COVID-19: Steps We’re Taking

The situation regarding coronavirus (C0VID-19) continues to evolve, and we want to share with you the most recent actions we are taking to protect the well-being of the INSURICA community: our clients, colleagues, and carriers.

INSURICA has initiated our business continuity plan and we encourage our customers to do the same. In addition to the standard planning, we are also being guided by the recommendations of the Centers for Disease Control (CDC) and local health officials.

  • Business operations continue – Based on guidance we’ve received and increased measures we’ve taken to keep our office and grounds clean and safe, we are operating in our offices as well as remotely with full functionality.

  • We are implementing preemptive social distancing measures, which means INSURICA colleagues who are equipped and able to work from home are asked to do so. This will make our offices safer for those who are not able to work from home, as there will be fewer people on site.

  • We are encouraging all client meetings be conducted remotely via telephone or remote meeting technology. Your INSURICA team is prepared to provide all applicable materials in advance to ensure your meeting meets service expectations.

  • INSURICA leadership communicates regularly with our local offices during this time of continual change to update our plans, as needed.

People and Partnerships Are What’s Important

We know you have similar concerns for your staff, customers and families. We wish you the best as you navigate through this challenging situation. We stand ready to assist in any way possible.

As part of our commitment to you, we are posting resources on this page that are relevant to both our business and personal insurance clients. As new or updated information becomes available, we will update the this page. We encourage you to check back frequently and follow INSURICA on our social channels. You may also want to sign up to receive information from our blog.

Thank you for the patience and trust you place in us. We are closely monitoring this situation as it develops, and our response evolves as the situation changes. Be assured that we are staying on top of the information and recommendations from federal agencies and health organizations, and we will keep you informed of our actions. 


Your INSURICA team

Coronavirus Resources for Businesses

CDC Coronavirus Guide

Interim Guidance for Businesses and Employers to Plan and Respond to COVID-19: View The Guide

Coronavirus and the Workplace

Compliance issues for Employers: View Compliance Bulletin

New Coronavirus Relief Laws Require Paid Employee Leave

Employers should familiarize themselves with the new leave requirements to ensure compliance: Learn About New Laws 

Business Interruption Policies and Coronavirus

This article highlights characteristics and types of businesses interruption insurance, examining how they may or may not respond to the outbreak: Learn More About Business Interruption

FMCSA offers HOS Relief In Emergency COVID-19 Response

This emergency declaration is in response to Coronavirus Disease 2019 (COVID-19) outbreaks, and its effects on people, and the immediate risk to public health, safety and welfare: Read Emergency Declaration

Coronavirus Emergency Loans | Guide and Checklist for Small Businesses and Nonprofits

The Coronavirus Aid, Relief, and Economic Security (CARES) Act allocated $350 billion to help small businesses and nonprofits keep workers employed amid the pandemic and economic downturn. Known as the Paycheck Protection Program, the initiative provides 100% federally guaranteed loans to eligible organizations. Importantly, these loans may be forgiven if borrowers maintain their payrolls during the crisis or restore their payrolls afterward. The administration soon will release more details including the list of lenders offering loans under the program. In the meantime, the U.S. Chamber of Commerce has issued a guide to help organizations understand what to expect and prepare to file for a loan: View Emergency Loan Guide

Big I Supports New Federal Proposal to Provide Additional Assistance

Earlier this week, the Independent Insurance Agents & Brokers of America (Big I) joined a range of business trade associations in urging the administration and leaders of both congressional parties to support a new federal proposal to further assist with the nation’s economic recovery.

The proposed COVID-19 Business and Employee Continuity Recovery Fund would be a streamlined version of the 9/11 Victims Compensation Fund legislation, with important distinctions designed to simplify the application process and speed payment to COVID-19-impaired businesses, while reducing the potential for fraud. You can read a summary of the proposed Recovery Fund here.

Employer Update: Summary of Families First Coronavirus Response Act and the Coronavirus Aid, Relief, and Economic Security Act.

In the face of large-scale economic damages resulting from the COVID-19 pandemic, President Trump signed two relief
packages into law in March of 2020: the Families First Coronavirus Response Act (FFCRA) and the Coronavirus Aid, Relief,
and Economic Security Act (CARES Act). These comprehensive legislative relief packages are designed to help stabilize fragile
national, regional, and local industries by providing economic relief and emergency leave to individuals, and loans and tax relief
to businesses of every size to help them retain their workforce and continue operations during these uncertain times. They also
include options employers may want to consider, from payroll tax deferral to write-offs for paying down employee student debt.
The options listed in this document may be able to help alleviate some of the potential losses caused by the COVID-19 pandemic. View Document.

Workers’ Compensation and COVID-19

As COVID-19 becomes increasingly widespread, it’s not only raising fears about the well-being of the general public, but it’s also calling into question how insurance policies—like workers’ compensation coverage—will or won’t respond. This Work Comp Insights provides a general overview of insurance considerations as they relate to COVID-19. View Work Comp Insights.

Coronavirus Small Business Guidance Loan Resources

To help small business owners and entrepreneurs better understand the new programs that will soon be available to them, the U.S. Senate Committee on Small Business & Entrepreneurship has created a comprehensive guide to many of the small business provisions in the CARES Act that was passed by Congress on March 27th. These programs and initiatives are intended to assist business owners with whatever needs they have right now. Learn more by visiting

You can also directly download the SBA Guide to the CARES Act here: SBA Guide.

Reopening A Business After The Coronavirus Shutdown

As the COVID-19 pandemic continues to have an unprecedented effect on daily life, many business owners are looking forward to the future and a return to normalcy. When stay-at-home orders are lifted and nonessential businesses are allowed to resume operations, there’s a lot for organizations to consider before they reopen their doors. What’s more, many of these considerations are workplace-specific and could be more involved depending on the industry you operate in. To protect their customers and employees alike, it’s important for organizations to do their due diligence before opening their business back up to the public following the COVID-19 pandemic. Read On To Lear More.

Benefits and Marketplace Trends Through the Lens of COVID-19

This article will examine how drastically things have shifted during the coronavirus pandemic and what shake-ups to expect in the future. Read Full Article

Return To Work Plans Following The COVID-19 Pandemic

Echoing the sentiments of public health officials, a return to normalcy won’t be like flipping a switch, but rather a gradual effort. In preparation for reopening your business and asking employees to come back to work, it’s imperative that your company thoughtfully constructs a return to work plan for its employees to keep everyone healthy and safe following the COVID-19 pandemic. Read Full Article

directors and officers D&O Insurance


The Occupational Safety and Health Administration (OSHA) has issued another enforcement memo on how employers must go about determining whether an employee who is diagnosed with COVID-19 contracted the disease at work or elsewhere. Read Update


According to the Centers for Disease Control and Prevention (CDC), wearing facial coverings and masks can help prevent the spread of COVID-19. There are many questions about the differences between masks and face coverings, and which are appropriate for employers. Learn More

Coronavirus Resources for Individuals

Disinfecting Your Home If Someone Is Sick

As part of your everyday prevention actions clean and disinfect frequently touched surfaces and objects. For example: tables, countertops, light switches, doorknobs, and cabinet handles: Read Cleaning Tips

Caring For Someone At Home

If you are caring for someone at home, monitor for emergency signs, prevent the spread of germs, treat symptoms, and carefully consider when to end home isolation: Read Full Article

10 Ways To Protect Against Coronavirus

The coronavirus pandemic isn’t slowing down. Here are 10 ways you can protect yourself: View Infographic

Overcoming Loneliness During The Coronavirus Pandemic

As public health officials work to slow the spread of coronavirus disease 2019 (COVID-19), many have recommended social distancing and self-quarantining. Some states across the country have issued orders for people to stay at home unless it’s essential they leave, and some employers have had to send employees home or ask them to work remotely. While these actions can help slow the spread, they can have negative effects on your mental health: Read More

10 Ways To Manage Coronavirus Symptoms From Home

If you’re experiencing mild coronavirus symptoms, be sure to call your doctor. It’s possible that your doctor will advise you to manage your symptoms from home. Here are 10 ways that you can do so: View Tips

*Please be advised that any and all information, comments, analysis, and/or recommendations provided relative to the possible impact of COVID-19 on potential insurance coverage or other policy implications are intended solely for informational purposes and should not be relied upon as legal advice. As an insurance broker, we have no authority to make coverage decisions as that ability rests solely with the issuing carrier. Therefore, all claims should be submitted to the carrier for evaluation. The positions expressed herein are opinions only and are not to be construed as any form of guarantee or warranty. Finally, given the extremely dynamic and rapidly evolving COVID-19 situation, comments above do not take into account any applicable pending or future legislation introduced with the intent to override, alter or amend current policy language.

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