Updated: Mar 30, 2020
Update on Coronavirus (COVID-19)
I'm writing to you because I share and appreciate your concerns about the new coronavirus (COVID-19). I want to assure you that the entire Lambent family stands with you at this time of uncertainty. Our top priority is the safety and health of our customers and associates. We've been carefully monitoring the situation on a daily basis and have assembled our Pandemic Planning Teams that are meeting regularly to monitor potential risks to you and our associates. How we're preparing We are following the guidance provided by our local health officials, federal agencies and the CDC. We've also taken preemptive measures to restrict business travel and provide our colleagues with best health practices. We already have plans and processes in place that enable us to conduct business 24/7 to ensure that your insurance needs continue to be met. Our technology enables many of our associates to work offsite if it becomes necessary to promote social distancing and ensure all insurance operations continue to run smoothly. Also, to help reduce the spread of the virus, we're reducing the number of face-to-face meetings and relying on video and voice conferencing. Ensuring the safety of our customers and associates In our office, we're taking steps to disinfect public spaces and are providing hand sanitizer for customers and associates. Our associates will have access to gloves and other preventive measures as needed. Most importantly, we have instructed our associates to stay home if they don't feel well. While we love seeing our customers in our office, we also want you to take care of your health and well-being. If you aren't feeling well, please know Lambent offers digital insurance capabilities - such as online and a mobile app - which provides 24/7 services. For more information, please see the information below that provides additional information and direction to resources to better enable you to make informed decisions regarding your business.
We're in this together We will continue to monitor the situation hourly and are fully prepared to take the necessary steps to ensure the safest possible environment for our colleagues and customers. We are committed to providing you with timely updates regarding our response to this situation and we thank you for your trust and confidence in Lambent. Sincerely,
Shirley Evans-Wofford President & CEO
Action Plan for Businesses regarding the Coronavirus
What is it the Coronavirus?
The 2019 novel coronavirus (“COVID-19” or “coronavirus”) is caused by a member of the coronavirus family that is a close cousin to the SARS and MERS viruses that have caused outbreaks in the past. Symptoms of COVID-19 include fever, runny nose, cough and trouble breathing. Most people develop only mild symptoms. But some, usually people with other medical complications, develop more severe symptoms, including pneumonia, which can be fatal. The incubation period for COVID-19 is from two to 14 days.
How does it spread?
According to the CDC, the virus is thought to spread mainly from person to person, between people who are in close contact with one another (within about six feet) or through respiratory droplets produced when an infected person coughs or sneezes. These droplets can land in the mouths or noses of people who are nearby, or possibly be inhaled into the lungs. It may also be possible for a person to contract COVID-19 by touching a surface or object that has been contaminated with the virus and then touching his or her own mouth, nose, or eyes, but this is not thought to be the main way the virus spreads.
How do you prevent the disease from spreading at the workplace?
1. Establish a written policy and response plan that covers communicable diseases readily transmitted into the workplace
2. Employers can require employees to stay home if they have signs or symptoms
3. Avoid having employees travel to high risk areas
4. When possible, allow employees to work remote when affective, requiring medical documentation when they are ready to return work.
5. Encourage employees to frequently wash hand, use hand sanitizers
6. If possible, have employees work remote
7. Frequently sanitized and clean surfaces used by employees
What about my business?
Review your compensation/benefit polices and consult with legal counsel before making any decision regarding employment practices related to this outbreak. Employees who refuse to come to work because of the virus could be considered protected under the National Labor Relations ACT
Implement and enforces processes to keep contractors and customers safe. Liability claims may still be presented therefore report them to your carrier or third-party administrator immediately
Any incident of employees contracting the coronavirus at work are recordable illnesses. While the common colds and the flu in the workplace considered exempt. Any report presented to you should be reported to your carrier or third-party administrator. The employee would need to present medical supporting his/or diagnosis and the claim would still need to be fully investigated.
Traditionally, property and casualty policies could provide limited coverage for this type of event including workers compensation, property and casualty and business interruptions if certain conditions are met. This is a new situation and insurance markets are reviewing all current policies. How they will respond to claims may evolve from what we know if today. More information will follow.
Business Continuity Plan (BCP)
Finally, proactively assess the financial impact to your business. A business continuity plan is a living document that outlines the procedures an organization should adhere to in the event of a major disruption or disasters. It can help protect the business’s assets and employees, as well as allow the business to remain competitive after a difficult event. This plan should address questions such as:
· Have any risks or hazards changed?
· Have you added new products, services or employees?
· Have any primary contacts or suppliers changed?
· Are tools and software up to date?
· Do the details in your current BCP match your current operations?
· Are documents attached and updated?
· Have you added lessons learned from previous incidents?
· Have you reviewed your current insurance coverage with your Lambent Account Manager?
If you a small business and don’t have a BCP. Contact Lambent for assistance.
Please see our website for Guidance on Preparing the Workplaces for COVID -19 and Business Pandemic Influenza Planning Checklist. Contact Lambent with your questions.
Center for Disease Control: www.pandemicflu.gov
Business Pandemic Influenza Planning Checklist: https://disastersafety.org/business-protection/ofb-ez/
World Health Organization: www.who.int
National Labor Relations Act https://www.nlrb.gov/how-we-work/national-labor-relations-act
Occupational Safety and Health Administration: www.osha.gov
Open for Business, tools to help create a business continuity plan:https://www.ready.gov/