We realize that these times continue to be challenging for all, and both time and resources are precious. Because of this, we are being selective about our communication with you.  Our goal is to be here to help by providing timely resources and assure that your risks during this evolving time are identified and protected. Changes in operations can impact your insurance! Please contact our office if any of the following are now part of your business operations – even if temporary - so we can discuss your specific situation to determine what, if any, adjustments are needed to your insurance program: You have employees working remote outside of MA/your primary state of operation  You are using the services of any temporary employment agency You do deliveries that were not part of your prior operations You offer beer and/or wine with take out food orders You own a building that the tenant(s) are not using to conduct their customary operations You are a tenant, are not operating your business, and are not maintaining business property that would be required to conduct your customary operations You have some level of off-site work that requires connection to your business network

Additional Workers Compensation and General Liability Considerations

If you have experienced a reduction in your workforce and anticipate the payroll for your Workers' Compensation policy term to be less than projected, we can discuss with your carrier issuing a mid-term endorsement rather than awaiting the audit at policy expiration. Likewise, if your liability policy premium is based on payroll or sales, and you anticipate either to be less than projected, we can request a mid-term endorsement adjusting.  Both policies would still be subject to the standard audit upon expiration . Please contact us if you wish a mid-term endorsement processed.

Many are questioning if the money still paid to employees who are not working must be included at the time of their audit. At this point, the answer is yes. However, there could be filings made that would allow for the exclusion of this specific payroll, and we will continue to monitor this situation.   We strongly recommend that you keep clear records if you are paying employees that are not working and/or have employees whose jobs have changed as a result of the pandemic . You will need to have these records at audit if determined that they are excludable .

If it matters to you, it matters to us!  413-243-0089 (p) 413-243-0467 (f) www.TooleInsurance.com