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WHAT IS CORONAVIRUS COVID-19?

COVID-19 is the infectious disease caused by the most recently discovered coronavirus. This new virus and disease were unknown before the outbreak began in Wuhan, China, in December 2019.

CDC COVID-19 Fact Sheet

Our CEO's Commitment

SCM is committed to providing superior service and support to our clients and employees throughout the COVID-19 pandemic. We implemented our disaster plan and on March 17, our team had made a seamless transition to working-from-home.

The SCM Team has the tools and resources to deliver all necessary services to our clients at the same level of quality they expect. We also stand ready to answer questions and provide consultation.

We encourage you to engage with us – whether you are a customer or a business that is simply looking for assistance. Visit this page often for the latest information, updates and resources pertaining to the challenges surrounding the COVID-19 pandemic. You will also find contact information should you have any questions.

SCM is here for you, your employees and your business.

Very sincerely yours,

John Monroe
Chairman, President & CEO

BENEFITS

SullivanCurtisMornoe is committed to supporting our clients during this unprecedented global pandemic.  We compiled valuable information and resources provided by health insurance carriers, vendor partners, government and local organizations, as well as community resources to support you during this time.  Contact your SCM service team if you have questions and/or recommendations for additional resources.

Carrier Resources

HR Resources

US Dept of Labor: Families First Coronavirus Response Act: Employer Paid Leave Requirements

US Dept of Labor: FAQ’s on Emergency FMLA provisions: FAQ’s on Emergency FMLA Provisions

FFCRA Poster: Scroll to section ‘The Families First Coronavirus Response Act Posters’. Includes 2 posters – one for Federal Employees, one for all others

FFCRA Poster Q & A

Sheppard Mullin Richter & Hampton Employment Law: Coronavirus Insights & Latest Developments

Fisher & Phillips Employment Law: Comprehensive & Updated FAQ’s for Employers on COVID-19

Ogletree Deakins

ThinkHR Access: HR Resources, Hotline & Online Training (provided at no cost to SCM clients. Contact your SCM team for Access)

Business

Payment Questions

SCM stands ready to assist our clients in pursuing flexible payment options from our respective insurance companies. Many carriers and premium finance carriers have announced they will consider premium deferrals during this time and we are working with them to develop customized payment plans when needed. Contact your SCM team or email scmteam@sullicurt.com.

FIRST Insurance Funding: Flexibility & Payment Options for Insureds
Imperial Premium Finance: Cancellation Avoidance Tools
AFCO Insurance Premium Finance: Flexibility for Insureds in Challenging Times

Making Policy Changes

SCM is fully staffed and available to request needed changes to your policy. This includes mid-term exposure changes for auto fleets or payroll and revenue projections. Our goal is to help you through these difficult times, and we will work with our carrier partners to quickly process carrier-approved changes that can help reduce ongoing expenses. Contact your SCM team or email scmteam@sullicurt.com.

Carrier Resources

Allianz - Allianz offers multiple payment methods (direct checks, wire or ACH) for those challenged by an interruption to their business. To this end, Allianz will be suspending cancellations for non-payment until June 1, 2020, and will not be assessing late fees for premiums due on or before June 1, 2020. It is hoped that this grace period will give customers the breathing room they need to weather this crisis.

AmTrust - AmTrust Offers Payment Leniency for Clients Impacted by COVID-19

AXA XL - COVID-19 Claims

Berkshire Hathaway - Amendment of direct bill cancellation procedures – March 23

Chubb - Chubb will commence a voluntary 60-day hold on cancellation and nonrenewal notices

CompStar - CompStar is committed to being flexible in every way possible in order to assure that workers’ compensation clients are retained with Benchmark Insurance Company and that insureds are not cancelled for non-payment of premium. If a client is unable to make a payment, CompStar will consider allowing the payment to be deferred to audit time at policy expiration. They are willing to accept monthly payroll reports without a premium payment, and if this occurs, CompStar will contact clients to work out a plan for future payment. They will also consider waiving their deposit for both new and renewal accounts.

CompWest/Accident Fund (AF Group) - CompWest/Accident Fund will suspend all non-pay cancellation actions for 60 days, beginning Monday, March 23, 2020

CompWest/Accident Fund (AF Group) - AF Group’s Response to COVID-19

CRC Group - COVID-19 response: news, tools, intel, podcasts, videos

 

Hanover - The Hanover COVID-19 Response

HartfordThe Hartford Response to COVID-19

HartfordHartford COVID-19 Resource Center

ICW - ICW Non-payment cancellation moratorium for all policyholders

Liberty Mutual - Liberty Mutual is working with customers that have received recent notices of cancellation in March to push out the amount that is due and keep their policy in-force. That said, notices of cancellation will still go out as it is a system automated process. Considering that every case is unique, any customer who feels they have a claim are encouraged to contact the claims department at 844.325.2467 (844-3-CLAIMS).

Safety National - Safety National Statement on COVID-19 Support and Response

Sentry - Sentry will discuss specific situations and identify options for clients financially impacted by our nation’s efforts to reduce the spread of COVID-19, including discussing alternate billing arrangements. Contact your SCM account team for assistance. Sentry clients can stay connected by logging in at sentry.com

State Fund - State Fund COVID-19 Notice

Travelers - Travelers expands COVID-19 billing relief for customers

Risk Control/Safety

SCM’s Risk Control Services continues to provide 24/7 support to clients in all industries. If you have questions about safety, OSHA compliance or strategies for managing home workers, please contact SCM Risk Control Services. In addition we are providing links from government agencies and other reliable safety and health resources we have determined may be useful to your organizations leadership team at this time.

Workers' Comp

Our clients have lots of questions pertaining to workers’ comp and COVID-19. SCM’s Director of Risk Management Gina DiCiacca answers a few of them:

Important Information_WC FAQs Re Covid-19

A recent bulletin from WCIRB noted that the Workers’ Compensation Insurance Organizations (WCIO) have established a Catastrophe Number and added a Nature of Injury Code and a Cause of Injury Code to track claims involving a diagnosis of Coronavirus Disease – 2019 (COVID-19) with Accident Dates on or after December 1, 2019. For more information, download the WCIRB Bulletin:

WCIRB Bulletin No. 2020-09 March 24

Well-Being

Wellness Resources

The MET is offering their best operas online.

Schedule a virtual game night– PictionaryCharadesQuiplash (not free).

Free TV & Movies During Quarantine

Museums with Virtual Tours

Museum of Modern Art Online Classes

Article: Best Ways to Exercise at Home

Offer: CorePower yoga FREE on-demand yoga classes

Offer: CrossFit Free at-home workout videos, including single exercises and drills

Offer: Daily Burn offers 60 days free of at home workout videos

Offer: Fitness Blender has videos from beginner to advances to get/keep us fit

Offer: Equinox FREE Meditation Videos on YouTube

Offer: FitOn app (FREE) A variety of virtual classes like yoga, HIIT, circuit training, pilates, etc., even classes for kids! Take classes on your own or as part of a group, plus an “advice” section for health tips.

Offer: Orange Theory Free daily 30-min fitness videos.

Offer: Peloton Try the App at home, now free for 90 days

Scholastic is offering online learning for kids.

Article with Resource Links: Activities to Do with Kids & More Kid-friendly Websites

Entertain while you work with a few free books from Slumberkins.

Article:  Amazon Unlocks Dozens of Streaming Kids Shows FREE. Sign Up with This Link

Educational companies offering Free Subscriptions due to school closings.

Little Sous is a monthly kids cooking subscription service  – click here to download a free lesson.

Contact your local school district for free curbside lunch program during coronavirus school closures.

Quarantine Schedule for Teens from www.teensmartgoals.com

Activities for Teens During Quarantine

A global day of design projects for teens: Global Day of Design - May 6

Khan Academy Daily Schedule for School Closures

Ted Talks for Students of All Levels

Imagineering in a Box is a FREE online program that brings together the diverse talents of Disney Imagineers around the world for a one-of-a-kind learning experience in 32 videos.

NextLesson – 50 Free Projects/Activities for Kids of all Ages

Article: Food Network's 50 Most Popular Healthy Recipes

Cooking with ingredients you have on hand: No recipe? No problem!

Try a food delivery service such as Imperfect Produce.

Meal kits offer great discounts/free meals for new customers, here are a few: HelloFreshHome Chef,  Blue Apron.

GrubHub created a community relief fund, Postmates has a fleet relief fund – both support local food businesses.

Offer: Cook With What You Have is offer a free month of access to their recipes to cook nutritious meals at home.

Offer: Platejoy is giving 1 month free to their personalized meal planning platform.

Offer: Coursera offers 1000’s of online courses from accredited universities across the US. Many are free!

Access free online courses from Brown, Columbia, Cornell, Dartmouth, Harvard, Penn, Princeton, and Yale on Class Central.

Mental and Emotional Health

Ten Percent Happier offers a FREE live daily meditation and resources. Check out their Coronavirus Sanity Guide.

UC San Diego’s Center for Mindfulness FREE streaming meditations

HeadSpace has created meditations to support rest, relaxation, sleep and mental health. Many free!

Calm has a list of free meditations specifically targeted for feelings of anxiety.

Journey Meditation is offering free online live meditation sessions.

For Urgent Help

If you or someone you care about feels overwhelmed with emotions like sadness, depression or anxiety, or like you want to harm yourself or others call 911. You can also contact the Substance Abuse and Mental Health Services Administration’s (SAMHSA) Disaster Distress Helpline at 800-985-5990, the National Suicide Prevention Lifeline at 800-273-8255 or text MHFA to 741741 to talk to a Crisis Text Line counselor.