Following and preparing for COVID-19

We continue to monitor the developments of the coronavirus (COVID-19) and are taking measure to ensure the service provided to our policyholders remain at the high level that you value and expect. Keeping in mind that our highest priority is the health and safety of our customers and staff members, effective March 17th, Stolly Insurance will no longer be accepting in-person

 COVID 19 LOANS AND GRANTS 04/03/2020

 

03/30/20 For Small Businesses

 

Most up-to-date summary information on the recently passed CARES Act and SBA Loans.  See links below :

 

The Small Business Owner’s Guide to the CARES Act

 

Coronavirus Emergency Loans: Small Business Guide & Checklist

 

SBA Economic Injury Disaster Loan – Application

https://covid19relief.sba.gov/#/

 

 CARES Act Paycheck Protection Program  – Application

 

https://home.treasury.gov/system/files/136/Paycheck-Protection-Program-Application-3-30-2020-v3.pdf

 

 


March 26, 2020

To our Stolly Insurance extended family:

First and foremost, we hope that you and your family are safe and healthy.

We wanted to reach out to everyone and let you know that we are here for you.   Although we have closed our offices to foot traffic, all of our offices remain open.  We are working both in the offices and remotely with staff.

A couple of quick items we would like to share with you are:

  • Several of our insurance companies have installed a suspension of cancellation notices for non-payment. Thus, if you have the need to defer a payment or two, please contact us and see if this can be done with your insurance company.
  • Please be careful if your employer has asked you to deliver food, goods or services in this shut down time. There are specific exclusions that could void coverage.   Again, call us to discuss.
  • Regarding the “Stay At Home” directive put into place by Governor Mike DeWine, please see the Frequently Asked Questions form by clicking here. This is good information.

We will stay in touch.   Our website has updated information on daily developments stemming from the Coronavirus pandemic.  Please visit us at www.stolly.com

Please take care,

All of us at Stolly Insurance


  03/24/2020

OCR Issues Guidance to Help Ensure First Responders and Others Receive Protected Health Information about Individuals Exposed to COVID-19

Today, the Office for Civil Rights (OCR) at the U.S Department of Health and Human Services (HHS) issued guidance on how covered entities may disclose protected health information (PHI) about an individual who has been infected with or exposed to COVID-19 to law enforcement, paramedics, other first responders, and public health authorities in compliance with the Health Insurance Portability and Accountability Act of 1996 (HIPAA) Privacy Rule.

The guidance explains the circumstances under which a covered entity may disclose PHI such as the name or other identifying information about individuals, without their HIPAA authorization, and provides examples including:

  • When needed to provide treatment;
  • When required by law;
  • When first responders may be at risk for an infection; and
  • When disclosure is necessary to prevent or lessen a serious and imminent threat.

This guidance clarifies the regulatory permissions that covered entities may use to disclose PHI to first responders and others so they can take extra precautions or use personal protective equipment. The guidance also includes a reminder that generally, covered entities must make reasonable efforts to limit the PHI used or disclosed to that which is the “minimum necessary” to accomplish the purpose for the disclosure.

“Our nation needs our first responders like never before and we must do all we can to assure their safety while they assure the safety of others,” said Roger Severino, OCR Director. “This guidance helps ensure first responders will have greater access to real time infection information to help keep them and the public safe,” added Severino.

The guidance may be found at: https://www.hhs.gov/sites/default/files/covid-19-hipaa-and-first-responders-508.pdf

For more information on HIPAA and COVID-19, see OCR’s February 2020 Bulletin: https://www.hhs.gov/sites/default/files/february-2020-hipaa-and-novel-coronavirus.pdf


3/23/20 – Governor DeWine Issues STAY AT HOME Order

Governor DeWine announces effective Monday, March 23rd at 11:59pm until April 6th, Ohio is under a “shelter-in-place/stay-at-home” order to prevent the spread of coronavirus.

Read more . . .

https://coronavirus.ohio.gov/wps/portal/gov/covid-19/home/public-health-orders/directors-order-to-stay-at-home


 

SMALL BUSINESSES
Q: Will there be financial assistance available to help small businesses affected by the health crisis?
A: Yes. On Tuesday, March 17, Governor DeWine applied to the U.S. Small Business Administration (SBA) to allow Ohio to qualify for the Economic Injury Disaster Loan Program. To read more about the program on SBA’s website.

Read more . . .
https://www.sba.gov/funding-programs/disaster-assistance


Ohio Restaurant Association

What restaurants and foodservice businesses need to know. Read more . . .

https://www.ohiorestaurant.org/coronavirusupdates


UNEMPLOYMENT
Q: Can an employee file for unemployment if his/her hours have been reduced?
A: Yes, unemployment is available for employees whose hours have been reduced. See link below or additional info on unemployment from the Ohio Department of Job and Family Services.

Read more . . .

http://jfs.ohio.gov/ouio/CoronavirusAndUI.stm


 

Resources for Economic Support – Ohio Department of Health

Read more . . .

https://coronavirus.ohio.gov/wps/portal/gov/covid-19/home/resources-for-economic-support

 


 

3/23/20 –

An Important Message to Our Commercial Clients Regarding Coronavirus or Covid-19

News networks across the country have been filled with information on the now declared pandemic of the Coronavirus, or COVID-19.   As we start to hear about the threats this pandemic is posing to businesses, our agency wanted to address a common concern being raised about loss of income coverage as well as temporary delivery services.

It is possible that your commercial property insurance extends coverage to include loss of business income due to a closure of your business caused by a covered peril.  A communicable disease like the Coronavirus is typically not a considered to be a covered peril (such as wind, fire, hail, etc.), but you should not allow that assumption to keep you from taking action.

First, it is critically important to report all claims and potential claims to each and every carrier whose policy might apply to your loss. This includes Property, General Liability, Umbrella, Excess, Workers Compensation, Specialty and any other policy you may have.

Second, you need to determine whether you have purchased business income coverage.  If you do not find the coverage in your policy description, be sure to call our office so we can review.

Third, if your business closes due to the Coronavirus, it is important to know (again) that communicable diseases are not likely a covered peril that would give rise to insurance benefits for loss of income.

It doesn’t matter if the loss of income is just from a downturn of business due to the loss of customers, or the actual closure of your business. However, you should still consider reporting all claims and potential claims to our office for review.

We also understand that due to business downturn and mandated closures, a solution may be to temporarily offer or expand delivery services to customers. Businesses may need to re-deploy staff, who may otherwise lose their jobs, by directing them to operate as delivery drivers.

Please be advised that delivery service exposures may be excluded from both the hired and non-owned commercial automobile coverage form, as well as many personal automobile policies.   We encourage our insured businesses to consider partnering with online and mobile food-ordering and delivery marketplaces, where practicable.  If you are considering offering these services, please contact our agency to discuss potential coverage gaps and possible insurance solutions prior to starting this program.

Our agency has learned that in uncertain times, one thing is true – partnerships and trust matter. Though we ultimately don’t know how government-mandated business closures will be redressed, know that Stolly Insurance will be advocating with our industry associations on your behalf.  By pulling together, we will get through this.

Please contact us if you have any questions or need assistance.  We are here for you.

1(800) 686-2147

Sincerely,

Your Friends at Stolly Insurance Group