COVID-19 relief loans and financial assistance for your business

In This Issue
• SBA Financial Assistance Information
• SBA Loan Quick Guide
• Coronavirus Health and Safety Plan Samples
• Show us your Social Distancing techniques
• Message from PHCC-ORSB
• CARES Act and SBA Paycheck Protection Program
• Navigating the Coronavirus in the Workplace
• New FFCRA Paid Leave Poster
• California COVID-19 Resources
• Create an Enduring Risk Management Culture
• COVID-19 Resource Center
• Families First Coronavirus Response Act
• Essential Work Certification Cards
• IAPMO Continuing Education
• ICC Upcoming Webinars - Register Today

SBA Financial Assistance Information

Paycheck Protection Program - These are emergency small business loans that may be forgiven and will be available to borrowers that maintain their payrolls during the crisis or restore after. Loans will be up to $10M, depending on your monthly payroll. Loan forgiveness will be dependent on the payroll at the start of the loan and completion of the loan period (approximately through June 30). Businesses that have laid off staff may still be eligible if they bring staff back on at the start of the loan period. These loans will be provided through traditional financial partners and not directly from SBA.

Economic Injury Disaster Loan Program - Low interest loans up to $2M for small businesses and nonprofits; up to a year deferral. Guidance for businesses and employers, government contracting, and local assistance information. Live agents are available to guide you through the process at 1-800-659-2955.

Existing Disaster Loans - If you had an existing SBA Disaster Loan prior to COVID-19 (e.g. loan for fire declaration), you can now automatically defer your loan to the end of 2020.

SBA Express Bridge Loans - Allows small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 with less paperwork. Small businesses waiting on approval for a Disaster Loan may be able to access this Bridge Loan while waiting on a decision.

Existing 7a SBA Loans - Borrowers may request deferral up to 3 months from their lender for those with a traditional 7a SBA Loan, with another possible extension to 6 months. The SBA has authorized lenders to take this action. Borrowers need to contact their lender to negotiate. Important: this is not an automatic deferral.

US Chamber Guide to SBA Loans

SBA Loan Quick Guide
The Economic Injury Disaster Loan program (EIDL) cover provides funding in the form of loans up to $2 million depending on the needs of the business.

Repayment terms are usually crafted to meet the needs and ability of the business as well.

If your business was closed or limited during the COVID-19 quarantines the loan may cover the costs of business income lost as a result of the disaster.

Coronavirus Health and Safety Plan Samples
Supplemental sample plan provided by ABC

Enhanced and modified safety plans and stop work plans are a must to effectively mitigate the risk for workers.

Our friends at ABC have written a Coronavirus Health and Safety Plan that addresses several components of COVID-19 compliance. Please review, modify, or copy as you see fit as you check the legal requirements in your area.

Let's learn from each other how to stay safe on the job! Send us photos of your job sites and your service calls demonstrating social distancing and safe practices to [email protected].

Message from PHCC-ORSB
We want to assure you that we take the health and well-being of our members, apprentices and community very seriously.

Like you, we're closely monitoring the quickly developing effects of the Corona-virus (COVID-19) pandemic. Please watch a very important message from PHCC-ORSB Executive Board Members Richard Cadogan, Mike Prencavage and Educational Director Doug Allen.

CARES Act and SBA Paycheck Protection Program
On March 27, 2020, the Coronavirus Aid, Relief, and Economic Stability Act (CARES Act) was signed into law

The CARES Act amends Section 7(a) of the Small Business Act to add a Paycheck Protection Program (PPP) under which some businesses may be eligible to receive a loan of up to $10 million on favorable terms, including total forgiveness in the event businesses maintain or restore their payroll, essentially converting the loan into a government grant.

Navigating the Coronavirus in the Workplace
Join Cook Brown for a webinar on Thursday, April 2 at 10:00 AM

Keeping employees safe, reassured, and engaged during these uncertain times are important elements for business survival.

During the webinar, the webinar will discuss many facets of labor laws and options to ensure business continuity.

New FFCRA Paid Leave Poster
DOL publishes posters required under the FFCRA

The DOL set forth that employers can satisfy the posting requirement for employees who are working at home by emailing or mailing the notice to employees by emailing or direct mailing this notice to employees, or posting this notice on an employee information internal or external website.

California COVID-19 Resources
Assistance, information and resources for California businesses

Employment and taxes »

Los Angeles City Small Business Emergency Microloan Program »

Small Business Finance Center »

Work Sharing Program »

SBA Disaster Assistance »

Coronavirus 2019 (COVID-19) Resources for Employers and Workers »

Infrastructure Workers Exemption »

Create an Enduring Risk Management Culture
Risk Management Corner - provided by Federated Insurance

If you arent committed to incorporating risk management into the culture of your business, a seemingly small change can make it all crumble, leaving you without a solid foundation to help you prioritize the safety of your workers.

If you intend to make risk management a core value of your business, your risk management culture needs to be strong enough to withstand any obstacle.

Families First Coronavirus Response Act
The Families First Coronavirus Response Act was signed into law on March 18th.

This expands existing Family and Medical Leave Act (FMLA) protections and creates a new federal paid sick leave program for employees impacted by the spread of COVID-19. The Act takes effect by April 2. Employers are advised to review their workplace policies.

Essential Work Certification Cards
Provided by Smith, Currie & Hancock LLP. For use in California, and Contractors in other locations with shelter-in-place orders.

To minimize potential conflict with police and health officials, it is advisable to provide personnel with a certification card to display.

California users may wish to cut and paste from the downloadable form, complete the blanks, and print to carry with them.

IAPMO Continuing Education
The IAPMO Continuing Education and Certification Center keeps you up to date on latest code changes and more.

• 2018 UPC Chapter 8 Online Course | Training Hours: 2

• 2018 UPC Online Water Pipe Sizing | Training Hours: 2

• 2018 UMC Online Guide to Important Changes | Training Hours: 2

• 2015 UPC Online Water Pipe Sizing | Training Hours: 2

Upcoming Webinars - Register Today
The ICC Learning offers live webinars led by industry professionals on specialized topics.

• 2018 IFC and IBC Hazardous Materials Provisions (Virtual) | April 7

• 2015 IMC Webinar Series: Refrigeration, Fuel Oil Piping and Storage and Solar Systems | April 7

• 2015 IRC Performing Residential Plumbing Inspections (Virtual) | April 8

• 2021 IPC Highlights Webinar | April 9

Visit www.caphcc.org

PHCC is dedicated to the promotion, advancement, education and training of the industry, for the protection of our environment and the health, safety and comfort of society.

Best people. Best practices ^TM