Unemployment Benefits: Most states are now allowing employees who are laid off to claim unemployment without affecting the employer’s UI rates. As a practice owner, if you are forced to close your office, you can (and likely should) lay off staff temporarily and have them claim unemployment, without it having a negative effect on UI tax later. This is continuing to evolve, but a good guide is available here:
Advocacy: Congress is actively working on legislative packages to help those affected by closures and disruptions in business. It is critical that your voice is heard, and we urge you to contact your Member of Congress to ensure that your needs are being actively considered.
Business Interruption Insurance: While typical policies do not explicitly cover viral outbreaks, many do not exclude them, and thus we have now seen legal challenges and claims on Business Interruption Insurance Policies for compensation for economic damages sustained due to closure by order of Civil Authority. You should consult with your insurance professional, but in general, making a claim is worthwhile because even if it’s initially denied, it is likely that such claims can be aggregated in a class action lawsuit which can then lead to claims being approved.
COVID19 Business Interruption Insurance Coverage Case