COVID-19 TIPS AND LOCAL BUSINESS RESOURCES

 

With the corona-virus crisis, we are all experiencing a noticeable, impacting change in our communities and in our workplaces and Consultative Insurance Group is committed to providing the best possible service to our clients and staff in the interim. Over the next few days and beyond, we will provide resources and updates related to businesses for both Ohio and South Carolina on this page. 

(DISCLAIMER: Keep in mind, we will continue to remain a helpful community resource, particularly during this time, but this page should not be relied upon as an authority for COVID-19 information and precautions. Please review guidance from government organizations and your medical professionals as events unfold.)

COVID-19 Prevention Reminders.

15 Day Pause and Our Future

Update: 3/23/2020

In Ohio, all non-essential businesses are ordered closed. 

Insurance is deemed essential, and though our physical office locations are closed, our entire team is working remotely and are available during our normal business hours:  Monday - Thursday, 9:00 A.M. to 5:30 P.M. and Friday, 9:00 A.M. to 5:00 P.M. We are available via telephone or email only.  Please visit Our team or call 1.800.886.0305.

  • Small businesses and nonprofits in Ohio may apply for low-interest, long-term loans of up to $2 million through the

    SBA’s Economic Injury Disaster Loan program to pay fixed debts, payroll, accounts payable and other bills that can’t

    be paid because of the disaster’s impact. Loan applications can be completed online at disasterloan.sba.gov or

    applicants can obtain a paper application by calling 1-800-659-2955. Additionally, a checklist for businesses and

    employers is HERE.

In South Carolina, DHEC provides important updated message about Retail Food Service Restrictions on restaurants and bars.  Click here for viewing the most up-to-date information. 


Update:  3/19/2020

United Way COVID-19 Community Economic Relief Fund

There have been shared posts via Facebook about this Relief Fund, with a telephone number.  The number 1-866-211-9966 is ONLY for Indianapolis.  If you want to know more or find out who you need to contact to either donate or receive, please click here. 



Frequently Asked Question:

Is there any coverage to cover lost profits during this Federal and/or State mandated closing?

There is no Business Income or Business Interruption coverage available during this virus unless the law is changed. 

 

Unemployment Resources


Ohio:


http://jfs.ohio.gov/ouio/CoronavirusAndUI.stm?fbclid=IwAR0K0nSo_D2BT2tATVrgz4cL9ZmxdgKfXjbFuPd93i0N7cDGUUL5s3LW6E4

South Carolina:

https://dew.sc.gov/individuals/apply-for-benefits

 

Government help on small business (we will get details out when they are provided)

The U. S. Small Business Administration is offering designated low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19). Upon a request received from a state’s or territory’s Governor, SBA will issue under its own authority, as provided by the Coronavirus Preparedness and Response Supplemental Appropriations Act that was recently signed by the President, an Economic Injury Disaster Loan declaration.

 

  • Any such Economic Injury Disaster Loan assistance declaration issued by the SBA makes loans available to small businesses and private, non-profit organizations in designated areas of a state or territory to help alleviate economic injury caused by the Coronavirus (COVID-19).

 

  • SBA’s Office of Disaster Assistance will coordinate with the state’s or territory’s Governor to submit the request for Economic Injury Disaster Loan assistance.

 

  • Once a declaration is made for designated areas within a state, the information on the application process for Economic Injury Disaster Loan assistance will be made available to all affected communities as well as updated on our website: SBA.gov/disaster.

 

  • SBA’s Economic Injury Disaster Loans offer up to $2 million in assistance and can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing.

 

  • These loans may be used to pay fixed debts, payroll, accounts payable and other bills that can’t be paid because of the disaster’s impact. The interest rate is 3.75% for small businesses. The interest rate for non-profits is 2.75%.

 

  • SBA offers loans with long-term repayments in order to keep payments affordable, up to a maximum of 30 years. Terms are determined on a case-by-case basis, based upon each borrower’s ability to repay.

 

  • SBA’s Economic Injury Disaster Loans are just one piece of the expanded focus of the federal government’s coordinated response, and the SBA is strongly committed to providing the most effective and customer-focused response possible.

 

  • For additional information, please contact the SBA disaster assistance customer service center. Call 1-800-659-2955 (TTY: 1-800-877-8339) or e-mail disastercustomerservice@sba.gov.

 

• To apply for funding here is the link. https://www.sba.gov/funding-programs/disaster-assistance. Some states have not yet been enabled but are in the process.

Ohio:

https://www.cnn.com/2020/03/13/politics/coronavirus-relief-congress/index.html

South Carolina:

https://scemd.org/stay-informed/business-operations/


Bartender help

https://www.usbgfoundation.org/beap


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