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These events of the last few weeks have filled us all with anxiety, uncertainty and longing for a sense of normalcy in our lives and businesses.  Please know that RHSB is here to provide support as you navigate this complicated and every-changing situation.   As our clients and valued partners, we will continue to provide you with the same level of service and responsiveness that you come to expect.

Our associates within our organization have been working from home since the opening of business Monday morning and our crisis team is continually monitoring COVID-19 (Coronavirus) developments to mitigate any potential business interruption.  As with many organizations, we are limiting non-essential travel in accordance with CDC and WHO guidelines.

While the way in which we work together (through virtual meeting tools) may be different, our goal remains to work in partnership to support your needs.  Please reach out to your RHSB team with questions, and we look forward to working with you during these unprecedented times.

We have prepared some resources for you:





These communications are for informational purposes only. Although every reasonable effort is made to present current and accurate information, RHSB makes no guarantees of any kind and cannot be held liable for any outdated or incorrect information. Please consult with outside counsel before implementing any policy or procedure.

Federal Activity

Senate Passes Omnibus CARES Act Late Wednesday, the US Senate voted unanimously (96-0), to advance “Phase Three” of a congressional response to the COVID-19 emergency. The House leadership has indicated that it will give its members 24-hour’s notice awatch the webinarbout House consideration. The House is planning to convene Friday morning at 9:00 a.m. for a vote (source: Steptoe & Johnson)

CORONAVIRUS EMERGENCY LOANS Small Business Guide and Checklist (source: US Chamber of Commerce)

SBA’s Paycheck Protection Loan Program information Paycheck Protection Program Summary, WebinarSlide Deck (source: Steptoe & Johnson)

Property Insurance Coverage Issues Associated with COVID-19this article discusses how courts have analyzed and applied first-party property policies for these types of non-physical losses, potential coverage under a civil authority provision, and pollution/contamination exclusions. (source: Cozen O’Conner)

BUSINESS INTERRUPTED BY COVID-19? CHECK YOUR INSURANCE POLICY FOR LOST BUSINESS INCOME COVERAGE This alert that discusses the availability of insurance coverage for lost business income due to COVID-19 and encourages clients to review their various policies to determine whether they have any coverage to recoup lost income caused by closure of or limits to operations. (source: Gray Reed)

COVID-19: WHAT ARE YOUR RIGHTS UNDER A CONTRACT IF YOU ARE DAMAGED OR BLAMED FOR THE DAMAGE?  This article outlines some of your contractual rights and obligations. The article was drafted by Gray Reed’s COVID-19 Task Force, which is strategically comprised of litigators and transnational attorneys involved with a wide array of industries. 

On March 18, 2020, President Trump signed into law the Families First Coronavirus Response Act (the Act), sweeping legislation that provides paid leave for millions of Americans dealing with the coronavirus. This unprecedented legislation requires applicable employers to provide paid sick leave benefits to their employees and significantly expands the Family Medical and Leave Act. This practical summary is intended to help all employers understand the obligations and benefits required under this new Act.

DOL Families First Coronavirus Response Act: Questions and Answers

DOL Families First Coronavirus Response Act: Employer Paid Leave Requirements

COVID-19 Health Insurance Federal Legislation Tracker (updated April 3, Source: Steptoe)

State Activity

Health + Benefit Resources

The medical and ancillary carriers are waiving certain rules and requirements in order to allow employees who were furloughed or were given a reduction in hours the opportunity to remain active on their plan(s) for an extended period of time.  Some are also allowing special enrollment periods for those who previously waived coverage.  Others are allowing additional grace periods for premium payments.  Please contact your Employee Benefits Account Manager or Consultant for information regarding how your carrier is responding to these issues.

What to do if you think you have Coronavirus

A total of 15 health insurers (this list plus Health Care Service Corporation) are now waiving member costs related to treatment for the novel coronavirus.

Operational Resources

Business Continuity

When Business Threats are Contagious: 10 Answers for Employers Navigating the Coronavirus (ThinkHR)

Eight steps for designing a coronavirus crisis management plan (Compliance Week)

Respond, Manage and Prepare for the Impact of Coronavirus (Gartner)

COVID-19: Implications for business (McKinsey)

Business Continuity Management: Pandemic Planning Briefing (60 minutes(Gartner)
Learn 10 steps for pandemic preparedness, crisis management solutions, the power of data and analytics and how technology plays a critical role for business success in this new environment.

Transitioning to Working from Home

How to Actually Work…When You’re Working from Home – video (Harvard Business Review)

7 ways to make working from home easier during the coronavirus pandemic (Fortune)
Need help navigating the work/life balance issues and figuring out how best to get your job done? Here are some ways to make it easier.

5 Do’s and Don’ts of Working Remotely(2 min) (Inc. Magazine)
There’s a lot more to working from home effectively than just waking up and turning on your laptop.

Real-time internet problem & outage monitoring (Down Detector)

Lessons for Effective Virtual Teamwork (5 minutes)

12 Tips For Making Your Virtual Meetings More Professional(Forbes)
Practical tips on how you can create a memorable and professional personal brand when you’re “meeting” someone virtually.

Best Practices for Managing Virtual Teams and Meetings (Center for Creative Leadership)
Teams need a strategy for communicating digitally, and leaders must adapt to effectively manage their people and meetings remotely.

Checklist for Creating Virtual Meetings (Medium)
Creating great virtual meetings requires much of the same thoughtful pre-work you need for a great in-person meeting with some additional details. This checklist is focused on virtual meetings of any size or format.

3 Communication Tips for Virtual Teams (CMOE)
Here are three important rules for communication to ensure virtual teams are highly productive and focused on accomplishing their goals and building a healthy team culture.

Cyber-security for Employees

Spotting Coronavirus-Related Phishing Emails (RIMS)
Amid widespread public concern and constantly evolving news about the COVID-19 pandemic, cyber-criminals are finding new fodder for phishing campaigns.

Beware the Coronavirus Email Scams (National Law Review)
Companies should include information about cyber hygiene along with the CDC recommendations of hand washing, particularly given the potential for increased remote access to corporate IT systems.

Internet Security Basics – 5 Lessons for Protecting Yourself Online (6 min)(Varonis)
Learn the basics of internet security and how to stay secure.

Coronavirus Scams Continue – Be Aware (Steve Anderson)

Coronavirus phishing emails: How to protect against COVID-19 scams  (Norton) 

Leading Through a Crisis


Recent study “Edelman Trust Barometer on COVID-19 revealed the essential role of the Employer. The most credible source of information comes from employer communications, and 54% of employees want employers to update them about the virus every day.  Edelman

Leading Remote Workers: The Coronavirus’ Impact On Crisis Management (Forbes)

Lead Your Business Through the Coronavirus Crisis and Communicating Through the Coronavirus Crisis (Harvard Business Review)

Leadership, Resilience, and the COVID-19 Outbreak (BCG)

Mental Health


Recent study “Edelman Trust Barometer on COVID-19 revealed the essential role of the Employer. The most credible source of information comes from employer communications, and 54% of employees want employers to update them about the virus every day.  Edelman

Leading Remote Workers: The Coronavirus’ Impact On Crisis Management (Forbes)


From the Centers for Disease Control and Prevention (CDC)

Mental Health in the Workplace

Mental Health and Coping During COVID-19

Managing Anxiety & Stress

From the World Health Organization (WHO)

Mental Health Considerations during COVID-19 Outbreak

From International SOS

Top Tips for Building Mental Health Resilience during COVID-19

Other Resources

General Resources

Videos, online Training & Travel Updates

World Health Organization

CDC logo

Best Practices for Employers & Employees

Centers for Disease Control (CDC)

CORONAVIRUS Resource Center

Johns Hopkins University

Some information from the following sources:
The Council of Insurance Agents & Brokers
The Big i (Independent Insurance Agents of America)