As developments continue to unfold in response to the spread of COVID-19, we know many small businesses have questions about implications in the workplace and funding options to help bolster their businesses during this difficult time. On this page, we are compiling relevant tips and resources on business resiliency.
The COVID-19 pandemic means that pretty much nothing is business as usual. Customers are concerned about how businesses are adapting to the situation — wondering if you’re open, have product available, if those products are safe, etc. There are several steps you should be taking now to ensure your customers can get answers when they’re searching online.
Audience: Small Business Owners
Focus on fresh content. Use the opportunity to tell your story. If applicable, let visitors know ways in which your organization is helping people cope with the situation.
Update your website header, not just your homepage. Google ranks pages, not sites. If a person is searching for your organization, they’re likely to be directed to an interior page on your site, not your homepage.
Add an alert bar that sits above the navigation bar. An alert bar is a great, practical tool for drawing attention to a crucial issue. If you’re providing special services or operating an emergency COVID-19 fund, this is the best way to convey that information. Use action-oriented language such as “follow updates to see how we’re helping the community.”
Continue updating your site with non-COVID-19 information. Although COVID-19 and related topics are dominating everyone’s attention, Google continues to crawl the web and update its rankings. It’s important to continue to drive your mission.
Audience: Non-profits
Companies are facing unique challenges to their businesses, including supply chain interruptions, employee and customer safety concerns and government regulations, restrictions and shutdowns. Wide-impact catastrophes like this pandemic will cause tremendous and long-lasting economic damages. And while policyholders have procured insurance to protect themselves from such catastrophic events, business interruption claims are frequently the most difficult and hotly contested of insurance claims.
Audience: Small Business Owners
The Department of Labor & Industries requires employers to implement the Governor’s "Stay Home, Stay Healthy" order. Employers must ensure social distancing for employees and customers, frequent and adequate employee hand-washing, and that sick employees stay home. Employers must also provide basic workplace hazard education about coronavirus and how to prevent transmission in languages best understood by employees. L&I does not currently require employers to have a written coronavirus transmission prevention plan.
Audience: Small Business Owners
Business interruption coverage generally allows a business to recover certain losses in the event that the business suffers physical damage or loss that prevents it from operating its business, whereas civil authority coverage, generally allows a business to recover losses when it a civil authority issues an order that closes a business or prevents it from normal operations
Audience: Small Business Owners
Your broker should be able explain your coverage benefits. The issuer of your policy or its agent should be able to do the same. Any of them may have a website that explains your business interruption benefits. Business Interruption Coverage Your business interruption insurance policy should list or describe the types of events it covers. Events that are not listed on, or not described in, the policy are typically not covered. It is important to review the policy exclusions, coverage limits, and applicable deductibles.
Audience: Small Business Owners
Businesses across Missouri have been impacted by closures and losses related to the COVID-19 public health crisis. One common question is the extent to which insurance may cover any losses businesses experience as a result of COVID-19. In order to help address questions related to business interruption insurance coverage
Audience: Small Business Owners
We are here to help you in this unprecedented time by providing you the essential understanding to handle the economic impact of these trying times. Please contact any of our following team members to discuss the challenges you are facing. We are ready to assist you.
Audience: Small Business Owners
This space is dedicated to COVID-19 health and safety resources created by the National Safety Council and its partner organizations.
Audience: Small Business Owners
Provides information for workers and employers about the evolving coronavirus pandemic. The information includes links to interim guidance and other resources for preventing exposures to, and infection with, the novel coronavirus.
Audience: Small Business Owners, Employees, Self-employed, Non-profits
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