Coronavirus Employer Resources

With new information about the Coronavirus being released every day, we’ve decided the best way to keep you informed of important information impacting your organization and employees is to post updates on one web page instead of clogging up your inbox every time new information comes out. Feel free to check back here regularly for the latest and most important updates that we are hearing from insurance carriers and legislators. If you have any questions, we're here to help. Here is a list containing the direct contact information to our consultants and service teams.

P&C Insurance + Risk Management Updates

OSHA Guidance on COVID-19
Added March 28, 2020 - OSHA considers COVID-19 infections to be a recordable illness when a worker is infected on the job. This compliance bulletin provides OSHA's guidance on how employers can prepare for and deal with the Coronavirus in the workplace.

Business Interruption Coverage Questions

One of the most common questions we are hearing is, “do I have Business Interruption coverage if we are required to shut down?” As we interpret the coverage form we do not believe that coverage is provided for the "COVID-19 Income Loss.”  Our advice at this time would be to submit a claim to the carrier on your behalf and have the insurance company interpret coverage availability. More on COVID-19 and Business Interruption Insurance here [Coverage Insights]

Business Guidance Guide from the CDC
Interim guidance from the Center for Disease Control
for businesses and employers to plan and respond to COVID-19 [PDF]

COVID-19 Personal Guidance and Testing
Official web page from the Illinois Department of Public Health

Watch out for an Increase in Cyber Crime
Criminals prey on unfortunate circumstances, seeking to capitalize on victims during times of panic and hardship. Unfortunately, the coronavirus disease 2019 (COVID-19) pandemic is no exception. This News Brief warns about cyber scams related to the coronavirus.

Tip to Avoid Phone + Conference Line Call Drops
Phone lines and conference services are being used at levels never seen before and it's causing dropped calls and busy tones. If you plan to host a conference call schedule meetings to start 15 or 45 minutes past the hour rather than on the hour. Carrier networks are less congested at these times.

Employee Benefits/Health+Ancillary Insurance/Wellness Updates

Illinois Health and LTD + STD Insurance Carrier Coronavirus Resources, FAQs and Responses.

CARES Act Expands Health Coverage Rules
March 27, 2020 - The Coronavirus Aid, Relief, and Economic Security Act (CARES Act) was enacted to provide $2.2 trillion in federal funding to address the Coronavirus crisis. The new law also includes several provisions affecting health plan coverage. This Legal Update summarizes the CARES Act's coverage changes.

Health Plans to Cover COVID-19 Testing -
March 18, 2020 - Health plans must provide free Coronavirus (COVID-19) Testing. More info here [Legal Update]

Work From Home Resources
During this Coronavirus outbreak, some workers may be forced to work from home when they otherwise wouldn't. This article discusses why preventative measures like working remotely are so important during outbreaks and here's a flier that can be shared with employees that provides tips for successfully working from home.

Employee Well-Being
Employee well-being resources for COVID-19 [PDF].

10 Ways to Protect Against Coronavirus [PDF]

Human Resources + Payroll/HRIS Updates

Families First Coronavirus Response Act
March 27, 2020 - Under the Families First Coronavirus Response Act (FFCRA), covered employers must post a notice of the FFCRA requirements in a conspicuous place on its premises. This HR Compliance Bulletin includes frequently asked questions issued by the DOL on this notice requirement.

Most Common Human Resources COVID-19 Questions and Answers - Updated April 1, 2020

Required Families First Coronavirus Response Act Notice (for employers with less than 500 employees)
March 26, 2020 - Yesterday, the DOL issued the required poster under the Families First Coronavirus Response Act. In addition, the DOL issued questions and answers to help employers to comply. Both can be found in this link.

Controlling Payroll Costs with Employee Furloughs

In this uncertain business environment caused by COVID-19, employers are looking for ways to save money and possibly lower payroll costs. Employee furloughs may be an option.

IRS Issues Guidance on Tax Credits for Coronavirus Paid Leave
March 23, 2020 - Employers with fewer than 500 employees may begin using two new refundable payroll tax credits to obtain reimbursement for the costs of providing coronavirus-related leave to their employees, the U.S. Department of Labor (DOL) and Internal Revenue Service (IRS) announced on March 20, 2020. This document provides the guidance.

New Legislation: Paid Sick Leave/FMLA Leave Requirement Overview
March 18, 2020 - President Trump signed into law a Coronavirus relief bill requiring employers to provide paid leave for reasons related to COVID-19, among other provisions. This legal update summarizes the law.

Coronavirus Compliance Considerations
Coronavirus and the Workplace - Compliance Considerations for Employers [PDF].

Retirement Plans + Finance/Tax Updates

Key Provisions of the Cares Act
Information on the following provisions of the Cares Act: Retirement assistance, individual assistance, and small business assistance.

Payroll Protection Program for Small Businesses
The CARES Act – a $2.2 trillion stimulus package, includes some really meaningful support for small businesses. Probably most notable is the portion of the bill called the Payroll Protection Program, which is a loan program that will be administered by the SBA. Here are some helpful resources on the loan program:

- Emergency Loans Small Business Guide and Checklist [From the U.S. Chamber of Commerce].

- U.S. Small Business Fact Sheet on Economic Injury Disaster Loans [From the SBA]

Coronavirus Aid, Relief and Economic Security (CARES) Act FAQs - March 29, 2020
This article highlights some of the most salient relief measures.

Market Volatility Resources for Plan Sponsors + Participants
Market volatility resources
for plan sponsors and their retirement plan participants from our retirement plan services team. And here is an article from our retirement consultants on the investment markets performance and recent volatility (written March 10, 2020).

Additionally, here is a helpful video on "what to do when markets are volatile" and a financial insights resource page for retirement plan participants from T.Rowe Price.

Cares Act Student Loan Benefit May Help 401ks
Employers can now repay up to $5,250 annually, potentially freeing employees up to contribute-or contribute more-to a 401k.

Tax Deadline Updates
March 21, 2020 - The IRS officially moved the due date for 2019 tax return filings to July 15, 2020. This coincides with their earlier announcement of an extension of time to pay 2019 taxes. With these changes in place, no extension request of time to file your tax return is needed unless you need additional time after July 15, 2020 to file your taxes. More info here.


If you have any questions, we're here to help. Here is a list containing the direct contact information to our consultants and service teams.

This web page and resources within has been carefully compiled by the experienced insurance and Human Resources professionals at Connor & Gallagher OneSource (CGO). However, it is not a legal document and should not be construed as legal opinion. CGO will accept no liability for the use of these resources and opinions in the workplace. In the rapidly changing environment of the COVID-19 outbreak many of the opinions and resources are being impacted by continuously released guidance and therefore may be out of date. This is not an exhaustive list of all pertinent employer resources but we are doing our best to provide you with timely information as it is released.