R ETURNING TO W ORK DURING C OVID -19 COVID-19 COVID-19 is a - PowerPoint PPT Presentation

R ISK M ANAGEMENT R ETURNING TO W ORK D URING COVID-19 P R E S E N T E D B Y : L ILLIAN R OMERO -G OMEZ P R E S I D E N T B AKER , R OMERO & A SSOCIATES I NSURANCE B ROKERS , I NC . “Focusing on the Human Side of Doing Business”

R ISK “ T h e s e c r e t o f g e t t i n g a h e a d i s g e t t i n g s t a r t e d . ” M ANAGEMENT ~ M a r k T w a i n B ASICS “ Fo c u s i n g o n t h e H u m a n S i d e o f D o i n g B u s i n e s s ”

R ETURNING TO W ORK DURING C OVID -19 COVID-19 COVID-19 is a respiratory disease caused by SARS-CoV-2 virus. Symptoms range from mild to severe and in some cases can be fatal. To reduce the impact of COVID-19 outbreak conditions on employees, it is important for employers to implement an effective risk management program. “B y f ailing to prepare, you are preparing to f ail. ” ~Benjamin Franklin “ Fo c u s i n g o n t h e H u m a n Si d e o f D o i n g B u s i n e s s ” Fo c u s i n g o n t h e H u m a n Si d e o f D o i n g B u s i n e s s

R ISK M A N A GEM EN T Risk Management deals with uncertainty and risk. How does an organization protect its workforce during a pandemic? Fo c u s i n g o n t h e H u m a n Si d e o f D o i n g B u s i n e s s

R I S K M A N A G E M E N T O V E R V I E W : ➢ Questions ons and conc ncerns rns from clien ients ts as they y plan an on returning rning to wo work. ➢ Risk Manage ageme ment nt Basics ics - Gu Guideline lines s ➢ Directors ctors & & Officers rs Respons onsibilitie ibilities ➢ Risks and Considerat siderations ions On Returning rning To Work during ng a pande ndemic mic ➢ Risk Manage ageme ment: nt: Insu surance rance and nd COVID ID-10 10 ➢ General Liability, Workers’ Compensation, Employment Practice Liability, Volunt nteer eer Accident, ident, Cybe yber Risk Fo c u s i n g o n t h e H u m a n Si d e o f D o i n g B u s i n e s s

R ISKS C ONNECTED WITH R ETURNING TO W ORK : I NSURANCE C ONCERNS & Q UESTIONS “Will our workers’ compensation insurance policy provide coverage if an employee claims she contracted the virus  while working at home?” “Can we have employees sign a waiver and limit our responsibility if they contract COVID - 19?”  “Will our General Liability policy defend our organization if we are sued because a client contracted COVID - 19?”  “We are planning for a special event next year (?) Can we purchase Event Cancellation Insurance in case we have to  cancel the event?” We will be renting office space to another nonprofit because many of our employees are opting to work from home and  we have vacant office space. Can we add them on to our General Liability policy? “We want to request that older staff or staff with health issues have their temperature taken before they come into the  office so as to protect them from the virus.” “We are collaborating with another organization and they have asked us to add them as additional insured since they  do not carry insurance.” “We just had a ransom cyber attack. Will our General Liability policy provide funds for the ransom?”  “We have made the painful decision to terminate a few staff due to lack of funding brought on by the pandemic, will  our EPLI policy provide us with legal protection if the executive director and board of directors are sued?” Fo c u s i n g o n t h e H u m a n Si d e o f D o i n g B u s i n e s s

R ISK M ANAGEMENT B ASICS  E STABLISH A R ISK M ANAGEMENT T EAM T O P LAN E MPLOYEES RETURN TO THE WORKPLACE  I DENTIFY R ISKS I NVOLVING RETURNING T O W ORK  E VALUATE R ISK I NVOLVING R ETURNING T O W ORK  C ONTROL R ISK ( WAIVERS , HOLD HARMLESS , INSURANCE )  R EVIEW Fo c u s i n g o n t h e H u m a n Si d e o f D o i n g B u s i n e s s

R I S K M A N A G E M E N T B A S I C S : T I P A SK SK OTHER N ON ON -P ROFITS ABOUT THEIR R ETURN T O W ORK ORK R ISK M ANAGEMENT P OLICIES AND THEIR P ROCEDURES TO TO MITIGATE COVID -19 19 “Don't be afraid to ask questions. Don't be afraid to ask for help when you need it. I do that every day. Asking for help isn't a sign of weakness, it's a sign of strength.” ~Barack Obama Fo c u s i n g o n t h e H u m a n Si d e o f D o i n g B u s i n e s s

D I R E C T O R S & O F F I C E R S R ISK M ANAGEMENT IS E VERYONE ’ S R ESPONSIBILITY ➢ The board must be kept informed and participate in the organization's safety programs involving COVID- 19. Board needs to be informed as to how the organization will reopen safely and consider legal guidance. ➢ A Safety Risk Culture is a shared responsibility with: • Employees & Consultants • Management • Volunteers • Board of Directors EVER ERYONE YONE NEEDS EDS TO WOR ORK TOGETHER ETHER Fo c u s i n g o n t h e H u m a n Si d e o f D o i n g B u s i n e s s

R ISKS C ONNECTED WITH R ETURNING TO W ORK All employers should develop and implement appropriate policies in accordance with Federal, State, and local regulations and guidance, and informed by industry best practices, regarding:  Social Distancing  Temperature checks (if appropriate)  Sanitation  Use and disinfection of common and high-traffic areas “ Fo c u s i n g o n t h e H u m a n Si d e o f D o i n g B u s i n e s s ” Fo c u s i n g o n t h e H u m a n Si d e o f D o i n g B u s i n e s s

R ISKS C ONNECTED WITH R ETURNING TO W ORK W HAT STAFF NEEDS TO KNOW WHEN THEY RETURN TO THE WORKPLACE : Return to work protocols  Explanation of any screenings  Instructions on bringing new and old equipment into the office and how to  disinfect appropriately. Information on any changes in the work environment e.g. restricting access to  break rooms, social distancing Inform employees of cleaning policies to prevent the spread of COVID-19.  Employees need to be educated about COVID-19 and how to protect themselves and their work environment. REMINDER : Address how many people can enter an elevator (don’t assume this is common sense.) Fo c u s i n g o n t h e H u m a n Si d e o f D o i n g B u s i n e s s

RISKS CONNECTED WITH RETURNING TO WORK : D EVELOP AN I NFECTIOUS D ISEASE P REPAREDNESS AND R ESPONSE P LAN Plans should address the level(s) of risk associated with various worksites and considerations should include: Where and how might employees and volunteers be exposed  to COVID-19 Employee’s individual risk factors (e.g. older age; chronic  medical conditions, pregnancy) How can you implement social distancing?  Fo c u s i n g o n t h e H u m a n Si d e o f D o i n g B u s i n e s s

R ISKS C ONNECTED WITH R ETURNING T O W ORK : B ACK TO BASIC S A F E T Y T I P S B ASIC I NFECTION P REVENTION  Promote frequent handwashing  Use alcohol sanitizer intermittently  Encourage employees & volunteers to stay at home if they are not feeling well.  Encourage respiratory etiquette, including covering coughs and sneezes  Determine if employees’ temperature should be taken and assess for symptoms prior to their starting work. Wear a face covering. (Be aware that there are some exempt from wearing a face covering.)   Discourage employees from using other workers’ phones, desks, headsets, equipment, if possible.  Clean and disinfect surfaces, tools and equipment regularly with bleach or bacterial disinfectant.  Don’t shake hands when greeting others. Fo c u s i n g o n t h e H u m a n Si d e o f D o i n g B u s i n e s s

RISKS CONNECTED WITH RETURNING TO WORK: BACK TO BASIC S A F E T Y T I P S Face Coverings  People if CA must wear face coverings when they are in the high-risk areas such as public area, healthcare , public transportation, working with the public. Exempt from wearing face covering: Persons younger that two years old.  Persons with medical condition  Persons who are hearing impaired  Persons engaged in outdoor work or recreation e.g. swimming, walking  etc. Recommend that you consult with your employment attorney if you have employees that can not wear a face covering so as to develop appropriate policies and best practices to protect the workforce. Fo c u s i n g o n t h e H u m a n Si d e o f D o i n g B u s i n e s s

R ISKS C ONNECTED WITH R ETURNING T O W ORK : B ACK TO BASIC S A F E T Y T I P S S OCIAL D ISTANCING Social distancing means avoiding large gatherings and maintaining distance (approx. 6 feet) from others when possible (e.g. breakrooms and cafeterias). Strategies for social distancing include: Implementing flexible worksites (e.g., telework)  Implementing flexible work hours (e.g. staggered shifts)  Increasing physical space between employees at the worksite.  Increasing physical space between employees and customers (e.g. drive through, partitions)  Implementing flexible meetings and travel options (e.g. postpone non-essential meetings or events)  Delivering services remotely (e.g. phone, video, web, ZOOM)  “ Fo c u s i n g o n t h e H u m a n Si d e o f D o i n g B u s i n e s s ” Fo c u s i n g o n t h e H u m a n Si d e o f D o i n g B u s i n e s s