IIAW's COVID-19 Resource Center
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IIAW's Coronavirus Resource Center
 
IIAW's COVID-19 Resource Center
Last Updated: October 19, 2020

The IIAW is committed to providing resources to help member and non-member agencies respond to customers, manage their internal operations and stay educated. We will continue to monitor the rapidly changing situation related to the spread of COVID-19 and provide updates accordingly.

To stay up to date with the latest information, please be sure to check your spam filter for IIAW emails and alerts. If you do not subscribe to IIAW publications, please CLICK HERE to subscribe by entering your email.

"Coming together is a beginning, Staying together is progress, and Working together is success" -Henry Ford

Text Alerts from IIAW


Click the image above to Access IIABA's Coronavirus Resource Page


DoWNLOAD GUIDE TO REOPENING YOUR Agency
Member Login Required, Contact evan@iiaw.com if you have any questions. 

LATEST NEWS, ARTICLES & INFORMATION
(The latest news, articles and important information will be posted here and then the following day moved to the appropriate section below)

  Applications Open Today Through Nov. 2 for Second Round of We're All In Grants for Small Businesses

- Click Here to Download the We're All In Grant Eligibility Flyer for Clients

  Gov. Evers Releases Statement on Denial of Temporary Injunction (October 19, 2020)

  Gov. Tony Evers' Order Limiting Gatherings, Bar Capacity is Back In Place After Judge's Ruling (October 19. 2020)

LRB Survey of Local Government COVID-10 Orders and Penalties

 Wisconsin Judge Blocks Order From Gov. Tony Evers Limiting Bar and Restaurant Capacity as Virus Surges (October 14, 2020)

Tavern League Sues Gov. Evers Over Order Restricting Capacity to 25% (October 13, 2020)

 Bulletin, October 13, 2020, Telemedicine Coverage Request Related to COVID-19

 SBA Easing Forgiveness of Paycheck Protection Program Loans of $50,000 or Less (October 10, 2020)

  DOR We're All In Small Business Grants - Phase 2

  Gov. Evers Issues Emergency Order to Limit Public Gatherings to 25% Capacity Effective October 8th (Milwaukee Journal Sentinel)
-Click to View Executive Order #3: Limiting Public Gatherings
-Click Here to View Frequently Asked Questions Regarding Executive Order #3


This section includes a variety of tools and resources for your agency to implement and use as you begin to reopen your agency. Between internal communications, working remote policies, notices and guides, you can find everything you need here.                          

Insurance Related Legislation (Including Worker's Compensation) & Executive Orders

DHS to Release Business Names On Friday with Two-Plus COVID-19 Positives (October 1, 2020)

UPDATE (5:40pm 10/1/20): Waukesha County judge issues temporary restraining order preventing the release of businesses with COVID-19 positive employees.Click to read judges decision.

Update:WKOW: Judge blocks Gov. Evers from naming businesses with positive COVID-19 cases (10/1/2020)
-DHS has advised that this will only apply to businesses with more than 25 employees.

Governor Evers Issues New Public Health Emergency Due to Campus Outbreaks, Issues New Face Coverings Order (September 22, 2020)

  • Read the Emergency Order Here that Requires Facemasks until November 21
  • Continuing until November 21, 2020, agents are strongly encouraged to post signs, such as the one below, on all entrances to their business in order to notify clients and visitors that they must wear a mask to enter. The sign should tell the visitor to wear a mask and reference the emergency order issued by Governor Evers.

           Agency Sign Must Wear a Mask                                  Evers Mask Mandate

             Download Flyer Here                       Download Flyer Here

 

Wisconsin
Several States Pass Laws Regarding COVID-19 Liability Immunity (July 29, 2020)

Worker's Compensation
This bill provides that, for the purposes of worker's compensation, an injury caused to a "first responder", during any public health emergency declared by the governor on March 12, 2020, by executive order 72 and ending 30 days after the termination of the order, is presumed to be caused by the individual's employment. The presumption requires a diagnosis or positive test for COVID-19, the employee must have been exposed to persons with confirmed cases of COVID-19 in the course of employment, and the presumption may be rebutted by specific evidence that the injury was caused outside of employment.

Tax Conformity for Small Business Loans
This proposal also will conform state law to federal law regarding the treatment of paycheck protection loans to business and employees under the small business administration's loan guarantee program for the period of time from February 15, 2020 through June 30, 2020. A ortion of the loans may be forgiven on a tax-free basis under certain conditions.

Civil Immunity
There is also civil immunity from liability throughout for healthcare workers, nursing homes, assisted living facilities, charitable organizations and manufacturers that provide supplies and medical equipment for COVID-19.

 

This section includes a summary of what Wisconsin and the surrounding states are doing in terms of Worker's Compensation legislation and executive orders due to COVID-19. Some states are expanding worker's compensation coverage.

SBA - The Paycheck Protection Program & Disaster Loans

 

Paycheck Protection Program Loan Forgiveness Application

Paycheck Protection Program FAQ on PPP Loan Forgiveness (August 11, 2020)


Information from the U.S. Dept. of Treasury on The Paycheck Protection Program

SBA Unveils New, 'Borrower-Friendly' Forgiveness Application for PPP Loan Recipients (June 17, 2020) ( View Updated Loan Forgiveness Application Form)


The Paycheck Protection Program is specifically designed to help small businesses keep their workforce employed. Visit SBA.gov/Coronavirus for more information on the Paycheck Protection Program.

 3 CARES Act Options for Economic Relief
(Click to Download)
    The Paycheck Protection Program
(Click to Download)
        Economic Injury Disaster Loans (EIDL)
(Click to Download)
5 Things Your Business Should Do      Payment Protection Program
        EIDL


CARES ACT- SBA Financing (Loans/Grants
)
IIABA and IIAW's Banking Partner Insurbanc, is recognized as a Preferred Lender by the U.S. Small Business Administration, the highest bank designation, awarded to top-tier lenders.

InsurBanc is prepared to work with eligible insurance agencies to obtain the emergency financing offered through the Paycheck Protection Program. This program is designed to help cover your short term operating expenses so you can remain open and keep our local economies and the insurance industry thriving.

To get started, visit  www.insurbanc.com/sba and click “Get Started”. One of InsurBanc’s commercial loan officers will reach out to you as soon as the SBA announces the application and processing procedures.

Insurance agencies interested in obtaining emergency financing offered through the Paycheck Protection Program may also click HERE to search for the nearest, local SBA approved financial institution.  Additional Information under the CARES ACT Information Tab below. 

SBA and Treasury Release Paycheck Protection Program Loan Forgiveness Application (May 15, 2020)

Information on Applying for Small Business Disaster Loans

The Paycheck Protection Program is specifically designed to help small businesses keep their workforce employed. The Disaster Loans (economic injury disaster loans) are designed to provide owrking capital to small businesses suffering substantial economic injury as a result of COVID-19. Learn more about these financial resources in the section above.

Coronavirus Aid, Relief, and Economic Security (CARES) Act Information
After some last minute hiccups which caused a slight delay, the U.S. Senate unanimously passed the Coronavirus Aid, Relief, and Economic Security (CARES) Act by a vote of 96-0.  The House of Representatives passed the legislation unanimously on a voice vote on March 27, 2020. The President signed it into law on the 27th. 

The $2 Trillion relief package is the largest of its kind in American history.  Download the memo below outlining its impact on Big “I” members and clients. More details will be made available as the legislation is implemented by Federal and State authorities.

This information is important to review so that your agency may take advantage of the assistance (loans/grants) available. It is also important for you to share with your clients. It is recommended that you share this with you clients and let them know these stimulus programs have been established to help businesses continue to operate or get back to being operational. 

Information from the U.S. Dept. of Treasury on The Paycheck Protection Program

CARES Act Graphic

Click the image above to open the full-size graphic, then right-click and save image to your computer and share on your agency's social media page.

Click Here to Download a CARES Act Letter to Share with Clients 
The CARES Act is a $2 trillion relief package, the largest of its kind in American history. View resources on how this relief bill will impact you, your insureds and other businesses. You may be eligible to take advantage of the assistance (loans/grants) available. This information is also important to share with your clients and includes a graph, letter and more for your agency to use as it would like.

The Families First Coronavirus Response Act (FFCRA) requires certain employers to provide their employees with paid sick leave and expanded family and medical leave for specified reasons related to COVID-19.These provisions will apply from April 1, 2020 through December 31, 2020. Download the FFCRA Poster (below) that must be displayed and distributed (emailed) to your employees. Please feel free to share this guidance and the poster with your clients. 

Click HERE to download FFCRA Employee Rights poster/flyer from the U.S. Department of Labor.

The FFCRA or Families First Coronavirus Response Act requires certain employers to provide their employees with paid sick leave and expanded family and medical leave for specified reasons related to COVID-19. These provisions will apply from April 1, 2020 through December 31, 2020. This act requires all employers with less than 500 employees to display and distribute a flyer from the US Department of Labor. Click the dropdown above to view a variety of resources including this poster, Q&A documents, a summary of the act, employer requirements and different employee rights.

Communicating to Customers

Important E&O Risk Alert

It is important for customers to understand why the coverage may be excluded or why the claim does not meet coverage guidelines. Refrain from responding to questions you may not be comfortable answering and when necessary, engage with the carrier to determine the appropriate course of action. If there is any uncertainty regarding coverage for your customer(s), follow your agency guidelines for submitting claims to the carrier or have the customer submit the claim directly. It is the carrier’s role to determine whether or not coverage exists. Properly document all conversations with the customer as well as any conversations with the carrier. Please review these updated recommendations on Business Income claims.

Communications to Share with your Clients

 Click Here to View Social Media Graphics and
Coverage Explanations For agency Use 

New Material added on March 26, 2020

 

Due to the unprecedented number of phone calls, the Department of Workforce Development is requesting that claims for unemployment be made online. You can do so here: https://dwd.wisconsin.gov/uiben/apply

 3 CARES Act Options for Economic Relief
(Click to Download)
    The Paycheck Protection Program
(Click to Download)
        Economic Injury Disaster Loans (EIDL)
(Click to Download)
5 Things Your Business Should Do      Payment Protection Program
        EIDL

Share this video on your Facebook, LinkedIn or other social media. Click here to open the video and click "Share" to post on social media, copy the embed code or the link to the video.

Resource Pages for Specific Industries
CPWR The Center for Construction COVID-19 Resource Page
Brewers Association Brewery Shutdown Safety Guidance
National Restaurant Association COVID-19 Resource Page
National Automobile Dealers Association (NADA) COVID-19 Resource Page
National Federation for Independent Business COVID-19 Resource Page for Small Businesses
League of Wisconsin Municipalities COVID-19 Resource Page
US Small Business Administration COVID-19 Resourcse for Small Businesses
Wisconsin Realtors Association (WRA) COVID-19 Resource Page
Wisconsin Builders Association COVID-19 Resource Page
Wisconsin Association of School Boards COVID-19 Resource Page
Wisconsin Manufacturers & Commerce COVID-19 Resource Page
Wisconsin Dental Association COVID-19 Resource Page
Wisconsin Bankers Association COVID-19 Resource Page
Wisconsin Restaurant Association COVID-19 Resource Page

Additional Resources

Below are links to news articles and resources for you to share with your employees and clients. 

IIABA COVID-19 Resource Page (Top Resource- All IIABA RESOURCES AND ARTICLES LOCATED ON THIS SITE)
U.S. Small Business Administration Coronavirus (COVID-19): Small Business Guidance & Loan Resources

WISCONSIN COVID-19 (CORONAVIRUS) INFORMATION WEBSITE (subscribe for updates)
Worker's Compensation COVID-19 Public Information (WI DWD)
COVID-19 and Workers Compensation: What You Need to Know (NCCI)
NAIC COVID-19 Resource Page             
IIAW COVID-19 Business Interruption Coverage Talking Points for Agencies. Why COVID-19 is not a covered loss and the ramifications of forcing insurers to retroactively cover these loses. (March 31, 2020)
COVID-19 Print Resources from CDC (April 1, 2020)


You will find a variety of communications and social media graphics with coverage explanation PDFs to share with clients and other resources and information to directly share with your customers.

You will find a links to available carrier communications and notices about what they are doing for customers during this time. Many carriers are offering a refund on certain policies and providing payment flexibility options.

Agency Considerations for Operations and Employees

An Agency's Introductory Guide to Becoming a Digital Agency
As you continue to work during the pandemic, here are some resources and considerations for your agency as you implement new internal policies and procedures for your staff to work remote/work from home. 

CLICK HERE TO DOWNLOAD YOUR GUIDE TO BECOMING A DIGITAL AGENCY

Returning to Work
IIAW's Guide to Reopening Your Agency


Become a Digital Agency
Internet of Insurance - Digital Agency Storefront FREE for Big I Members
Webinar: Learn How to Become a Digital Agency in 90 Minutes

Work Remote Resources

COVID-19 Agency Checklist (IIAW, March 18, 2020)
Coronavirus and Sick Leave
Disaster Planning Toolkit
Work From Home Best Practices
Sample/Template Agency Work From Home Policy
Coronavirus Work-from-Home Response May Expand Cyber Risk
Tools Insurance Agents Need When Working From Home Webinar Presented by Steve Anderson
Affinity HR: Time to Work from Home (March 30, 2020- ON-DEMAND)
ePayPolicy for IIAW Members
How to Make Remote Work Work Whitepaper


Marketing Resources
How  to Handle Your Social Media During the Coronavirus Crisis
Marketing in a Time of Crisis
Marketing Dos and Don'ts During a Crisis
How to Advertise on Facebook in 2020: The Definitive Facebook Ads Guide
How to Advertise on LinkedIn (In 7 Simple Steps)
Marketing During COVID-19: 4 Essential Copywriting Guidelines



WI Office of the Commissioner of Insurance Bulletins and Orders

OCI Bulletin: Coverage for Delivery Drivers for Restaurants during the COVID-19 Public Health Emergency (June 18, 2020)
OCI Press Release: Insurance Commissioner Afable Urges Restaurants, Delivery Drivers to Touch Base with Insurers about Delivery Coverage (June 18, 2020)


A copy of the bulletin is available   here .
An FAQ document for consumers is available   here .
An FAQ document for agents and insurers is available   here .

Extension of Transitional Health Insurance Plans Through December 31, 2021 (March 26, 2020)

Additional Resources 

HIPAA Privacy and Novel Coronavirus
Employee Benefit Adviser: Comprehensive Coronavirus news feed for employee benefit agents
COVID-19: The Employer's Toolbox
COVID-19 and the Fair Labor Standards Act: Questions and Answers
COVID-19 and the Family and Medical Leave Act: Questions and Answers
IIABA Government Affairs Coronavirus Resource Page
How COVID-19 Court Lockdowns May Turn the Social Inflation Tide (June 2, 2020)
The BIG Idea for Business Interruption Coverage: What It Is and Isn't (June 10, 2020)

 

This section contains tools, resources and recommendations to continue your operations during this pandemic. Included in this section is an "Agency's Introductory Guide to Working Remote", a variety of resources to consider to have employees be efficient and productive as they work remotely, OCI bulletins and orders, information about the Safer at Home Order, how to apply for a small business loan and more!

This section includes a variety of COVID-19 resource pages. Read more about news from the CDC, WHO, a COVID-19 Case Tracker and more.

View different webinars and podcasts relevant to the COVID-19 outbreak and its impact on the insurance industry. New webinars will be added as they are announced/become available.

Stay Updated When New Information Is Available

 Text Alert

Receive Text Alerts

Text "IIAW" to (833) 384-0094 to subscribe to IIAW COVID-19 text alerts. You will receive a text alerting you to when important information is announced and uploaded to iiaw.com/coronavirus

 Email Alerts

Email Updates

To stay up-to-date with the latest information, please be sure to check our spam filter for IIAW emails and alerts. If you do not subscribe to IIAW publications, please click here to subscribe by entering your email.

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Thank You

Together we will get through this. We appreciate your membership to the IIAW and thank you for your commitment as we provide tools and resources during this time.


NAIC Coronavirus Resource Center

The information contained herein is not intended to constitute legal or other professional advice and should not be relied upon in lieu of consultation with your own legal advisers. The resources found on the IIAW website and within IIAW printed and digital materials were created to benefit the independent agency channel and cannot be recreated, copied or shared without the written permission of the IIAW.