HOME AGENTS EMPLOYERS WORKERS ABOUT UBIC MY ACCOUNT Workers Compensation Insurance Working Together to Lessen The Impact of COVID-19 OPTIONS FOR HELPING COMPANIES FREQUENTLY ASKED QUESTIONS GUIDELINES FOR COVID-19 AND OTHER HELPFUL RESOURCES These are unprecedented and difficult times for all of us. We want to partner with you to help businesses impacted by COVID-19 through these uncertain economic times. Here are several options for how we will help companies whose payroll projections may have changed recently. If requested, we will provide the following options: The business is temporarily shut down (no payroll currently): Provide the payroll amount paid to date for the current policy term We will endorse the policy and coverage will remain in effect This should result in a significant reduction in premium or no additional premium, depending on how long coverage has been in force We will follow up within 60 days to determine if the business status has changed and if the estimated payroll should be updated The business temporarily reduces staff: Provide payroll amount paid to date, plus the estimated annual payroll for the remainder of the current policy term based on the remaining staff We will endorse the policy and the endorsement credit will be spread over the remaining unbilled invoices This should result in a significant reduction in premium or no additional premium, depending on how long coverage has been in force We will follow up within 60 days to determine if the business status has changed and if the estimated payroll should be updated Business is closed: The policy will be canceled pro-rata and we will work with the client to have the audit processed as soon as possible or to audit as reported if that is feasible. Payment Plans: Payment amounts can be adjusted as necessary, depending on the length of time remaining in the current policy term Non-Compliant Payroll Audits: We will continue to contact the insured/agent for payroll information on non-compliant audits We recognize we may have to allow additional time to obtain the payroll information. This will be handled on a case-by-case basis Non-compliant audits will not be processed without referral to the Underwriter Cancellations and Non-renewals: To assist those clients whose businesses have been impacted by the COVID-19 virus, we will be temporarily suspending cancellations and non-renewals from March 13 through May 15, 2020* This suspension does include cancellations for non-payment of premium. It is not a waiver of premium; it is an extension of time for the policyholder. After the 60 days, the policyholder will need to resume premium payments We will work with those policyholders in paying the premiums which were due during the 60-day suspension to provide a payment plan or to extend their previous payment schedule. *this does not include cancellations or non-renewals for reasons of fraud on the part of an insured Should you have any questions, please reach out to your UBIC team – Account Services, Marketing, and Underwriting via telephone or email. You may also email: customerservice@utahbic.com We appreciate your trust and confidence in placing your client’s workers’ compensation coverage with UBIC. Please continue to be safe. Frequently Asked Questions: Is COVID-19 compensable under state workers' compensation acts? A business has suspended operations due to COVID-19, but continues to pay employees, although they are at home and not working. Is this payroll included in premium calculations for workers' compensation? An employer has limited operations due to COVID-19. As a result, some employees are placed into new roles for the duration of the pandemic. What classifications could be assigned to these employees? Does Basic Manual Rule 1-F Changes or Corrections to Classifications, provide guidance for employers impacted by COVID-19? CDC Guidelines for Symptoms, How to Protect Yourself and What do if you are sick: Symptoms How to Protect Yourself What To Do if You Are Sick OSHA Standards That May Apply to Coronavirus Disease 2019 (COVID-19) COVID-19 Standards State Assistance Information Missouri Nevada Utah Utah - Protecting High-Risk Individuals Families First Coronavirus Response Act Poster for Employers with fewer than 500 employees: FFCRA Poster For up-to-date information from the CDC, please see the links below: CDC COVID-19 Control and Prevention Website U.S. Case Numbers Coronavirus Global Cases Dashboard CDC: Interim Guidance for Businesses and Employers to Plan and Respond to COVID-19 info@utahbic.com (801) 889-1300 10421 S Jordan Gateway Blvd, Suite 400 South Jordan, UT 84095 © 2021 UBIC WORKERS COMPENSATION