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Associated Benefits and Risk Consulting - Global


Responding to mental health needs during unsettled times

As states cautiously re-open and medical professionals brace for a potentially busy summer caring for people infected with COVID-19, protests have flared up nationwide sending hundreds of thousands of people into the streets to demand justice and systemic change. With emotional and physical stress already high from the fear, change and uncertainty surrounding the pandemic, the additional grief and trauma of the current social unrest, could trigger a further increase in the already anticipated higher need for mental healthcare.

Is your disaster recovery plan ready for ongoing and future disruptions?

Recent business impact from the COVID-19 pandemic and nationwide protests have left many employers wishing they had been better prepared to respond to such significant disruptions and uncertainty. When a disaster or emergency situation occurs, time is of the essence for employers to respond. A failure to do so timely and effectively can be the difference between your organization surviving and your operations being interrupted so significantly that it ultimately fails. 

Civil unrest and business insurance

Unfortunately, no one has a crystal ball that can predict when and where civil unrest will occur. The good thing is that if a business has the proper insurance policies in effect, it most likely already has some type of protection for such damages. But statistics show us that only roughly half of businesses are covered by these policies, putting themselves at significant risk, especially those businesses that are more prone to being subjected to civil unrest. Most small and medium employers (those with up to 100 employees), should have businessowner policies (“BOPs”) that cover property, liability, and business income protection when the business is closed due to damages.