As this is a continually evolving situation, you should consult your local and state health agency for the latest information in your community. If you wish to discuss your risk management plan or your insurance coverage, please get in touch with your Fred C. Church representative.

As more information unfolds, we will be updating this page.

Coronavirus and the Health Impact on Your Workforce

In addition to the ramifications to your property and casualty insurance concerns, employers should be prepared to address the human capital concerns due to the COVID-19 outbreak.

While the situation remains fluid, we wanted to recommend a few steps that employers should be taking now to ensure they are prepared:

  1. Develop (or review) business contingency plans
  2. Review time off policies
  3. Determine telecommuting capabilities
  4. Keep workforce informed- create a corporate strategy and message to share with staff
  5. Remind employees about proper hygiene (Handwashing) and share ways they can help prevent the spread of COVID19 (Prevent the Spread, Safety While Traveling)
  6. Provide resources for employees and their family members who may be stressed about the current state of affairs – offer Employee Assistance Plan information and/or available mental health benefits

The Centers for Disease Control and Prevention (CDC) and the World Health Organization (WHO) are providing new information rapidly. Below are links to some essential topics for employers to know and that you can share with your employees.



The Coronavirus outbreak, officially titled COVID-19, is a new and continuously developing situation that all businesses need to be paying extremely close attention to. As your risk resource, the team at Fred C. Church has been doing just that. We have been in constant contact with our insurance carriers to monitor the Property and Casualty Insurance response on your behalf.

In particular, we are monitoring several COVID-19 related scenarios that could lead to claims under your Property, Workers’ Compensation, General Liability, Pollution, Directors & Officers, and Travel Insurance coverage, amongst others.

As with any unanticipated event, each scenario is as unique as the businesses being affected, as are all coverage forms. So, currently, there are no absolute answers to the many questions we are fielding about insurance. Although the carriers are as engaged as we are in providing you the solutions you need, most will not offer answers to “hypothetical” or “possible” claim situations. However, should you have a claim you would like to file, the team at Fred C. Church is ready to present all claims and will advocate tirelessly on your behalf.

Fred C. Church will continue to monitor the situation and will provide our clients with updates as they become available in the days and weeks to come.

What should you do to protect your business and your employees?

Although the Centers for Disease Control and Prevention (CDC) believes the current risk to the American public is low, there is much you can and should do concerning Risk Management and Business Continuity Planning. Preparation to protect yourself, your organization, and your employees include:

  • Develop or review your internal procedures related to sick employees or those returning from travel to high-risk areas.
  • Review all employee or student travel plans and restrict all non-essential trips to Level 3 affected destinations.
  • Discuss measures to prevent outbreaks at your organization:
    • Encourage actively sick employees to stay home
    • Separate sick employees
    • Emphasize proper respiratory etiquette and hand hygiene by all employees
    • Perform routine environmental cleaning
    • Ask employees to inform you if they have a sick family member at home or have been exposed to COVID-19
  • Have a plan for how you will continue operations or minimize disruptions if you are forced to close due to an outbreak at one of your locations or in your general area.

Being proactive and having a plan in place will not only help your organization weather any outbreak-related storm, but it will also provide comfort to your staff. After all, they will be looking to you for guidance and support if a community outbreak were to take place.

Helpful Resources

There are many great resources available regarding COVID-19. However, the Fred C. Church team has found the following links to be especially useful.

Centers for Disease Control (CDC):

World Health Organization

Johns Hopkins | Whiting School of Engineering

Occupational Safety and Health Administration (OSHA)

Be sure to visit the Fred C. Church COVID-19 Resource Hub where you can find more information about common commercial insurance coverages and how they may respond to a business loss, unique business risks associated with the pandemic, COVID-19-related employee benefits considerations, and other helpful resources.

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