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COVID-19 RESOURCES

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 * Public Health Emergencies


HELPING CLIENTS PREPARE & RESPOND TO PUBLIC HEALTH EMERGENCIES


CORONAVIRUS DISEASE (COVID-19)

The costs associated with the outbreak of COVID-19 are mounting. Throughout the
world, governments, businesses and individuals are taking action against the
threat, and reality, of a pandemic event. The virus has already affected many
organizations, causing business disruptions and supply chain issues. Still,
despite warnings from the World Health Organization and other agencies, more
companies need to take the necessary steps to prepare their employees and
business continuity plans in advance to see themselves through a major crisis.
The time to prepare is now.

USI has assembled the following resources, focused on risk preparedness &
mitigation, and claims & coverage considerations, to help clients prepare and
respond to a widespread public health emergency.


IMPORTANT UPDATES, TOOLS & RESOURCES

USI CORONAVIRUS UPDATE

COVID-19 is a respiratory illness first detected last December in Wuhan City,
Hubei Province, China. It has since spread to countries across the globe. Common
signs of infection include respiratory symptoms, fever, cough, shortness of
breath and breathing difficulties, according to the World Health Organization.
It can also lead to pneumonia, severe acute respiratory syndrome, kidney
failure, and possible death. Significant business challenges can arise from
outbreaks of the virus and/or attempts to control its spread.

RESPONSE AND RISK MITIGATION

In the event of pandemic influenza, businesses will play a key role in
protecting employees’ health and limiting the spread and negative impact to the
economy. USI has prepared the following documents to assist our clients with
business continuity, employee safety and communications:

 * Client Advisory | OSHA ETS: Learn About the Recently Issued Mandatory
   COVID-19 Vaccination or Testing Guidance
 * Client Advisory | Significant COVID-19 Related Action Announced
 * National Cybersecurity Awareness Month - 2020
 * Wildfire Preparedness during COVID-19
 * Risk Management Guidebook: Natural Disasters and Emergency Preparedness
 * Risk Management Guidebook: Hurricane and Disaster Preparedness
 * Cyber Update – Cyber Exposures & the COVID-19 Quarantine
 * Employee Work From Home Guide
 * Telecommuting Policy and Procedure COVID-19
 * Pandemic Checklist
 * COVID-19 Preparedness and Risk Mitigation Resource Guide

REOPENING GUIDELINES

 * Returning to Work in the COVID-19 Environment
 * COVID-19 Business Reopening Checklist
 * HR Toolkit - Returning Workforces and COVID-19 Vaccines
 * Risk Control Resources for COVID-19
 * Grab and Go - RC Guide to Recovery and Reopening
 * Sample Return to Work Action Plan
 * Reopening Guidelines Checklist for Worker Training Requirements
 * Reopening Guidelines Checklist for the Protection of Employees
 * Reopening Guidelines Checklist for Facilities
 * COVID-19 Reopening Guidelines Checklist for Office Work
 * COVID-19 Business Reopening Health Screening and Temp Check Guidelines
   Checklist
 * COVID-19 Business Reopening Administrative Guidelines Checklist

Industry Specific

 * Construction COVID-19 Reopening Guide
 * Financial Services and General Office COVID-19 Reopening Guide
 * Hospitality COVID-19 Reopening Guide
 * Manufacturing COVID-19 Reopening Guide
 * COVID-19 Business Protocols and Risk Control for Auto Dealerships
 * COVID-19 Business Protocols Checklist for Auto Dealerships
 * Grab and Go - Auto Dealerships RC Guide to Recovery and Reopening

PROPERTY & CASUALTY

Insurance coverage and claims considerations resulting from an influenza
epidemic or influenza pandemic situation will require a close examination of all
insurance policies in place. USI has prepared the following material, discussing
how business insurance coverage may be affected, the insurance industry’s
response to the situation, and steps you can take to prepare for the business
impact of the virus:

 * Addendum to the 2020-2021 Property & Casualty Market Outlook – Cyber/E&O
   Insurance
 * 2020-2021 Property & Casualty Market Outlook, Q4 Update
 * Transactional Insurance Markets and the Ongoing Impact of COVID-19
 * COVID-19 Impact on Aviation Industry - January 2021
 * COVID-19 Vaccine Implications for Employers and Their Executives
 * COVID-19 Vaccines: What Employers Need to Know
 * General Industry Safety Orders §3205 Summary
 * California Assembly Bill 685 (AB 685)
 * Mitigating COVID-19 Personal Injury Risks
 * California Senate Bill #SB 1159 Summary.pdf
 * Risks Related to the Federal Paycheck Protection Program
 * 2020 Property & Casualty Market Outlook Addendum
 * 2020 Property & Casualty Market Outlook
 * Group Captive Risk Financing - An Alternative Method for Reducing
   Costs/Improving Cashflow During COVID-19
 * Consider Loss-Sensitive Program Structures to Reduce Cost and Improve
   Cashflow During COVID-19
 * NCCI Workers’ Compensation COVID-19 Modeling Tool
 * COVID-19 CA WC Executive Order N-62-20
 * NCCI Workers’ Compensation Class Code 0012 and its Impact on Your Business
 * COVID-19 Transaction Liability Considerations – Reps & Warranties Insurance
 * Coverage for Pandemics and Other Natural Phenomena
 * Repurposing of Existing or Closed Senior Care Facilities
 * Construction Project Restart Strategies Part 2- Project
 * Construction Project Restart Strategies Part 1- People
 * COVID-19 Impact on the Aviation Industry
 * Notice of Circumstance – COVID-19
 * Construction Site Operating and Temporary Suspension Best Practice Procedures
 * Cyber Update – Cyber Exposures & the COVID-19 Quarantine
 * OSHA Coronavirus Compliance Bulletin
 * D&O FAQ Addendum
 * Coronavirus Workers Comp and OSHA Advisory
 * USI’s Coronavirus FAQ
 * Business Interruption Prep Tool
 * Preparing and documenting a Business Interruption claim
 * Pandemic Claim Reporting Guidelines

PERSONAL RISK

USI’s Personal Risk Professionals are dedicated to protecting individuals,
families, emerging wealth and Family Offices across the economic spectrum during
these challenging times. USI prepared the following tools and resources to help
you through any challenges that may be faced during the COVID-19 pandemic:

 * COVID-19 – Impact on Your Personal Insurance
 * Carrier Response to COVID-19
 * Cyber Checklist: Keep These Best Practices at Your Fingertips
 * Personal Risk COVID-19 Cyber Risk Bulletin

EMPLOYEE BENEFITS

As COVID-19 continues to spread across the U.S., employees are concerned about
their health, medical coverage, and company leave policies. To reduce
uncertainty and alleviate concerns, USI has prepared these helpful updates:

 * Equal Employment Opportunity Commission (EEOC) Guidance on COVID-19 Vaccines
   and Employer Incentives. Chart summarizing highlights of EEOC guidance on
   employer COVID-19 vaccinations policies, incentives and the impact of federal
   EEO laws.
 * COVID-19 Vaccine Infographic. This infographic was designed for employers to
   share with their employees as it provides an easy-to-understand overview of
   the available COVID-19 vaccines.
 * COVID-19 Vaccine Infographic (Spanish). Spanish translation of the COVID-19
   Vaccine Infographic for employers to share with Spanish-speaking employees.
 * COVID-19 Vaccines: What Employers Need to Know. Overview of the multiple
   vaccines coming to market and the possible impact on employers. 
 * Benefit Eligibility Considerations in a Coronavirus Environment – Returning
   to Work. Overview of benefit program concerns that employers will be facing
   as employees return to work after a leave of absence, reduction in hours or
   termination of employment related to COVID-19. 
 * Benefit Eligibility Considerations in a Coronavirus Environment. High-level
   information regarding compliance concerns for employers considering reducing
   hours or laying off employees. 
 * COVID-19 | Response from National Health Insurance Carriers. Updates on how
   health insurance carriers are covering COVID-19 diagnostic testing and
   offering additional resources to all members impacted by the virus.
 * Frequently Asked Questions (FAQs) from USI’s March 31, 2020 COVID-19:
   Employee Benefits Compliance Update Webinar 
   * Group Health Plan Coverage FAQs
   * FFCRA Leave Provisions FAQs
   * FFCRA Payroll Tax Credits FAQs

USI Employee Benefits COVID-19 Compliance Updates - Q4 2021


 * Guidance Clarifies Outbreak Period Rules for COBRA
 * HHS Extends Public Health Emergency until January 16, 2022
 * Telehealth Relief for HDHPs Set to Expire
 * HHS Issues Guidance Addressing HIPAA and COVID-19 Vaccinations

USI Employee Benefits COVID-19 Compliance Updates - Q2 2021


 * EEOC Issues Guidance on Employer COVID-19 Vaccine Policies
 * IRS Provides Additional Guidance on the COBRA Subsidy
 * Employers Encouraged to Provide PTO for Vaccinations
 * HHS Extends Public Health Emergency until July 20, 2021
 * Guidance Issued on MHPAEA Comparative Analysis Requirement
 * COVID-19 PPE Now a Qualified Medical Expense
 * Guidance Issued on the 2021 COBRA Subsidy

USI Employee Benefits COVID-19 Compliance Updates - Q1 2021

 * DCAP Update and Other Highlights from ARPA
 * Departments Issue Additional FFCRA and CARES Act Guidance
 * Here Comes the COBRA Subsidy
 * Guidance Issued on Outbreak Period
 * IRS Guidance on Health FSA and DCAP Relief
 * HHS Again Extends the Public Health Emergency
 * DOL FAQs Address Expiration of FFCRA Leave

USI Employee Benefits COVID-19 Compliance Updates - Q4 2020

 * COVID-19 and Government Funding Legislation Signed into Law
 * EEOC COVID-19 Guidance Updated for Vaccines
 * COVID-19 Vaccine FAQs
 * Final Regulations Address Coverage for COVID-19 Vaccines
 * HHS Announces Another Extension to the Public Health Emergency

USI Employee Benefits COVID-19 Compliance Updates - Q3 2020

 * Renewal Considerations: Potential Liability Exposures Due to COVID-19-Related
   Extensions
 * EEOC Updates COVID-19 Guidance
 * DOL Reaffirms and Revises FFCRA Leave Regulations, Updates FAQs
 * FFCRA Paid Leave Regulations Partially Invalidated by District Court
 * DOL Provides Guidance Regarding FFCRA and SCA-DBRA Interaction
 * National Public Health Emergency Extension Benefit Plan Impact
 * IRS Issues FFCRA W-2 Reporting Guidance
 * FFCRA Benefit Eligibility Update for Summer Program Closures
 * Departments Issue FAQ Part 43 on COVID-19

USI Employee Benefits COVID-19 Compliance Updates - Q2 2020

 * EEOC Antibody Testing Guidance in Return to Work Decisions
 * DOL Updates FFCRA FAQs
 * IRS Issues Relief for Cafeteria Plans in Response to COVID-19
 * Proper Use of Premium Credits
 * New Guidance Offers Relief and Extends Deadlines for Benefit Plans
 * Form 5500 Deadline Extended for Some Plans
 * New Mandatory Preventive Items and Services
 * IRS Issues Guidance on Tax Credits
 * FAQs on COVID-19 and Health Coverage
 * Qualified Disaster Relief Payments
 * Regulations and Additional FAQs Address FFCRA Leave
 * DOL Issues Additional FFCRA Guidance

USI Employee Benefits COVID-19 Compliance Updates - Q1 2020

 * The CARES Act Signed into Law
 * Payroll Tax Credits under FFCRA – Initial Guidance Issued
 * COVID-19 Special Enrollment Considerations
 * DOL Issues Guidance for Families First Coronavirus Response Act
 * Families First Coronavirus Response Act Signed into Law
 * Coronavirus and the Family and Medical Leave Act

RETIREMENT CONSULTING

During this period of economic uncertainty and market volatility, employers and
employees are looking for guidance on how to plan and invest for retirement. To
help manage these concerns, USI Consulting Group has created the following
materials:

 * Pension Changes from COVID Relief: Multi Employer Plans
 * Pension Changes from COVID Relief: Single Employer Plans
 * COVID-19 Impact on Labor Markets
 * Stocks Extended Gains in July
 * Sustainable Funds and Climate Control Wrapped into a COVID-19 World
 * The CARES Act | Frequently Asked Questions (FAQs) Part II
 * Guide to Navigating Your Personal Finances After Being Impacted by COVID-19 
 * COVID-19 and your Retirement Plan: Reminders, Considerations & Communications
 * IRS Releases CARES Act Guidance on Coronavirus-Related Distributions, Loans
   and Required Minimum Distributions
 * Returning to Work after COVID-19 for 401(k)/403(b) Retirement Plans
 * Fear and Greed-Driven Biases in COVID-19
 * The Federal Reserve Response to COVID-19
 * COVID-19’s Impact on Pension Plans: What are the Top 6 Issues Impacting Your
   Plan?
 * COVID-19 and Partial Retirement Plan Termination
 * Markets Remain Optimistic Despite Dismal Economic News
 * Guide for Plan Sponsors on how to measure behavior in their retirement plans
   before, during, and after COVID-19
 * Stable Value in an Unstable Environment
 * Defined Benefit Pension Plans: Rebalancing as Risk Management Tool
 * Bear Markets & Recovery Periods
 * The CARES Act | Frequently Asked Questions (FAQs)
 * Market Volatility and Target Date Funds | Unprecedented market volatility
   continues in the global financial markets, more retirement plan participants
   are concerned about the recent losses in their retirement savings
 * Defined Benefit Pension Plans: Evaluating the long-term strategy in light of
   short-term volatility
 * Global Markets Rally with the Economy Ready to Re-Start its Engine
 * COVID-19 Outbreak Shuts Down the Economy and Everyday Life
 * The CARES Act | What It Means For Retirement Plans
 * Presentation about Investing for Retirement in a Volatile Market brought to
   you by USI Consulting Group
 * COVID-19 & Market Volatility: Participant Information

TRAVEL INSURANCE AND TRAVEL ALERTS

Many governmental agencies and companies are avoiding nonessential travel to
high risk areas. The U.S. Department of State has issued a Level 4 Travel
Advisory, asking people not to travel to China and other high-risk areas, as the
rapidly spreading outbreak constitutes a Public Health Emergency of
International Concern.

For travelers who may have planned trips in the coming months, or cancelled or
postponed trips, USI Travel Insurance Services has created a webpage as a
resource to help travelers understand their options and educate on what their
travel insurance plans may cover. Please visit the webpage here.

USI’S EMERGENCY PREPAREDNESS ACTIONS FOR CLIENTS, CARRIERS, AND VENDORS

For additional information on USI’s COVID-19 business continuity planning
efforts, please refer to the following summary of “USI’s Emergency Preparedness
Actions for Clients, Carriers, and Vendors.”


EXTERNAL RESOURCES

RESPONSE AND RISK MITIGATION

 * NFPA Guidance for Maintaining Fire Protection and Life Safety Systems
 * NortonLifeLock guide to Coronavirus phishing emails: How to protect against
   COVID-19 scams

GUIDANCE FROM THE CENTERS FOR DISEASE CONTROL AND PREVENTION (CDC)

 * COVID-19 Website
 * What You Need to Know About COVID-19
 * What to Do If You Are Sick With COVID-19
 * Interim US Guidance for Risk Assessment and Public Health Management of
   Persons with Potential Coronavirus Disease 2019 (COVID-19) Exposure in
   Travel-associated or Community Settings
 * Health Alert Network
 * Travelers’ Health Website
 * National Institute for Occupational Safety and Health’s Small Business
   International Travel Resource Travel Planner
 * Coronavirus Disease 2019 Recommendations for Ships
 * State & Territorial Health Departments
 * Cleaning and Disinfection for Community Facilities

GUIDANCE FROM OTHER FEDERAL AGENCIES AND PARTNERS

 * OSHA Guidance
 * Coronavirus COVID-19 Global Cases by Johns Hopkins CSSE
 * World Health Organization Rolling COVID-19 Updates
 * Directory of Local Health Departments

 

For more information about the Coronavirus and/or public health concerns,
contact your local USI office or representative.


ABOUT USI INSURANCE SERVICES

USI is one of the largest insurance brokerage and consulting firms in the world,
delivering property and casualty, employee benefits, personal risk, program and
retirement solutions to large risk management clients, middle market companies,
smaller firms and individuals. Headquartered in Valhalla, New York, USI connects
together over 8,000 industry leading professionals across approximately 200
offices to serve clients’ local, national and international needs. USI has
become a premier insurance brokerage and consulting firm by leveraging the USI
ONE Advantage®, an interactive platform that integrates proprietary and
innovative client solutions, networked local resources and expertise, and
enterprise-wide collaboration to deliver customized results with positive,
bottom line impact. USI attracts best-in-class industry talent with a long
history of deep and continuing investment in our local communities. For more
information, visit usi.com or follow us on LinkedIn, Facebook, or Twitter.


ADDITIONAL RESOURCES

USI is staying up to date on the COVID-19 pandemic. We have developed
additional, industry-specific information including exclusive webinars to keep
our clients informed during these uncertain times. Contact your USI Consultant
to learn more.




LEARN ABOUT USI

See how USI is making a difference for our clients and our communities

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