Coronavirus Resource Guide for Businesses

(Updated 6/24/2020 2:30 pm) – This page will be updated with new and relevant resources as they become available. If you have information you’d like to share with the Dayton Region’s business community regarding (COVID-19), please email us.

Employer Relief Resources & Information

STATE OF OHIO SMALL BUSINESS GRANTS

Lt. Governor Jon Husted announced the creation of new programs to help small and medium-sized businesses in Ohio during the COVID-19 pandemic. The programs outlined below will be administered by the Ohio Development Services Agency.

Ohio small businesses can learn more about these and other resources available through the Office of Small Business Relief and Development at Coronavirus.Ohio.Gov/BusinessHelp. For information about the grant programs listed below, click “Business and Nonprofit Support” once on the state’s page.

Ohio PPE Retooling & Reshoring Grant Program: This program will provide awards of up to $500,000 to small and medium-sized manufacturers so they can repurpose existing facilities to make PPE or reshore PPE production to Ohio. These grants will allow small manufacturers and other entities an opportunity to create new business while contributing to the fight against COVID-19.

    • The applicant must qualify as a small business as defined by the SBA (typically 500 employees or fewer) or be an established nonprofit.
    • The applicant must be able to produce the PPE solely at an Ohio facility owned and operated by the applicant.
    • The applicant must be one of the following:
      • An existing manufacturer that either has retooled or is planning to retool its facility or otherwise modify its manufacturing operation to produce at least one type of PPE.
      • A new manufacturing operation being established for the purpose of manufacturing at least one type of PPE.
      • A nonprofit corporation that has undertaken or will undertake activities necessary to manufacture at least one type of PPE.

Grant funds can be used to offset costs incurred to acquire equipment necessary to manufacture PPE, retool, or construct facilities in Ohio to manufacture PPE (including, but not limited to, building costs, design/engineering costs, facility expansion, complying with FDA requirements) and technological upgrades. Only costs incurred after March 21, 2020, (the date of Governor DeWine’s state of emergency declaration in Ohio due to COVID-19) will be eligible for reimbursement.

The grant program will be funded with $20 million, and eligible manufacturers may be awarded grants of up to $500,000 per facility. Up to 20 percent of available funding may be reserved for manufacturers with fewer than 25 employees and registered nonprofits.

Companies must meet program requirements, including:

Development will administer the grant program in coordination with the Ohio Department of Administrative Services, the Ohio Department of Health, the Ohio Hospital Association, the Ohio Manufacturers’ Association, JobsOhio, and the Ohio Manufacturing Extension Partnership.

Ohio Minority Micro-Enterprise Grant Program: The $5 million program will provide grants to help businesses owned and operated by minorities and women in response to the COVID-19 pandemic.

Eligible businesses can apply for grants of $10,000 per business on a first-come, first-served basis. This will provide access to much needed capital for up to 500 minority- and women-owned businesses to continue operating now and to prepare for the future.

State-certified Minority Business Enterprises (MBE) and/or women-owned businesses with state certification in the Encouraging Diversity Growth and Equity (EDGE) Program with up to $500,000 in annual revenue and 10 or fewer employees are eligible. Businesses that have received federal assistance through the federal CARES Act are not eligible.

PUBLIC AWARENESS CAMPAIGNS

The State of Ohio launched a new public awareness campaign aimed at spreading awareness of COVID-19 prevention measures that impact the well-being of Ohioans and the Ohio economy.

The first campaign, called “I Believe,” focuses on real Ohioans and the prevention measures they take to prevent the spread of COVID-19.

 

The second campaign, called “Up to All of Us,” focuses on the importance of taking proper preventative precautions, such as maintaining social distance and washing hands, to get Ohioans back to work and Ohio’s economy working again.

MONTGOMERY COUNTY SMALL BUSINESS GRANTS

2020 CARES Grants: Through the Office of CARES Act, Montgomery County will distribute $40 million to help small businesses impacted by the COVID-19 pandemic. Businesses will have until November 30, 2020 to apply, or until CARES Act funds are depleted. Read the complete details, including eligibility requirements, and submit an online application

UNEMPLOYMENT (ODJFS)

SBA ECONOMIC INJURY DISASTER LOANS

  • The CARES Act (signed 3/27/2020) made significant changes to the SBA’s Economic Injury Disaster Loans (EIDL’s). Below is an overview provided by the US Chamber of Commerce.
    • Loans can be made based solely on credit scores.
    • Loans available to all non-profits, including 501(c )(6)s.
    • Loans below $200,000 can be approved without a personal guarantee.
    • Borrowers can receive $10,000 cash advances that are forgiven if spent on paid leave, maintaining payroll, increased costs due to supply chain disruption, mortgage or lease payments, or repaying obligations that cannot be met due to revenue losses.
      • If you submitted your Economic Injury Disaster Loans before March 30th, you will need to reapply in order to select the option to receive the $10,000 cash advance that may be forgiven
  • Apply here for Economic Injury Disaster Loans
  • All lenders (non-SBA lenders to be approved by Treasury and SBA) can provide loans. Here is a list of the Dayton area SBA Preferred Lending Partners (PLP) that provided their name and contact information to the Dayton Area Chamber of Commerce.
  • Download a PowerPoint overview of the SBA Economic Injury Loan application process and requirements. *Updated after CARES Act was passed*
  • If you anticipate your member business will need financial assistance in the form of an Economic Injury Disaster Loan, please let your chamber know, so we may keep you up to date with changes. Email us at daytonchamber@dacc.org to be added to our SBA Assistance communications list.
  • The chamber hosted a webinar on April 2, 2020 with the Dayton representative from the SBA regarding Economic Injury Loans, the application process, and details surrounding lending decisions. Watch the webinar.

The SBA will continue to support small businesses through this difficult time, and are urged to visit www.sba.gov/coronavirus and follow @SBA_Columbus on Twitter or sign up for their newsletter for more updates.

WORKERS’ COMPENSATION

  • The Ohio Bureau of Workers’ Compensation (BWC) announced that insurance premium installments due for March, April and May for the current policy year may be deferred until June 1, 2020. Read a list of FAQs from the Ohio BWC. (Updated 3/26/2020)
  • The Ohio BWC has made temporary policy changes regarding the use of telemedicine services for injured workers and medical documentation. We’ve also gathered general guidance for workers’ comp for Work from Home employees. Read more. (Courtesy CareWorks Comp, added 3/24/2020)

OHIO UTILITIES

Ohio utility companies are providing relief for business and residential ratepayers during the COVID-19 pandemic by developing payment options and ceasing disconnections for overdue customers. Although all Ohio utilities have ceased suspensions, some of them were unable to stop the disconnection notices. The utilities will not follow through with those disconnections.

If you have any questions or concerns about your utility connections, please contact your utility provider, or visit the PUCO website.

FEDERAL TAX RELIEF

Treasury Secretary Steven Mnuchin announced the deadline for filing 2019 federal tax returns will be postponed 3 months to July 15, 2020. The due date for estimated federal tax for 2020 has also been postponed from April 15, 2020 until July 15, 2020 as described in section III of the IRS publication. Read more.

DISASTER PAYMENTS TO EMPLOYEES

Employers Can Immediately Provide Tax-free Qualified Disaster Payments to Employees in Connection with COVID-19. Read more from chamber member Brixey & Meyer.

SHAREDWORK OHIO – ALTERNATIVE TO LAYOFFS FOR EMPLOYERS

Allows workers to remain employed and employers to retain their staff during times of reduced business activity. Under a SharedWork Ohio plan, employers reduce hours to avert a layoff.  The participating employee works the reduced hours, and the Ohio Department of Job and Family Services provides an unemployment insurance benefit proportionate to their reduced hours. Read more.

OHIO TECHCRED PROGRAM
Please encourage employees to be trained during this downtime. The TechCred program will reimburse employers up to $2,000 per credential (cap of $30,000 per company). Trainings/credentials can be taken right away but the application needs to be completed before March 31. Learn more.

  • Chamber members: A recording of a recent webinar on TechCred is available to you in the Resources section of your Member Hub. Log in.

State of Ohio Updates

RESPONSIBLE RESTARTOHIO:

Federal Updates

  • An historic federal stimulus package known as the Coronavirus Aid, Relief and Economic Security (CARES) Act was signed by President Trump on 3/27/2020. Read the US Chamber’s summary of what relief is included in the CARES Act
    • The CARES Act allocates $350 billion to help small businesses keep workers employed amid the pandemic and economic downturn.
    • The Paycheck Protection Program (PPP) provides 100% federally guaranteed loans to small businesses.
      • Eligible recipients may qualify for a loan up to $10 million determined by 8 weeks of prior average payroll plus an additional 25% of that amount.
      • Loan payments will be deferred for six months.
      • If you maintain your workforce, SBA will forgive the portion of the loan proceeds that are used to cover the first 8 weeks of payroll and certain other expenses following loan origination.
      • All lenders (non-SBA lenders to be approved by Treasury and SBA) can provide loans. Here is a list of the Dayton area SBA Preferred Lending Partners (PLP) that provided their name and contact information to the Dayton Area Chamber of Commerce.
    • Loans may be forgiven if borrowers maintain their payrolls during the crisis or restore their payrolls afterward.
    • Download a PPP Information Sheet for Borrowers from the U.S. Treasury.
  • The US Chamber of Commerce has a small business guide and checklist for emergency loans.
  • The Federal Reserve cut interest rates to zero on 3/15/2020 in response to COVID-19. This move is in an effort to encourage,  support of businesses who will suffer financial injury during quarantine times. Find details here.
  • Employee Leave Changes (HR6201)
    • The Families First Coronavirus Response Act was signed by President Trump on 3/18/2020 and made the following requirements regarding employee leave (note private businesses with at least 500 employees are not covered)
      • Paid Family Leave: Provides workers with two-thirds of their wages for up to 12 weeks when employees can’t work because their child’s school or child care service is closed due to a public health emergency. Benefits will be capped at $200 a day (or $10,000 total).
      • Paid Sick Leave: Employers will have to provide 80 hours of paid-sick-leave benefits for several reasons, including if the employee has been ordered to quarantine, has symptoms of COVID-19 or are caring for someone in quarantine. Paid-sick-leave benefits will be capped at $511 a day for a worker’s own care and $200 a day when the employee is caring for someone else.
      • Provides payroll tax credits for employers required to provide emergency paid sick leave or family medical leave under the bill.
      • Establishes comparable sick leave and family leave income tax credits for self-employed workers.
      • Provides 100% federal funding, up from 50%, for extended unemployment benefits.
    • Download a template COVID-19 Leave Request Form provided by chamber member, Taft/
    • Read more about this Federal Bill from SHRM.

CDC Updates

 

Member-to-Member Resources

Downloadable Workplace Postings

Response Resources for Businesses

PANDEMIC GUIDANCE

The link above contains a brief outline of how to prepare before and respond during a pandemic by Ready.gov, official website of the Department of Homeland Security.

TRAVEL INFORMATION (CDC)

This page offers current travel warning, alert and watches, as well as destinations with risk of community spread.

COVID-19 SAFETY AND HEALTH STANDARDS, CONTROL & PREVENTION

An overview of information for workers and employers about the evolving Coronavirus outbreak. Includes links to OSHA standards, control and prevention, by Occupational Safety and Health Administration (OSHA)

U.S. CHAMBER OF COMMERCE CORONAVIRUS RESOURCES

A resource page by the U.S. Chamber of Commerce Foundation, including links to Resilience in a Box and Disaster Preparedness and Recovery Quick Guides.

 

Business Continuity Planning

BUSINESS PANDEMIC INFLUENZA PLANNING CHECKLIST (HHS & CDC)

The Department of Health and Human Services (HHS) and the Centers for Disease Control and Prevention (CDC) have developed the following checklist for large businesses. It identifies important, specific activities large businesses can do now to prepare, many of which will also help you in other emergencies.

PANDEMIC PREPAREDNESS PLANNING FOR U.S. BUSINESSES WITH OVERSEAS OPERATIONS (CDC)

The United States Government has created the following guide to help U.S. businesses with overseas operations prepare and implement pandemic business continuity. This is a list of suggestions and can serve as a starting point for developing a comprehensive plan. The checklist highlights actions applicable to businesses of all sizes, although each item does not necessarily apply to every overseas business.

LEGAL GUIDANCE ON WORKPLACE PANDEMIC PLANNING (EEOC)

This technical assistance document provides information about Titles I and V of the Americans with Disabilities Act (ADA) and pandemic planning in the workplace. It identifies established ADA principles that are relevant to questions frequently asked about workplace pandemic planning such as:

  • How much information may an employer request from an employee who calls in sick, in order to protect the rest of its workforce when an influenza pandemic appears imminent?
  • When may an ADA-covered employer take the body temperature of employees during a pandemic?
  • Does the ADA allow employers to require employees to stay home if they have symptoms of the pandemic influenza virus?
  • When employees return to work, does the ADA allow employers to require doctors’ notes certifying their fitness for duty?
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