentation

Coronavirus and the Workplace – Compliance Issues for Employers

As the number of reported cases of the novel coronavirus (COVID-19) continues to rise, employers are increasingly confronted with the possibility of an outbreak in the workplace.

Employers are obligated to maintain a safe and healthy work environment for their employees but are also subject to a number of legal requirements protecting workers. For example, employers must comply with the Occupational Safety and Health Act (OSH Act), Americans with Disabilities Act (ADA) and Family and Medical Leave Act (FMLA) in their approach to dealing with COVID-19.

This Compliance Bulletin provides a summary of the compliance issues facing employers in this type of situation.

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OSHA-Guidance on Preparing Workplaces

This guidance is not a standard or regulation, and it creates no new legal obligations. It contains recommendations as well as descriptions of mandatory safety and health standards. The recommendations are advisory in nature, informational in content, and are intended to assist employers in providing a safe and healthful workplace.

The Occupational Safety and Health Act requires employers to comply with safety and health standards and regulations promulgated by OSHA or by a state with an OSHA-approved state plan. In addition, the Act’s General Duty Clause, Section 5(a)(1), requires employers to provide their employees with a workplace free from recognized hazards likely to cause death or serious physical harm.

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CDC Guidance for Businesses and Employers to Plan and Respond

This interim guidance is based on what is currently known about the coronavirus disease 2019 (COVID-19). The Centers for Disease Control and Prevention (CDC) will update this interim guidance as needed and as additional information becomes available.

CDC is working across the Department of Health and Human Services and across the U.S. government in the public health response to COVID-19.

Read Guidance

Coronavirus/covid-19

Coronavirus and the Workplace – Compliance Issues for Employers

OSHA-Guidance on Preparing Workplaces

CDC Guidance for Businesses and Employers to Plan and Respond

SAMPLE COMMUNICATION TO YOUR EMPLOYEES

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