Disclaimer: We are not experts in health or policy and make no guarantees as to the accuracy or timeliness of the details on this page. This page is for informational purposes only. See our full COVID-19 disclaimer for more.

If your business has hit trouble because of the pandemic and you need guidance, the attorneys at G & G Law have assembled a toolkit of accessible, easy-to-digest information that answers many common questions we’ve received from our clients. You can read more about it and purchase it here.

This is a guest post from our good friend Kate Scully Krebsbach, a fourth generation insurance consultant with Riordan & Scully Insurance in Oak Brook, IL. She helps protect small businesses from the unexpected, working with business owners in the manufacturing, cannabis, medicine, and construction industries.

Connect with Kate via email, LinkedIn, or at 630-468-4516


As state and local governments look towards adapting and reopening their economies, your business’s insurance needs will change. The new economy will introduce new concerns, from government regulations to operational modifications to new (and old) threats. As a business owner, are you protected? Start by answering these 5 questions.

How have the company’s operations changed?

Product liability coverage is essential if you have shifted to manufacturing something new, like PPE or sanitizers. Check for non-owned and hired auto liability if you offer delivery, company protection if a car accident involves a personal or rented auto. If you’re consulting, professional liability provides defense coverage if you’re sued for advice given.


What do the financials show?

Payroll and sales determine the price of workers’ compensation and general liability – review the numbers with your insurance agent.


What if the systems are hacked?

The FBI reports 4 times more cyber crime during the COVID-19 outbreak. Social engineering

coverage responds if you are duped into paying a phony invoice intended for a vendor.


Can we be sued for company layoffs?

Yes, just about anyone can sue your company. It’s important to have employment practices liability, which defends you for wrongful termination, discrimination, inappropriate misconduct and much more.


When we reopen, where do I begin?

Safety procedures and policies should be posted and emailed to your staff. If you need some assistance, email me for a template on creating a safety plan.