W3 Coronavirus Resource Center

W3 has responded to the COVID-19 pandemic by generating a thorough resource to help you manage this business and personal crisis.

As your trusted advisor, we are making this readily available without overwhelming you with an onslaught of information. Access it when you have questions. This dedicated W3 Coronavirus COVID-19 Resource Center provides reliable guidance and the most up-to-date information on the ever-evolving situation affecting us all.

Click the areas below for more information:

Insurance Coverage & Risk Management

HR & Compliance

Financial & Tax Legislation

Employee Benefits

Health & Safety

Additional Resources

Reasons to Smile

For more information regarding COVID-19 and how W3 can help, contact your W3 advisor.


Insurance Coverage & Risk Management

How will my property and casualty insurance coverage respond to COVID-19 related claims?

New Releases:

Coverage Insights Employment Practices Liability Trends to Watch in 2021 Employment Practices Liability Trends to Watch in 2021

Apart from securing employment practices liability (EPL) coverage, it’s important to stay up to date on the latest EPL market trends. In doing so, your organization will have the information needed to respond appropriately and make any necessary coverage adjustments. Review this guidance to learn more about EPL trends to watch in 2021. Read more…

fisher phillips logo Workers Compensation Trends to Watch in 2021

Review this article to learn more about workers’ compensation trends to watch in 2021. Read more…

IRMI logo The Coronavirus and the CGL Policy

As organizations begin a phased reopening around the country, a chief concern will be the organization’s potential liability to persons claiming they have contracted COVID-19. Will these organizations be protected by liability insurance for such claims? The answer is—as usual—it depends. Read more…

Wearing Facial Coverings or Masks in the Workplace During COVID-19 Preventing Cyberattacks on Remote Employees

While remote work can be an exciting opportunity for employees, it also comes with unique challenges—namely, cybersecurity. This article discusses some cybersecurity risks that remote employees face and offers potential solutions. Read more…

WCI logo Florida’s CFO Seeks Help To Shield Businesses From Liabilities

During a session on the opening day of the Workers’ Compensation Institute’s virtual Cyber Forum 2020, Patronis said the pandemic has created many new anxieties and unprecedented challenges for employers and employees. Business owners are telling him the concerns may keep them from reopening. Read more…

cyber risks report cover How to Avoid Electronic Signing Service Scams

This quarter’s Cyber Risks and Liabilities newsletter includes tips to avoid electronic signature scams, smart device security best practices and cybersecurity trends to watch for in 2021. Read more…

best of: post-coronavirus checklists Best of: Post-coronavirus Checklists

This document features the top post-coronavirus checklists, all in one place. Fill out the form below to download your free copy:


covid-19 response questionnaire cover COVID-19 Response Questionnaire

This questionnaire gives businesses the opportunity to review their exposures relative to Coronavirus (COVID-19) and take proactive steps to mitigate their risks.

Fill out the form below to download your free copy:

reopening checklist for retailers cover Retail Reopening Guide

As states begin to lift COVID-19 stay-at-home orders, this guide touches on key issues for retailers to
consider. Fill out the form below to download your free copy:


return to work cover Return to Work Guide

This document presents issues and questions that should be considered as firms evaluate their return to work policies. The research compiled is a blend of federal and state guidelines, lessons learned from international companies who have already re-opened their offices, as well as companies here in the U.S. who have already put together a process to reopen. Fill out the form below to download your copy:


More Insurance Coverage & Risk Management Resources:


Human Resources & Compliance

How can I best manage my workforce and comply with new employer regulations related to COVID-19?

New Releases:

Wearing Facial Coverings or Masks in the Workplace During COVID-19 Forge Stronger Virtual Connections Among Employees

When the COVID-19 pandemic began, remote work was a fringe benefit at many organizations. Now, nearly 40% of employees have transitioned to remote working arrangements. This article offers some ways employers can bring teams together and forge stronger connections, no matter how far apart employees may be. Read more…

Wearing Facial Coverings or Masks in the Workplace During COVID-19 Employee Skills for the Post-Pandemic Workplace

As the COVID-19 pandemic abruptly changed workplaces, workers’ skills have changed as well. As organizations move from their initial pandemic response plans to more sustainable operations, this article provides critical worker skills for companies to foster with both candidates and current employees. Read more…

HR Compliance Bulletin: DOL FFCRA Regulations EEOC Issues FAQs on Mandatory Vaccinations for COVID-19

On Dec. 16, 2020, the Equal Employment Opportunity Commission (EEOC) issued employer guidance on mandatory vaccination programs and the restrictions imposed on them by the Americans with Disabilities Act (ADA) and other federal fair employment laws. This Compliance Bulletin provides the new guidance, which was added to the EEOC’s existing FAQs on the coronavirus (COVID-19) pandemic and the ADA. Read more…

Legal Update: I-9 Form In-Person Rule May Be Deferred for Coronavirus Stimulus Bill Extends FFCRA Tax Credits but Not Leave Mandate

An appropriations bill, which was signed into law on Dec. 27, 2020, does not extend the employee leave mandates created by the Families First Coronavirus Response Act, which expire on Dec. 31, 2020. However, the bill extends tax credits for employers who offer the leave through March 31, 2021. Read more…

ZYWAVE company logo Important Coronavirus Updates for Employers – Webinar Recap

In this session, our content attorneys discuss key workplace issues and benefits for sick or exposed employees. Read more…

Wearing Facial Coverings or Masks in the Workplace During COVID-19 5 Ways to Manage Poor Workplace Performance Among Remote Workers

Addressing poor performance isn’t always easy. This is especially true amid the COVID-19 pandemic, as remote working often makes accountability more complicated. This article offers five tips to help employers manage poor performance in the workplace, even while everyone is working from home. Read more…

Benefits and Marketplace Trends Through the Lens of Covid Supporting Employees Financial Wellbeing During the COVID-19 Pandemic

The COVID-19 pandemic is not only challenging the way Americans live on a daily basis, but also posing significant economic threats that could have a lasting effect on their financial well-being. This article explores the importance of financial well-being and how employers can help employees, especially during the COVID-19 pandemic. Read more…

Wearing Facial Coverings or Masks in the Workplace During COVID-19 Virtual Workplace Holiday Parties

In response to the COVID-19 pandemic, many organizations are evaluating how to engage employees safely this holiday season. Employers find themselves tasked with deciding whether they should cancel, postpone or offer an amended celebration that prioritizes safety—with many choosing to offer a virtual holiday party. This article gives an overview of virtual holiday parties and offers ideas and considerations for employers planning a virtual celebration. Read more…

legal update pdf cover Remote Verification of Form I-9 Documents Extended to Nov. 19

Because of the ongoing COVID-19 pandemic, the U.S. Department of Homeland Security (DHS) is allowing employers that are operating remotely to conduct a remote verification of approved Form I-9 documents. On Sept. 15, 2020, DHS extended yet again this exemption for an additional 60 days. The new expiration date for the exemption is now Nov. 19, 2020. Read more…

Post-coronavirus Return to Work Cleaning Checklist Checklist – Responding to a Positive COVID-19 Test

The Centers for Disease Control and Prevention (CDC) provides guidelines for how employers can respond, and this checklist provides an outline of steps for employers to consider.

Fill out the form below to download your free copy:


HR Toolkit – Virtual Interviewing Intro

Due to the coronavirus (COVID-19) pandemic affecting workplaces, many employers are adopting remote and virtual practices—including interviewing. This toolkit is designed to guide you step by step through the virtual interview process and help you find the right people for your organization.

Fill out the form below to download your free copy:


Employee COVID Return to Work Tracking Template

This template can help you keep track of exposed or confirmed COVID-19 employees.

Fill out the form below to download your free copy:


Recovery Readiness How to Guide

Please fill out the form below to download your free copy of the Recovery Readiness How to Guide:


Employee Work From Home Guide

Use this guide to outline your company’s telecommuting, or work from home, policy and expectations, and educate your employees on best practices for working from home. Please note that this guide requires extensive customization to reflect your organization’s policies on telecommuting. Fill out the form below to download your free copy:



Employer Checklist for Managing Remote Employees

Employers can use this checklist to manage employees that are working from home during the coronavirus disease 2019 (COVID-19) pandemic. Fill out the form below to download your free copy:



Emergency Family and Medical Leave Expansion Act – Request Form

This form may be used by an employee to request leave under the Family and Medical Leave Act (FMLA). This form accommodates a new type of leave that can be used by an employee in the event they need to stay home in order to care for their child whose school or child care facility has been closed due to coronavirus disease 2019 (COVID-19). Please fill out the form below to download your free copy:

Business Continuity Planning Checklist

Please fill out the form below to download your free copy:

Sample Communicable Disease Policy

Please fill out the form below to download your free copy:

Sample COVID-19 EFMLEA & EPSLA Policies

Please fill out the form below to download your free copy:

Guide on Employee Leave – 2020

Please fill out the form below to download your free copy:

More HR & Compliance Resources:


Financial & Tax Legislation

What financial and tax legislation related to COVID-19 should I be aware of?

New Releases:

proskauer logo PPP Interim Final Rule – Additional Revisions to Loan Forgiveness and Loan Review Procedures Interim Final Rule

The IRS and Treasury Department have issued Notice 2020-54, requiring employers to report compensation for leave taken under the Families First Coronavirus Response Act on Form W-2. This Legal Update discusses the new guidance. Read more…

legal update pdf cover IRS: Employers Must Report Pay for FFCRA Leave on W-2

The IRS and Treasury Department have issued Notice 2020-54, requiring employers to report compensation for leave taken under the Families First Coronavirus Response Act on Form W-2. This Legal Update discusses the new guidance. Read more…

small business loan pdf cover Application Deadline for Small Business Loans Extended

Congress has passed legislation to extend the application deadline for a Paycheck Protection Program (PPP) loan through Aug. 8, 2020. Prior to the extension, the deadline to apply for these funds was June 30, 2020. The extension enables eligible small businesses to apply for funding for five more weeks. The legislation has been sent to President Trump, who is expected to sign the measure into law. Read more…

small business loan forgiveness pdf cover In the Know: SBA Releases Streamlined PPP Loan Forgiveness Form

The Small Business Administration (SBA) and Department of Treasury recently released a streamlined loan forgiveness application called the EZ Forgiveness Application. This In the Know article provides an overview of the newly released application. Read more…

small business paycheck protection pdf cover Congress Passes Bill Amending Paycheck Protection Program

Congress has passed the Paycheck Protection Program Flexibility Act of 2020, which is a bill that provides borrowers with greater flexibility in spending Paycheck Protection Program funds without compromising forgiveness eligibility. The bill has been sent to President Donald Trump, who is expected to sign it into law. This In the Know article provides an overview of the bill. Read more…

More Financial & Tax Legislation Resources:


Employee Benefits

How will my group insurance respond to claims related to COVID-19?

New Releases:

Legal Update: Federal Agencies Issue COVID 19 Relief for Employee Benefit Plans Health Plans Must Cover COVID-19 Vaccine without Cost Sharing

On Dec. 12, 2020, the Advisory Committee on Immunization Practices (ACIP) recommended use of Pfizer Inc.’s COVID-19 vaccine for individuals 16 years of age and older. The ACIP recommendation triggers the requirement for non-grandfathered group health plans and health insurance issuers to cover the vaccine without cost sharing. This Legal Update provides an overview of the COVID-19 vaccine coverage requirements. Read more…

Benefits and Marketplace Trends Through the Lens of Covid 2021 Benefits Planning and COVID-19

As the COVID-19 pandemic continues to wage on, its effects on benefits planning for next year are being felt—especially as open enrollment season approaches. Some of the most common changes being made for the 2021 enrollment season are outlined in this Benefits Insights article. Read more…

Benefits and Marketplace Trends Through the Lens of Covid Post-coronavirus Return-to Work Plans and EAPs

To help employees navigate these uncertain times and ease their return to work, employers should consider offering or revamping an existing employee assistance program (EAP) to address post-coronavirus return-to-work concerns. Read more…

Dependent Care Benefits and COVID 19 Outbreak Federal Agencies Issue More FAQs on Coronavirus Related Changes for Health Plans

New laws related to the COVID-19 pandemic include a number of changes for health plans and health insurance issuers, including a requirement to cover COVID-19 testing without any deductibles or other cost-sharing. Federal agencies released a second set of FAQs regarding these coronavirus-related changes. This Compliance Bulletin contains the FAQs. Read more…

Benefits and Marketplace Trends Through the Lens of Covid Reducing Employees’ Stress Through Voluntary Benefits

This article discusses employee stress and ways employers can reduce it. Read more…

new normal video thumb The New Normal: Online Open Enrollment Intro (Video)

This video series explores the lasting effects the coronavirus pandemic has had on workplaces across the country. This video focuses how the open enrollment process may evolve in the near future. Click here to watch

medical carrier faq pdf cover COVID-19 Medical Carrier Updates & FAQ’s

With all the information circulating about COVID-19, it’s easy to become overwhelmed. We’ve made staying up-to-date easier. In this document, W3 staff identifies key health plan topics and summarizes how each carrier is dealing with them. You’ll find valuable information, such as how the plan will cover claims for COVID-19 and extended premium grace periods. This fluid document will change as carriers announce changes (likely daily). We will continue to monitor these changes and keep this document as current as possible.

Latest Updates for the Week:

  •  Aetna, UHC, FL Blue announce special enrollment period for those who preciously waived/didn’t add dependents through middle of April.
  • Aetna, UHC, FL Blue, Humana and Cigna all announce waived cost sharing to members for COVID-19 testing and treatment.
  • FL Blue announces extended grace period through May 31st, 2020.
  • Humana announces credit card payment available for small group employers.

If you have specific questions regarding how your carrier will handle coverage or administration, please refer to this document or contact your W3 employee benefits representative for assistance. Read more…

ancillary carrier updates pdf cover COVID-19 Ancillary Carrier Updates

In this document, W3 staff identifies key ancillary plan topics and summarizes how each carrier is dealing with them. This fluid document will change as carriers announce changes (likely daily). We will continue to monitor these changes and keep this document as current as possible. Read more…

More Employee Benefits Resources:


Health & Safety

What is the best way to stay healthy and safe during this pandemic?

New Releases:

news brief pdf cover CDC Announces Shorter Quarantine Guidelines After a COVID-19 Exposure
The CDC has announced an update to quarantine guidelines, offering options for shorter quarantine periods for those who may have been exposed to COVID-19 but are without symptoms. This News Brief explains further. Read more…
fisher phillips logo Six Steps Employers Can Take To Diffuse COVID-19 OSHA Complaints
The year 2020 has presented very different workplace safety issues for employers. We have seen an exponential increase in employers receiving notice of complaints to state and federal Occupational Safety and Health (OSHA) agencies from employees regarding COVID-19 safety measures in the workplace – or allegations of a lack thereof. In fact, to date, employees throughout the nation have made more than 11,000 COVID-19-related complaints to federal OSHA and over 39,000 COVID-19-related complaints to state OSHA agencies. Read more…
osha logo OSHA Guidance: Optimize Ventilation to Reduce COVID-19
OSHA’s safety alert on COVID-19 guidance on ventilation in the workplace. Read more…
mask news brief pdf cover CDC Says Masks Protect Wearer from COVID-19
The Centers for Disease Control and Prevention (CDC) recently updated its guidance on the effectiveness of cloth masks to include protection for the wearer of the mask, in addition to helping prevent the spread of COVID-19. This News Brief explains further. Read more…
KPA logo Interactive US Maps: COVID Workplace Safety Requirements by State
KPA and Fisher Phillips have created maps outlining the various state COVID-19 workplace restrictions across the US. Learn what’s required in your state. Read more…
news brief pdf cover What OSHA Could Look Like Under a Biden Administration
In light of the U.S. presidential election results, workplace health and safety experts have begun speculating on the possible changes that President-elect Joe Biden could make to existing practices within the Occupational Safety and Health Administration (OSHA) once he takes office—especially in the midst of the ongoing COVID-19 pandemic. Keep reading to learn more about what OSHA could look like under a Biden administration. Read more…
Wearing Facial Coverings or Masks in the Workplace During COVID-19 Preparing for Flu Season During the COVID-19 Pandemic
Unfortunately, the 2020-21 flu season isn’t the only health crisis employers and employees have to address this year. The COVID-19 pandemic is still affecting the workforce, and the combination of another potentially bad flu season and the pandemic has public health experts worried. Learn more about preparing for flu season during the COVID-19 pandemic with this HR Insights article. Read more…
osha guidelines thumb Guidance on the Use of Face Coverings while Working Indoors
COVID-19 Guidance on the Use of Cloth Face Coverings while Working Indoors in Hot and Humid Conditions. Read more…
osha returning to work pdf cover OSHA Guidance on Returning to Work

Guidance from the Occupational Safety and Health Administration on returning to work during the Coronavirus (COVID-19) pandemic.

Fill out the form below to download your free copy:


cleaning checklist thumb Post-Coronavirus Return to Work Cleaning Checklist

Please fill out the form below to download your free copy:


More Health & Safety Resources:


Additional Resources

What other resources should I know about?


Reasons to Smile

Here are some innovative, inspiring, or humorous things we found to share.

sun logo Smithsonian and USA TODAY Network Launch Summer Learning Guide
Need something to occupy the kids this summer? The Smithsonian and USA TODAY teamed up to offer a FREE Summer Learning Guide titled Summer Road Trip. The guide includes hands-on activities, puzzles and games exploring topics such as STEM, history and the arts for grades k-8. It is available in both English and Spanish. Read more here.
sunflower thumb This Tampa Bay farm offers U-pick sunflowers while social distancing
Sunflowers make us smile; how about you? What if a great outside nature activity was thrown in with it? …Even better! Sweetfields Farms in Brookville is offering u-pick sunflowers, an awesome family activity during social-distancing. They even carved an inspirational message into the field.  Read more about sunflower pickin’.
ikea logo IKEA Meatball Recipe
Ready to get your Swedish chef on? And we aren’t talkin’ the Muppets, Baby! Ikea has released their recipe for Swedish Meatballs, including the sauce, on Twitter. We are drooling already…..And true to Ikea style, they released it in an easy to follow six step process. When we thought we could not love Ikea more…they have raised the bar. Get cookin’ here.
adams group logo Adams Group manufactures intubation chambers to help frontline medical professionals
Recently, several Adams Group team members transformed their wondering into action and manufactured intubation boxes for local hospitals.. Read more…
lowry parcade logo Arcade Game Rental
Ever wish you had a vintage arcade in your home? Lowry Parcade can make it happen! They are renting out arcade and pinball machines for weekly rentals up to a month. You can also get a beer to go. Read more…
youtube thumb A Conference Call in Real Life – Youtube Parody
Remote work is both a blessing and a curse, but a good parody is a blessing anytime! YouTube parody heroes Tripp and Tyler really perk up the workday with this parody of conference calls. Enjoy!
w3 logo In an effort to support our community, clients and each other during the COVID-19 crisis, the W3 Employee Enrichment Committee (EEC) is giving all of our employees Uber Eats gift cards to use at our locally owned restaurants.
cnn logo A Georgia bar owner removed $3,714 worth of bills stapled to the walls to give to her unemployed staff
See how one Georgia bar owner is doing her part to help her staff during amidst COVID-19. Read more…
kittens thumb Watch these cute kittens take over an empty aquarium in Atlanta
A public aquarium in Atlanta, Georgia, that was closed due to COVID-19 measures recently hosted a special group of four-legged visitors. On April 5 and 6, the now-empty building became a giant playground for a group of kittens on a field trip from the Atlanta Humane Society. Read more…
w3 logo A W3 employee recently dropped off food, paper products and cash to a local family with children whose father had lost his job. The mother was speechless, then tearfully replied “It’s worth a million.”
smithsonian thumb Smithsonian Museum Virtual Tours
Have you ever wanted to visit a Smithsonian Museum? Take a virtual tour here
thrill ride thumb Ride Real Attractions in Virtual Reality
Wouldn’t it be great if we could all go to Disney? We can…virtually! Many rides are available for free viewing @SocalAttractions360 No FastPass required, but grab your popcorn and break out the Mickey waffle maker because you can bring snacks on these rides!
mountain flowers thumb Take a Virtual Tour of Our National Parks
W3’s Virtual Tourist visited National Parks Foundation. From this website you can learn more about perennial favorites like Yellowstone or choose other parks and national historic sites from a list that goes on for days. There are also a few virtual tours available, some are sites that are rarely open to the public.
johns hopkins logo Johns Hopkins All Children’s accepting hand-sewn mask donations for non-patient care
Grab your needle & thread for the country’s latest hobby craze Face Mask Making. Spread love, not hate COVID-19 by donating your creations to Johns Hopkins All Children’s for non-patient care or to family, friends, neighbors, the pizza delivery guy…just about anyone! For a pattern acceptable for Johns Hopkins All Children’s and donation information read more here. Other patterns are available online for use by the general public. A self-sacrificing W3 staff member already tested the no sew “hair band method” and suffered great agonies of pain while the bands pulled against her ears and came off…she doesn’t recommend it..
dog thumb Family Stuck At Home Notices Their Dog’s Tail Has Stopped Working
“The vet said ‘he had sprained his tail from excessively wagging it’” 😂❤🏠 Read more…

Shared from our friends at TotalHIPAA Compliance

 

Please contact your W3 representative with any questions 800.783.5085