Businesses that are operating during the pandemic face an increased risk of disease transmission within their facilities. This could potentially lead to increased liability for illnesses or losses incurred as a result of poor operational strategy. Whether your business has been shut down for months or if you are getting ready to ramp back up to full operations after a slow down, there are ways you can manage the risk associated with SARS-Cov-2 transmission.
1. Implement Sanitizing Processes
It almost goes without saying that you will need to implement a process of increased sanitation. This includes continuous wiping of high contact surfaces such as door handles, light switches, computers, phones and bathroom surfaces. Use a high-quality sanitizing spray that has been approved by the EPA or WHO for virus particles. If possible, increase the rate of air exchange or introduce outside air to reduce virus particle concentration.
2. Use Screening Tools
Encouraging workers who are sick to stay home will help reduce the number of sick people in the workplace. However, since some people may experience mild or no symptoms, you should consider asking everyone reporting to work to complete a health screening self-check. Arrange for anyone reporting symptoms through the tool to receive the proper care and testing, and alert other employees if test results come back positive.
3. Consult With Your Insurance Company
Your insurance company is a valuable tool in minimizing business risks. That includes the increased risks associated with the COVID-19 pandemic. Talk to your agent about any special coverages you may need to add at this time. If cost is an issue, consider looking into captive insurance companies. These member-based systems are designed to offer affordable coverage for the things you need most.
As with any business decision, you should follow the laws and regulations that apply in your area. Deciding to open against local shutdown orders could greatly increase your risk of liability if someone gets sick in your business.