Mail: P.O. Box 32 La Veta, CO 81055 Phone 719-742-3676
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Mail: P.O. Box 32 La Veta, CO 81055 Phone 719-742-3676
find us on Facebook

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SBDC Business Resiliency Guide and Materials:

Small Business Resiliency Guide that uses critical resources, alternative resources available to businesses as well as their emergency response plans to formulate a contingency plan for hazards such as COVID-19. All business resiliency materials can be found here- https://americassbdc.org/protect-your-business/

Business Interruption Insurance:

This is insurance that covers business income lost due to a disaster and is generally an addendum to your property insurance. The coverage period is generally defined as the date the interruption began to the date normal business operations resumed.  It covers operating expenses, a move to a temporary location, payroll, taxes, loan payments, and profits. Financial statements from previous months are used to justify amount of payout. Providers include Farmer’s Insurance, AP Intego, and Nationwide. Annual premiums are typically anywhere from $500-$1500. Unfortunately, business interruption insurance only covers physical disasters currently, but business interruption insurers are considering an option where by claims are made related to COVID-19 and are adjusted by the insurance provider to determine an appropriate payment- https://crsreports.congress.gov/product/pdf/IN/IN11295

For example, the Hartford doesn’t specifically cover insurance claims related to COVID-19 but states “Every situation, however, will be evaluated on a case-by-case basis and reviewed based on the underlying facts, policy language and applicable law. If you believe you have a business interruption claim, you can file a claim online.”- https://www.thehartford.com/coronavirus/businesses

It is important to discuss business interruption insurance with your property insurer to see if some form of compensation can be obtained for COVID-19 business interruption.

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