COVID-19 Resources for IIAG Members
The news about the COVID-19 coronavirus is in constant update, and at this point the impact is spreading. From cancelled events, business interruption, gossip and fear, and—at its worst—illness, your customers, agency, and family will feel its effects. But there's no need to panic. Information is power, and we're curating some of the best resources to help you plan and maintain your well-earned position as the trusted source for your customers.
IIAG remains open for business and fully functional. We will continue to be available to our members when you call or email. We are part of your team, and we will always have your back through successes and challenges—like this coronavirus outbreak.
We've put together several resources to walk you through how this affects you:
COVID-19 Business Resources
SB 359 provides critical business liability protections, including specifications for notice signage that reduces your agency and client COVID-19 liability exposure. IIAG has created sign templates you can print and display. These templates can also be provided to business clients as a valuable client outreach opportunity.
SB 359 says that no healthcare facility, healthcare provider, entity, or individual, shall be held liable for damages in an action involving a COVID-19 liability claim unless the claimant proves that the actions of the healthcare facility, healthcare provider, entity, or individual, showed: gross negligence, willful and wanton misconduct, reckless infliction of harm, or intentional infliction of harm. This raises the standard of care from negligence to gross negligence and will help prevent frivolous COVID-19 related lawsuits.
Additionally, the bill creates a rebuttable presumption of the assumption of risk if a business displays a sign in at least one-inch Arial font placed apart from any other text, a written warning stating the following:
Warning: Under Georgia law, there is no liability for an injury or death of an individual entering these premises if such injury or death results from the inherent risks of contracting COVID-19. You are assuming this risk by entering these premises.
IIAG has created sign templates you can print and display in the entrance to your agency. These templates can also be provided to business clients to increase their legal liability protection and can serve as a valuable client outreach opportunity.
Please use the page settings and paper sizes specified above to print in compliance with the 1" letter height requirement. Letters should be measured to ensure minimum 1" height. Template can be printed at local print shops. This template does not guarantee legal compliance. Please consult legal counsel for compliance and legal guidance.
- IIAG's Resources for Employers Seeking to Reopen Workplaces
- ACT Disaster Planning Toolkit
- Affinity HR Video: Common HR Concerns & Tips on Reopening During COVID-19
- Affinity HR Video: How To Reopen Your Business in COVID-19
- Affinity HR Plan for COVID-19
- Affinity HR COVID-19 Workplace Checklist
- Association Health Plan for Your Agency
- Cybersecurity Threats and How To Stay Safe During the COVID19 Pandemic
- The Impact of COVID-19 on Independent Agencies Podcast
- How the Insurance Industry Can Help With the Coronavirus Pandemic
- 19 Acts of Kindness for Your Agents to be a Positive Influence in the Community
The Coronavirus Aid, Relief, and Economic Security (CARES) Act has numerous provisions that impact Big “I” members, businesses both large and small, and individuals. The legislation focuses on four urgent priorities: delivering aid to small businesses to avoid insolvencies and to keep paychecks flowing, providing recovery checks and unemployment insurance directly to the American people, appropriating additional funding and resources for the healthcare fight against COVID-19, and stabilizing key industries to prevent mass layoffs.
- Big "I" Members & Their Clients - How the CARES Act Impacts You
- Cares Flow Chart
- Cares Act Analysis
- Small Business Owners Guide to CARES Act
- CARES Act Funding Options - SBA Website:
The Families First Coronavirus Response Act or FFCRA requires certain employers to provide employees with paid sick leave or expanded family and medical leave for specified reasons related to COVID-19. The Department of Labor’s (Department) Wage and Hour Division (WHD) administers and enforces the new law’s paid leave requirements. These provisions will apply from the effective date through December 31, 2020.
- Families First Act Site
- FFCRA DOL Site
- Webinar - FCCRA & Cares Act from Affinity HR
- Families First Coronavirus Response Act Analysis
- Coronavirus and Sick Leave
- FFCRA Employee Notice - One of the requirements of the FFCRA is that employers covered by this Act (those with fewer than 500 employees) post this notice of employee rights under the Act with federal wage and hour posters or electronically distributed to all employees.
The Covid-19 Business and Community Continuity and Recovery Fund (the "Recovery Fund") is modeled after a streamlined version of the 9/11 Victims Compensation Fund legislation, with important distinctions designed to simplify the application process and speed payment to COVID-19 impaired business, while reducing the potential for fraud. This is another tool to provide tailored federal assistance to keep businesses solvent and workers employed. The Recovery Fund would leverage private sector contractors, and potentially insurers and producers on a voluntary basis, to facilitate both expedited applications and interim payments as well as auditing ongoing relief.
- Big "I" Hires Webinar On-Demand: Your Agency and Telework - Do's, Don'ts, and Practical Advice
- WAHVE Remote Work Resources for IIAG Members
- ACT Resource - Work From Home Best Practices
- Memo Temporary Telecommuting Arrangements.docx
- Harvard Business Review: 15 Questions About Remote Work, Answered
- Forbes: How Coronavirus is Creating a Watershed Moment for Remote Work
COVID-19 Industry Essentials
- Coronavirus: Auto Exposures & Food Delivery Webinar On-Demand
- Coronavirus & Auto Exposure Article
- Coronavirus: Does Business Income Respond? Webinar On-Demand
- Commercial Property and Vacancy Concerns
- COVID-19 - Vacancy Provisions.docx
- Sample Letter for Commercial Clients Regarding Coronavirus (3-17-2020)
- E&O Risk Management - COVID-19 Best Practices Webinar - Click here to register. Webinar is available on Tuesdays and Thursdays at 3:00 p.m.
- E&O Risk Management and the Coronavirus (3-17-2020)
- Summary of What IIAG Members Need to Know About COVID-19.pdf
- Why Agencies Should Not Deny Claims on Carrier's Behalf (3-23-2020)
- How Agents Should Respond if Carrier Continues to Push for the Agency to Deny Claims (3-25-2020)
COVID-19 In Georgia
The Georgia Department of Insurance has released bulletins and directives related to the Coronavirus crisis that are accessible to the public on the DOI Website. For the convenience of our members, pertinent information is listed here. For the most complete list of directives and the most current information, visit the DOI site.
- GA DOI Bulletin 20-EX-6 Waiving of In-Person Continuing Education Requirements (3-31-2020)
- GA DOI Bulletin 20-EX-4 Insurance As Essential Business (3-24-2020)
- King: Local Governments Should Consider Insurance Essential Business (3-24-2020)
- GA DOI Directive 20-EX-5 New Actions to Protect Consumers and Industry During Coronavirus (3-20-2020)
- IIAG's Directive 20-EX-5 FAQ Document
- GA DOI Directive 20-EX-4 Additional Action to Assist Individuals Impacted By Coronavirus (3-16-2020)
- GA DOI Directive 20-EX-3 - Business Interruption Insurance (3-9-2020)
- GA DOI March 17, 2020 Press Release
- Georgia Department of Economic Development explanation of requirements placed on businesses by Governor Kemp
- Governor Kemp, University of Georgia CARES Act Overview
- GA 2020 Executive Order - Shelter In Place - (4-2-2020)
- GA 2020 Executive Order - Clarification (4-3-2020)
- IIAG Covid-19 Essential Services Letter (3-20-2020)
- Georgia Department of Health
- Georgia Department of Labor
- IIABA Coronavirus Resource Page
- CDC FAQ's for Businesses and Workplaces
- CDC: Guidance for Businesses and Employers
- CDC: Guidance for Reopening & Cleaning the Workplace
- Equal Employment Opportunity Commission FAQ on Covid-19 and Employment Laws
- National Association of Insurance Commissioners
- OSHA Guidance on Preparing Workplaces for COVID-19.
- US Department of Labor
- US Department of Homeland Security - Critical Infrastructure Guidelines