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Coronavirus — What You Need to Know

With the recent increase in the number of confirmed cases of the coronavirus in the U.S., many customers have inquired of potential insurance coverages that may be available to respond to an outbreak of the coronavirus. CM Regent has been closely monitoring the situation and has compiled resources available below.

Here is an information sheet that addresses commonly asked coverage-related questions.

We recommend you take all necessary precautions to prevent the spread of the coronavirus. Additional information on the coronavirus and preventative steps that can be taken to limit the spread of the virus can be found on the Center for Disease Control and Prevention’s website:

Extended Safety Committee Requirements

Provided by the Pennsylvania Department of Labor and Industry.
FAQs for Safety Committees during the COVID-19 Crisis
  1. Can our safety committee miss monthly meetings during the COVID-19 crisis?
    The Bureau of Workers’ Compensation commends all employers for making the safety of their employees a priority – especially when dealing with COVID-19. The Bureau recognizes what an asset a safety committee can be during a crisis. However, we will not view the lack of in-person safety committee meetings as an issue of non-compliance. When evaluating compliance with the regulations, the safety committee process is evaluated for a three-year period. The inability to hold meetings during this defined crisis period will not impact that evaluation. In addition, we do not intend to require employers focused on getting operational again to double-up on safety committee meetings.
  2. What happens if all committee members do not receive their annual training?
    Annual training can be conducted anytime during the safety committee’s policy period. Training is not required to be the last step prior to submitting a renewal application. As a result of the COVID-19 crisis we understand that many safety committees will be unable to meet to receive the training. Health and Safety will continue offering the certification at least once a week throughout the COVID-19 situation. Committee members can register for certification training by going to the PATHS training calendar at Once registered, you can log in from home as long as you have a cell phone, tablet or computer with internet access. In instances where all committee members are not trained we will not view the lack of training as an issue of noncompliance.
  3. Will there be any extensions to the certification deadline to get our initial or renewal application submitted?
    We encourage everyone to attempt to submit their applications via HandS within the regulated timeframe of 90-30 days prior to the policy renewal for initial applications and 90-15 days prior to the policy renewal for renewal applications. We understand that the evolving COVID-19 situation is affecting everyone’s ability to maintain normal operations; for this reason we will allow for late submissions of safety committees that have deadlines that fall during the defined crisis period. Once your company resumes daily operations contact BWC, Health & Safety at
Provided by the Pennsylvania Department of Labor and Industry. For more information, click here.

The 2019 Novel Coronavirus (COVID-19) is a virus first detected in Wuhan, China, that has caused an outbreak of respiratory illness. The current outbreak has spread internationally, impacting an increasing number of countries. In the United States, imported cases of coronavirus infection in travelers have been detected and person-to-person spread of the virus also has been seen among close contacts of returned travelers from China. On February 25, 2020, the CDC confirmed COVID-19 in an individual who reportedly did not have relevant travel history or exposure to another known patient.

According to the Centers for Disease Control and Prevention (CDC), most people in the United States have little immediate risk of exposure to this virus. The virus is not currently spreading widely in the United States. However, it is likely that person-to-person spread will continue to occur and that, at some point, widespread transmission of COVID-19 in the United States will occur.

Action Steps

  1. Stay informed – the situation with the coronavirus is fluid and the CDC is updating its website daily with the latest information and advice for the public.
  1. Remember to take everyday preventive actions that are always recommended to prevent the spread of respiratory viruses:
    • Avoid close contact with sick people.
    • While sick, limit contact with others as much as possible. Stay home if you are sick.
    • Cover your nose and mouth when you cough or sneeze. Avoid touching your eyes, nose and mouth. Germs spread this way.
    • Clean and disinfect surfaces and objects that may be contaminated with germs.
    • Wash your hands often with soap and water for at least 20 seconds. If soap and water are not available, use an alcohol-based hand rub with at least 60% alcohol.
  1. The CDC and State Department have issued advisories asking people to avoid all nonessential travel to China and South Korea at this time. Travel alerts have also been issued for Japan, Italy and Iran.

Given the rapidly-evolving situation with COVID-19, it is prudent to revisit your organization’s emergency preparedness plans, including any pandemic planning. The CDC has made pre-pandemic planning guides available for community and faith-based organizations, educational institutions, workplaces and individual households.

Complimentary Zoom Access for PSBA Member Districts

The Pennsylvania School Boards Association and CM Regent® Insurance Company have teamed up to provide PSBA member districts free access to Zoom video conferencing services for one year. Follow this link to register.

PSBA Podcast – The Cost of Public Education During COVID-19 and Beyond. The PA State budget, school district budgets and the highest unemployment rate since the Great Depression — how does all of this fit into the funding our school districts require to continue educating students and serving their communities? In this episode of Keystone Education Radio, PSBA Chief Advocacy Officer John Callahan and Director of Research Andrew Christ join host Annette Stevenson to discuss the misnomer about reduced expenses during school closures, mandated expenses on-the-increase, the detrimental impacts of proposed property tax freezes and highlights of the pre-coronavirus data featured in the 2020 State of Education report.  Listen online or with your favorite podcast app.

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