gasparinsurance.com

If your jewelry collection exceeds your homeowners’ jewelry limits, a Personal Article Floater is a viable option. A Personal Article Floater is a policy that covers high-value items, such as jewelry, to be covered by a significantly higher level of monetary value protection than your homeowners’ policy. For example, an accidental break or natural disaster would be covered by a Personal Article Floater, but not a stand-alone homeowners policy. Contact your agent to add a Personal Article Floater to your home insurance policy.

Businesses may face increased risks during periods of public protests and civil unrest, which can threaten employees, disrupt operations, and damage property. Urge employees to avoid city centers and districts where protests and riots may occur; promote virtual meetings where possible to avoid travel to these areas. * Ask employees to remain alert for unusual activity at or near company facilities—and outline any steps they should take in response. Develop or update your business continuity plan to help your company resume operations quickly after any disruptions caused by civil unrest or other events.

* The employee tested positive for COVID-19 within 14 days after working at the employer’s location, AND The positive test occurred during an “outbreak” at the employer’s specific location. If an employer has 100 employees or less at a specific location and four or more employees test positive for COVID-19; OR If an employer has more than 100 employees at a specific location and 4% of the employees test positive for COVID-19; OR The local public health department, State Dept. of Public Health or OSHA or school superintendent, orders the specific place of employment to close due to the risk of COVID-19 infection. If an employer has 100 employees or less at a specific location and four or more employees test positive for COVID-19; OR If an employer has more than 100 employees at a specific location and 4% of the employees test positive for COVID-19; OR

A specific place of employment is ordered to close by a local public health department, the State Department of Public Health, OSHA, or a school superintendent due to a risk of infection with COVID-19 For claims involving health care workers, peace officers, firefighters and other frontline workers, the presumption of compensability applies in most cases with a positive COVID-19 test with a 30 day investigation period. * Positive test occurred July 6 through September 16 Any employer who is aware of an employee testing positive shall report to their claims administrator, within 30 business days of the effective date of this section * Date the employee tests positive and date the specimen was collected for testing * Address(es) of the employee’s specific place(s) of employment during the 14-day period preceding the date of the employee’s positive test * Highest number of employees who reported to work at the employee’s specific place of employment in the 45-day period preceding the last day the employee worked at each specific place of employment For positive test dates July 6 to September 16: The employer is to report the highest number of employees who reported to work at each of the employee’s specific places of employment on any given workday July 6 through September 16