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Globally, every business is facing a new landscape. Even businesses that operated remotely before Covid are adapting. In many cases, a new business plan is necessary to keep serving your customers under new conditions. Local businesses are figuring out no-contact and delivery services. E-commerce and remote services are helping customers adapt to their individual circumstances.
Many businesses need new equipment to make the new business plan happen, such as pavilions, sneeze guards, new service stations, and more. Today, we are highlighting several of the most common types of equipment utilized by businesses to adapt to Covid.
Many offices have asked employees to work from home. Work that can be done remotely through an online server allows your team to work from home safely. But they might not all have the equipment or internet access needed. Your company may need to send laptops, tablets, phones, and hotspots to the now out-of-office team.
Local businesses have altered their services for curbside and drive-thru alternatives. Customers still drive to the store, but they stay isolated inside their cars or remain outside. Your team still needs supplies such as pavilions, chairs, fans, and coolers to stay safe under the summer sun. You will likely also need cones or new parking lot dividers to direct traffic and to provide your new no-contact style of service to local customers.
If you have people in the workplace, consider sanitizing stations. These are places around the facility with sanitizer dispensers – motion-detection is best. Sanitizing stations make it easy for everyone to keep their hands clean and to grab a little solution for quick surface cleaning. Lotion should be placed next to sanitizing stations because cracked hands are the unfortunate result of constant hand washing.
These stations will take some investment, and will need to be spaced reasonably for every workspace and possibly for individual work stations.
If you are inviting customers back into your facility, they will need to be kept carefully distant from each other. That takes infrastructure. From the fanciest restaurants to the most practical warehouse stores, there are a few essentials that every open-to-the-public facility will need. Plexiglass barriers can go anywhere that people need to speak face-to-face. Service counters are the natural place, but you may also install barriers at workstations and study tables. Restaurants might consider individual guards hanging over tables so guests can eat and talk mask-free.
Distancing markers are another must-have. Many companies sell pre-made markers, but handmade signs and tape work as well.
In many facilities, you will want special stations to quickly disinfect products or equipment between use. You might need dunking sinks, misting booths, or rolling sanitizer stations. From manufacturing to food prep, disinfecting stations are custom to your business needs and are the type of equipment necessary to the new normal.
Infrastructure to Clear the Air
We know that breath and surfaces are dangerous, but so is airborne COVID particles. COVID can hang in the air for up to 3 hours, so if you need a space to change out between unmasked guests – as in hospitality space – there are a few methods available. Localized powerful air purifiers suck air into their filters and emit clean air. With medical-grade filters, you can filter out the COVID. Misting systems with disinfectant can also be helpful to quickly clear most of the COVID particles hanging in the air.
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Make sure your business and equipment are covered. We’re here to help, contact usto review your insurance needs.
No matter where you are or what you’re doing, mindfulness and gratitude involves choosing a state of being. From deadlines to difficult customers and employees, it’s often difficult to maintain this state of being while running a business. Let’s explore how to nurture and express mindfulness and gratitude for work.
Your perspective is key to better cultivating and expressing mindfulness and gratitude. Start with taking a good inward look at yourself and how you view your business and work environment. Do you expect things to go smoothly? Do you regard your employees and clients as good people?
Even if you have very challenging employees, approaching them from a negative perspective will only increase negativity on all sides. If you consider who they are and what they’ve experienced throughout their lives from an empathetic perspective, you can shift your mindset from reactive to understanding. Sometimes all people need is a kind word or a little offer of help.
It’s also crucial to view your business in the most positive light. By focusing your perspective on the best aspects of your business and the things you enjoy about it, you will get closer to being mindful and grateful in the moment.
Mindfulness and gratitude isn’t just about positive thinking and perspectives. It goes deeper into our psyches, shaping how we see ourselves and how we make decisions. Some of the biggest sources of angst in the workplace involve stressful communications and making crucial decisions quickly.
In order to increase your confidence in communication and decision-making, it’s important to come from a place of behavior and action that aligns with your values and goals. Consider what is most valuable about your business and employees, as well as your position.
Is your primary value based on customer service, efficiency, teamwork, leadership, or? If leadership is at the top of the list for your value as a business owner, then focus your decision-making on aspects that improve employee confidence in your leadership. Focus on core values helps create a state of mindfulness and gratitude for your business, from the inside-out.
When you’re distracted by or preoccupied with things at home, workplace drama, relationship issues, social media, or any number of things, it can interfere with your ability to express mindfulness and gratitude. When you’re running your business, your mind should be primarily focused on work and business tasks.
In order to get into a balanced state of mind for your business, consider taking a moment to close your eyes and breathe deeply before you begin business tasks. If your mind starts to wander, take a few moments throughout the day as needed to calm and refocus.
Accepting yourself, the people you work with, and your position is an important step in expressing gratitude. Acceptance of self is the first vital step for feeling grateful. While acceptance of self is a lifelong psychological process, it’s not always obvious that certain business circumstances can trigger past feelings of inadequacy and low self-esteem.
When employees or clients say something you disagree with, you might feel defensive, which then leads to a state of frustration that is not conducive to being mindful and grateful. When you feel defense mechanisms arising, take a few moments to center and re-balance yourself, then begin your next sentence with words of acknowledgement. When you accept and value the different perspectives qualities of other people, it’s also easier to recognize what you truly have to offer them.
Being mindful and grateful doesn’t suddenly start or stop when you work, and creating a safe, secure business is one of the best ways to develop this state of being in all areas of your life. For more information about business growth and peace of mind, contact us today.
Workers’ compensation benefits provide employees with protection for work-related injuries and illnesses. In most states, workers’ compensation insurance is required by law.
COVID-19 exposure is a new concern in the workers’ compensation realm, and it is not always clear if employees who contract Covid-19 are entitled to workers’ compensation benefits. The answer depends on the state where you are located, the line of work you are in, and how it was contracted.
Each state has its own policies regarding COVID-19 and workers’ compensation coverage. Generally, workers’ compensation benefits pay for medical care necessitated by a work-related injury or illness and pays a portion of an employee’s regular work wages while the worker is out.
In most cases, work-related injuries are easier to assess than work-related illness. Work-related injuries include burns, cuts, strains, sprains, repetitive motion conditions, broken bones, and the like. Workers’ compensation benefits cover a broad range of such injuries and most cases receive approval if a medical professional confirms the injury.
Occupational illnesses are those that result from exposure to working conditions. They often include lung disease, respiratory illness, and cancer. The important factor is whether the illness results from work duties or exposure at work. For example, if you work in a coal mine and develop black lung, it is highly likely the condition is work-related.
However, it is often difficult to prove that a common illness, such as Covid-19, the flu or a cold, resulted from exposure at work.
Many jurisdictions are extending workers’ compensation coverage to include workers whose essential job function requires exposure to COVID-19.
For example, under New Jersey law an “essential employee” who contracts Covid-19 is presumed to be entitled to workers’ compensation benefits. This means that in New Jersey, essential employees like hospital workers, public safety officers, and grocery store workers are usually entitled to workers’ compensation benefits if they contract the virus.
If an employee is not an essential worker or lives in a state without a law like the one in New Jersey, then the employee may need to prove they contracted the virus in the course of their employment before workers’ compensation coverage will apply.
To stay compliant with the law most businesses need workers’ compensation coverage. InsureYourCompany.com assists businesses in their search for the most affordable and suitable insurance policies. We have been in business for nearly 20 years and have helped thousands of businesses.
Whether you are a new business or looking to reduce your premiums, contact us with your questions about workers’ compensation. We will explain the benefits your business needs and provide a free no-obligation quote.
During the fall season we had the opportunity to get to know our agents with our, “Meet the Agent” series. Getting to know your agent on a personal level can really help with the insurance process. Did you know that your agent Joe played NCAA Division III soccer in college? Or that your renewal agent Debbie prefers long walks over bike rides? Do you share an interest with one of our agents? Feel free to reach out and let us know what you enjoy. Go ahead and learn a bit about our agents with our Meet the Agent series below!
Debbie is a licensed Health and Life insurance agent and has been a member of the insureyourcompany.com team since 2015. For the past 2 years she has been working as a Benefits Manager specializing in ancillary and small group health benefits. Debbie prides herself in making the yearly renewal process as smooth as possible for her clients. In her free time, Debbie enjoys spending time with her family, baking, crafting, and completing Sudoku puzzles.
Joe is a licensed property and casualty insurance producer and has been with InsureYourCompany.com since 2017. He is a small business insurance expert, helping new companies get the insurance they need so they can be properly protected. In his spare time, Joe enjoys soccer, watching sports, and hanging out with friends and family.
COVID-19 has put a lot of small business owners, the self-employed, and freelancers in a difficult situation. Many have found their income has dropped or eliminated completely. So, can a small business or freelancer that is a single member LLC file for unemployment? The quick answer is yes but there are some things to keep in mind. Let’s look at some of them below.
First, let’s go over some basics of unemployment and why you can apply for it. If you have paid into unemployment through taxes taken out of your salary you likely meet the basic requirement for unemployment. Remember, most small business owners pay themselves as employees of their own business. As a result, you pay taxes and part of that goes into unemployment.
If your small business is organized differently or you cannot show that you paid into unemployment, you might run into some issues. For example, sole proprietorships are unable to collect on unemployment because they don’t pay unemployment taxes. Let’s look into the CARES act a bit and see how that could affect you.
The Coronavirus Aid, Relief, and Economic Security Act affected many small business owners, gig workers, freelancers by providing an extra $600 on top of the normal unemployment state benefit. That benefit has expired, though some states still offer enhanced benefits and there is hope that Congress will pass another relief measure.
One of the requirements of being on unemployment is being able to take a job if it comes along. You also need to show lost legitimate work – This means you cannot fire yourself just to collect unemployment. You must also file for each week that you are on unemployment and have to actively seek employment.
Most small businesses easily meet this requirement. If you are actively looking to get your business back up and running you will likely qualify. However, you could find yourself in a position where you have to take a job, even if it’s a low paying one, just to be compliant with unemployment. Use common sense and be honest when it looks like your business might pick up again.
The last thing that you need to worry about when filing for unemployment is any kind of liability. It can be a very scary thought when you are a small business owner. InsureYourCompany.com has insurance solutions for professional liability issues, workers compensation needs, and employment practices liability. You owe it to yourself to protect your small business so you can focus on navigating the ever-changing market.
To review your company’s needs and find out what coverage is right for you, click here to get started with a professional.
*This article is for general information purposes only. We are insurance professionals. We are not accountants, lawyers, or financial planners.
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