NAVIGATING COVID-19: What’s Relevant

Denise Gillin News

As we navigate information surrounding COVID-19, most important is finding what’s relevant today. Your Murray team is here to provide you with information related to COVID-19 from our areas of expertise as well as to help you find information best delivered by other credible sources. We will continue to post relevant information on this blog.  Our current clients can log into Succeed and the Risk Control Toolbox for more information and, of course, we encourage you to call or e-mail your Murray consultant with your specific questions. For more information, check out these resources: For Business Planning CDC Interim Guidance for Businesses & Employers to Plan and respond to Coronavirus Disease 2019 (COVID-19) Feb. 2020 – https://www.cdc.gov/coronavirus/2019-ncov/specific-groups/guidance-business-response.html?CDC_AA_refVal=https%3A%2F%2Fwww.cdc.gov%2Fcoronavirus%2F2019-ncov%2Fguidance-business-response.html For Travel Risk …

Considerations for a Remote Workforce

Denise Gillin Human Resources, News

By Hannah Lopez, MBA, SHRM-CP, Human Resource Consultant In recent years, more businesses have been shifting towards a more remote workforce. The advent of the coronavirus pandemic has only accelerated this trend. Many businesses are now giving serious consideration to continuing remote opportunities for their employees even after the COVID-19 pandemic ends. The link below covers the pros and cons of remote work, as well as other considerations every company needs to process before making these changes permanent. Pro and Con Considerations for a Remote Workforce Contact Hannah at 717.205.5117 to further discuss.

COVID-19: Pennsylvania Phased Return-to-Work for Business

Denise Gillin News, Risk Management

By Timothy W. Braun, Risk Control Specialist As Pennsylvania continues efforts to return to normal, it is critical to be aware of the landscape of orders, laws, regulations, and best practices in order to avoid illness, liability, loss and compliance issues with local, state, or federal government. Failure to follow rules or guidelines could expose individuals or entities to illnesses, fines, lawsuits, insurance claims, harm to reputation, or other adverse outcomes. Being aware of, and adhering to, requirements, recommendations, and other best practices is important. Read the Safety Practices and Protections for the Phased Return-to-Work for businesses: RC Phased Return to Work for Business The situation regarding COVID-19 is changing rapidly, along with guidance and recommended actions. Be sure to …

Insurance Impact of Early Reopening Or Move to “Yellow” Phase

Denise Gillin Insurance, News

May 15, 2020   To Our Clients: Several counties in Pennsylvania are considering reopening early or shifting to a “yellow” phase ahead of Governor Wolf’s COVID-19 timeline.  Regardless of whether we agree or disagree with such a decision, it is important for you to be aware of potential insurance implications should you choose to reopen ahead of the Governor’s order. Governor Wolf and the Pennsylvania Insurance Department recently made several public statements regarding provisions in many types of insurance policies that could exclude coverage for businesses or individuals “engaging in illegal acts or conduct”.  We believe that most policyholders recognize that insurance, in general, does not provide coverage for illegal or criminal acts, regardless of the current COVID-19 pandemic or …

PCRB Update to PA WC Manual Due to COVID-19

Denise Gillin Insurance, News

On May 5, 2020, the Pennsylvania Compensation Rating Bureau released an update to the Pennsylvania Workers’ Compensation Manual, specifically to address issues related to the COVID-19 pandemic.  The new provisions have been approved by the Insurance Commissioner, and will apply from April 1, 2020, or later for policies in force on March 1, 2020, through December 31, 2020. Following is a summary of the changes as presented and what they may mean for PA employers. Allocation of Payroll The COVID19 Coronavirus Exception allows for temporary reclassification of payroll for employees working from home to Code 953 – Clerical Office during laws or regulations issued due to COVID-19, if separate, accurate and verifiable records are kept. Once normal operations resume, appropriate …

American Industrial Hygiene Association – Going Back to Work Safely

Denise Gillin Insurance, News

The American Industrial Hygiene Association put out the following re-opening guides: At Home Service Providers: AIHA Reopening-Guidance-for-At-Home-Service-Providers_CoVid 19 GuidanceDocument May 2020 General Office Setting: AIHA Reopening-Guidance-for-General-Office-Settings_CoVid 2020 GuidanceDocument 06 May 2020 Rideshare – Taxi, Limo, and Other Passenger Drivers for Hire: AIHA Returning-to-Work-Rideshare-Taxi-Limo-and-other-Passenger-Drivers-for-Hire_CoVid 19 GuidanceDocument 06 My 2020 Retail Industry: AIHA Reopening-Guidance-for-the-Retail-Industry_CoVid 19 GuidanceDocument 06 May 2020 Restaurant Industry: AIHA Reopening-Guidance-for-the-Restaurant-Industry_CoVid 19 GuidanceDocument 06 May 2020 Construction Environments: AIHA Returning-to-Work-Construction-Environments_CoVid 19 GuidanceDocument 06 May 2020 Gyms and Workout Facilities: AIHA Reopening-Guidance-for-Gyms-and-Workout-Facilitiess_CoVid 19 GuidanceDocument 06 May 2020 Hair and Nail Salons: AIHA Reopening-Guidance-for-Hair-and-Nail-Salons_CoVid 19 GuidanceDocument 06 May 2020 Contact your Murray representative at 717.397.9600 for further assistance.  

SBA Accepting New Economic Injury Disaster Loan Applications

Denise Gillin Agribusiness, News

Shared from the Small Business Administration Website: The Small Business Administration (SBA) will begin accepting new Economic Injury Disaster Loan (EIDL) and EIDL Advance applications on a limited basis only to provide relief to U.S. agricultural businesses. The new eligibility is made possible as a result of the latest round of funds appropriated by Congress in response to the COVID-19 pandemic. Agricultural businesses include those businesses engaged in the production of food and fiber, ranching, and raising of livestock, aquaculture, and all other farming and agricultural related industries as defined in Section 18(b) of the Small Business Act, 15 U.S.C. 647(b). The SBA is encouraging all eligible agricultural businesses with 500 or fewer employees wishing to apply to begin preparing …

HR Reopening Considerations During COVID-19

Denise Gillin Human Resources, News

By Hannah Lopez, MBA, SHRM-CP, Human Resource Consultant As companies begin to ramp up operations and bring staff back to work, Hannah has some suggestions for your consideration.   HR Reopening Considerations During COVID-19 To further discuss, contact Hannah at 717.205.5117 or email her.

COVID-19 in Pennsylvania: Construction Return-to-Work

Denise Gillin News, Risk Management

By Timothy W. Braun, Risk Control Specialist On May 1, 2020, construction operations in Pennsylvania will be allowed to resume following mandated closure in March. On April 15, 2020, the State issued orders requiring certain practices and protections be implemented at places of business remaining open under the original stay-at-home order. These requirements still apply in addition to requirements related to construction work resuming on May 1. Read the construction return-to-work requirements. Contact Tim at 717.224.1835 or tbraun@murrayins.com.

Liability Immunity Offered by PREP Act

Denise Gillin Business Insurance, News

By Amy G. Mitchell, CIC, CISR, Vice President, Commercial Solutions Are you manufacturing products to support the COVID-19 solution? Respirators, face shields, face masks, etc. You may be eligible for Liability Immunity offered by the PREP Act that was made effective February 4, 2020, by the Department of Health & Human Services for products used for COVID-19. “The PREP Act authorizes the Secretary to issue a declaration to provide liability immunity to certain individuals and entities (covered persons) against any claim of loss caused by, arising out of, relating to, or resulting from the manufacture, distribution, administration, or use of medical countermeasures (covered countermeasures). Under the March 10, 2020, declaration, covered countermeasures are any antiviral, any other drug, any biologic, …

Close up of a mobile phone with Coronavirus covid-19 news update. There is a patient information form in the background on the desk. The phone is being held and has an image of hand washing hygiene. (Close up of a mobile phone with Coronavirus covid-

Health Insurance Options for You and Your Family

Denise Gillin Health Benefits, Medicare, News

By Tony Montgomery, Assistant Vice President, Senior Plan Advisor In today’s uncertain times, you may be unexpectedly looking for health insurance for you and your family.  Whether you are losing your current insurance due to loss of employment or having hours reduced to where you no longer qualify for insurance through your employer, or are making a job change or looking to retire, there are a few options for healthcare coverage for you and your family. The first option is through the government Marketplace or Obamacare. These plans are normally available only during the open enrollment period of November 1 – December 15. However, if you are losing your current insurance, you may be eligible for a Special Election Period …