Coronavirus (COVID-19) Resources

Valuable resources to provide you with guidance in the age of COVID-19.

Client Resources

At AssuredPartners, we're not just in the insurance business.  We're in the business of cementing powerful, lasting relationships.  Our relationships are built on trust that we earn day in and day out by working openly and honestly with you as partners to achieve common goals. In doing so, we strongly recommend seeking guidance from health agencies during this time of uncertainty as it relates to the Coronavirus Disease COVID-19.  Like any outbreak of infectious disease, the spread of the Coronavirus can cause significant disruptions to our lives, our social interaction, our businesses and our economy.

Executive COVID-19 Communication:

Click here to view a message from AssuredPartners Chairman & CEO, Jim Henderson, and President & COO, Tom Riley, regarding our business plan and availability during these unprecedented times.

New York State COVID-19 Notice:

Click here to view a letter to all New York State clients of AssuredPartners regarding emergency measures to protect insurance policyholders who have been hit with financial hardship because of the COVID-19 pandemic.

AssuredPartners is pleased to offer our clients valuable resources to help prepare and protect you against a serious disease outbreak and to provide you with guidance in the age of COVID-19.  Please review our resources below, and please use caution to prevent the spread of the Coronavirus.
 

COVID-19 Employer Insights

Access our Employer Insights guides from for helpful resources, insurance implications, workers compensation considerations and more as well as valuable articles written by AssuredPartners associates.

CARES Act Information

Access the latest information regarding the newly signed into law Coronavirus Aid, Relief and Economic Security Act (CARES Act).

CARES Act Information

Information regarding the newly signed into law Coronavirus Aid, Relief and Economic Security Act (CARES Act).

CARES Act - Paycheck Protection Program Toolkit

Your toolkit for understanding and accessing benefits of the Paycheck Protection Program.

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Government and Other Resources

Access COVID-19 resources from the Centers for Disease Control (CDC), the World Health Organization (WHO), the U.S. Department of Labor (DOL) and more.

Government and Other Resources

Visit the external resource links below for additional information regarding infectious disease preparedness.

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Frequently Asked Questions

See answers to frequently asked questions regarding employee interaction and other topics, or submit a question to us online.

Submit a Question


Please click on the button below to submit a question to our team of insurance and risk management specialists.  We will do our best to answer all questions on this Q&A forum, in one of our upcoming Town Hall Q&A forums, or by responding to your question directly via email.


Questions & Answers - Property Owners
 
As a property owner/manager, how do I handle idle and vacant properties during this time?

CLICK HERE TO VIEW RESPONSE


Questions & Answers - Employee Interaction
 
If you suspect an employee has contracted the Coronavirus. What should we do?

Recommendations from the CDC:

Actively encourage sick employees to stay home:

  • Employees who have symptoms of acute respiratory illness are recommended to stay home and not come to work until they are free of fever (100.4° F [38.0° C] or greater using an oral thermometer), signs of a fever, and any other symptoms for at least 24 hours, without the use of fever-reducing or other symptom-altering medicines (e.g. cough suppressants). Employees should notify their supervisor and stay home if they are sick.
  • Ensure that your sick leave policies are flexible and consistent with public health guidance and that employees are aware of these policies.
  • Talk with companies that provide your business with contract or temporary employees about the importance of sick employees staying home and encourage them to develop non-punitive leave policies.
  • Do not require a healthcare provider’s note for employees who are sick with acute respiratory illness to validate their illness or to return to work, as healthcare provider offices and medical facilities may be extremely busy and not able to provide such documentation in a timely way.
  • Employers should maintain flexible policies that permit employees to stay home to care for a sick family member. Employers should be aware that more employees may need to stay at home to care for sick children or other sick family members than is usual.

 

Can I take an employee’s temperature at work to determine whether they might be infected?

The Americans with Disabilities Act (ADA) places restrictions on the inquiries that an employer can make into an employee’s medical status, and the EEOC considers taking an employee’s temperature to be a “medical examination” under the ADA.

If pandemic influenza symptoms become more severe than the seasonal flu or the H1N1 virus in the spring/summer of 2009, or if pandemic influenza becomes widespread in the community as assessed by state or local health authorities or the CDC, then employers may measure employees’ body temperature. 

However, employers should be aware that some people with influenza, including the 2009 H1N1 virus or COVID-19, do not have a fever. 

Because the CDC and state/local health authorities have acknowledged community spread of COVID-19 and issued attendant precautions as of March 2020, employers may measure employees' body temperature. As with all medical information, the fact that an employee had a fever or other symptoms would be subject to ADA confidentiality requirements.

 

What steps can we take to limit transmission?

Based on what is currently known about the virus, spread from person-to-person happens most frequently among close contacts (within about 6 feet). This type of transmission occurs via respiratory droplets. Transmission of novel coronavirus to persons from surfaces contaminated with the virus has not been documented. Transmission of coronavirus in general occurs much more commonly through respiratory droplets than through fomites. Current evidence suggests that novel coronavirus may remain viable for hours to days on surfaces made from a variety of materials. Cleaning of visibly dirty surfaces followed by disinfection is a best practice measure for prevention of COVID-19 and other viral respiratory illnesses in community settings. The CDC offers additional information here.

 

Is COVID-19 a recordable illness for purposes of OSHA Logs?

Please refer to OSHA for guidance on this issue. OSHA recordkeeping requirements mandate covered employers record certain work-related injuries and illnesses on their OSHA 300 log. You must record instances of workers contracting COVID-19 if the worker contracts the virus while on the job. The illness is not recordable if worker was exposed to the virus while off the clock. You are responsible for recording cases of COVID-19 if:

  1. The case is a confirmed case of COVID-19;
  2. The case is work-related, as defined by 29 CFR 1904.5; and
  3. The case involves one or more of the general recording criteria set forth in 29 CFR 1904.7 (e.g. medical treatment beyond first-aid, days away from work).
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Employee Benefits

View our employee benefits Q&A video series and get answers to frequently asked questions regarding health care plan coverage and implications.

Questions & Answers - Employee Benefits
 
Why is the situation so dangerous?

CLICK HERE TO VIEW VIDEO RESPONSE

 

Will there be indirect costs to my health plan?

CLICK HERE TO VIEW VIDEO RESPONSE

 

What are other employers doing to mitigate risks?

CLICK HERE TO VIEW VIDEO RESPONSE

 

How will this affect my premiums and renewal?

CLICK HERE TO VIEW VIDEO RESPONSE

 

What else is on the horizon?

CLICK HERE TO VIEW VIDEO RESPONSE

 

What costs will this have to my health plan?

CLICK HERE TO VIEW VIDEO RESPONSE

 

How many poeple will get sick?

CLICK HERE TO VIEW VIDEO RESPONSE

 

How do I know what information I can trust?

CLICK HERE TO VIEW VIDEO RESPONSE

 

How Quickly could this overwhelm the healthcare system?

CLICK HERE TO VIEW VIDEO RESPONSE

 

How long will the pandemic last?

CLICK HERE TO VIEW VIDEO RESPONSE

 

How much is the test?

While costs vary, the general range for the COVID-19 test is falling between $80 and $200.

 

Will our plan cover the test?

Federal legislation has required all plans subject to ERISA to cover the COVID-19 test with zero member cost-sharing.  While plans not subject to ERISA technically have the option of not covering the test either in full or at all, it is not an advisable practice.

 

Can I make changes to my plans and policies mid-year?

This will vary significantly depending on the type of plan, the funding and the carrier.  Speak with your consultants and carriers to get definitive answers0.

 

Who can get the test?

Doctors are ordering tests for individuals who may have been exposed to the virus or people showing symptoms of the virus.  It is likely that testing capacity and volumes will increase as this has proven to be an effective way to identify and quarantine carriers of the virus.

 

Which of my employees are most vulnerable?

Older adults have a higher risk of serious illness, increasing with age.  People with serious chronic medical conditions such as heart disease, diabetes and lung disease are also most vulnerable.  Other populations may also be more vulnerable, such as pregnant women, but there is not enough information yet to be sure.

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Senior Living

Access resources from the CDC, CMS, AHCA and many more organizations regarding implications and recommendations specific to the senior living industry.

Resources from the Web

Documents / Downloads
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Town Hall

Register for our next online Town Hall Q&A forum to address practical solutions and get answers to potential challenges you, your employees, and your business may be faced with.

Town Hall Q&A Forum


During these uncertain times, AssuredPartners is holding regular online Town Hall Q&A forums in an effort to address practical solutions and answers to potential challenges you, your employees, and your business may be faced with.

To find out more, submit a question or to register for our next Town Hall event, please click here.

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Cyber Liability

Access resources regarding cyber security and defending against privacy breaches during the COVID-19 outbreak.

Cyber Liability Resources



Cyber Security - Working from Home



Cyber Security Q&A

What measures can we take to reduce exposure to cyber criminals?
  • Implement Multi Factor Authentication when accessing files, sites, resources, etc.
  • Remove RDP (Remote Desktop Protocol). Secure remote access behind a VPN (Virtual Private Network)
  • Enforce Best Practices when transferring funds or changing banking information
  • Ensure virtual meetings are private
  • Use tools which help block phishing emails
  • Train employees on how to recognize a phishing email
  • Utilize strong passwords and practice good password hygiene
  • Keep software up to date and run anti-virus software
  • Perform regular backups of data


What are the primary user-actions which increase risk to cyber claims?
  • Clicking on links or downloading documents from unknown sources
  • Transferring funds without verification that the recipient is valid
  • Enabling Remote Desktop Protocol
  • Providing sensitive information in response to a bad actor’s email requests
  • Accessing sensitive information via public Wi-Fi
  • Reusing passwords
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Financial Impact Calculator

Access our financial impact calculator to predict your company's total employee healthcare costs related to the COVID-19 outbreak.

Financial Impact Calculator - Employee Healthcare Costs

AssuredPartners data analytics team has developed a unique tool to help self-funded employer health plans understand the potential impact the COVID-19 pandemic could have on their claims experience. This model will be updated daily based on the ever changing landscape regarding the spread and severity of the Novel Coronavirus. AssuredPartners is pleased to offer this tool to both our clients as well as any employer group who is interested in utilizing the calculator.

For more information and to request access to this tool, please click here.

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Working Remotely Video Series

Our Working Remotely Tips & Tricks video series is designed to address physical, mental and environmental issues that you may encounter as you work from home.

Resources to Help Create the Best Possible Home Office Environment

Working from home can be a great experience, but it can also come with challenges.  Our Working Remotely Tips & Tricks video series is designed to address physical, mental and environmental issues that you may encounter as you work from home.  Whether your remote work is temporary during the COVID-19 outbreak or just your normal workplace, these resources can help optimize your at-home work environment to keep you comfortable and productive.

To view the video series, please click here.

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COVID-19 Analysis Map

Our COVID-19 Analysis Map was developed to provide employers insight into how their locales are dealing with the COVID-19 pandemic and how they might wish to proceed strategically within their workplaces and employee policies.

COVID-19 State Analysis Map

The AssuredPartners Data Analytics Team has developed a COVID-19 Analysis Map to help employers better understand the evolving dynamics of the COVID-19 pandemic in their local geography.  As employers evaluate workplace protocols and strategies, AssuredPartners will be providing real time resources to help better understand the evolution of testing capacity, viral spread and changes in the prevalence of the virus over time.

To view the map, please click here.

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COVID-19 Disclaimer: Any statements contained herein relating to the impact of COVID-19 and/or the coronavirus on insurance coverage or any insurance policy is not a legal opinion, warranty, or guarantee and should not be relied upon as such. The situation surrounding COVID-19/coronavirus is changing constantly; as a result, any discussions that might take place may not necessarily reflect the latest information regarding recently-enacted, or pending or proposed legislation or guidance that could override, alter or otherwise affect existing insurance coverage. Answers to policy-specific questions will always depend on the terms and conditions of an individual policy and the specific facts relating to a potential claim. As insurance agents/brokers, we do not have the authority to make coverage decisions or render legal advice.