{"id":54,"date":"2021-01-18T21:23:29","date_gmt":"2021-01-18T21:23:29","guid":{"rendered":"https:\/\/www.enterpriseia.com\/?p=54"},"modified":"2023-01-17T17:18:14","modified_gmt":"2023-01-17T17:18:14","slug":"4-things-to-do-if-your-business-isnt-insured-for-covid-19","status":"publish","type":"post","link":"https:\/\/www.enterpriseia.com\/en\/4-things-to-do-if-your-business-isnt-insured-for-covid-19\/","title":{"rendered":"4 COSAS QUE DEBE HACER SI SU EMPRESA NO EST\u00c1 ASEGURADA PARA COVID-19

4 Things To Do If Your Business Isn’t Insured For Covid-19"},"content":{"rendered":"
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4 COSAS QUE DEBE HACER SI SU EMPRESA NO EST\u00c1 ASEGURADA PARA COVID-19

4 Things To Do If Your Business Isn’t Insured For Covid-19<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Actualmente las peque\u00f1as empresas est\u00e1n recurriendo a diferentes p\u00f3lizas de seguro que las ayuden a mantenerse a flote, sin embargo, las p\u00f3lizas est\u00e1ndar de negocios no cubren COVID-19, provocando que cada vez sea m\u00e1s dif\u00edcil mantener sus puertas abiertas durante esta pandemia.<\/span><\/p>

Desde el inicio del confinamiento en marzo, se han generado m\u00e1s de 1,000 demandas por interrupci\u00f3n de negocios <\/span><\/strong>por parte de empresas que mantienen la esperanza de cubrir algunos de los obst\u00e1culos financieros que ha dejado la pandemia. \u201cUna exclusi\u00f3n por p\u00e9rdidas causadas por la pandemia – Exclusi\u00f3n de p\u00e9rdidas debidas a virus o bacterias – se ha incorporado a las pol\u00edticas est\u00e1ndar de interrupci\u00f3n de negocios desde 2006, despu\u00e9s del brote de SARS \u201d, dice Mark Friedlander, Director de Comunicaciones Corporativas del Insurance Information Institute<\/span><\/strong>.\u00a0<\/p>

Seis estados diferentes, incluido New Jersey<\/span><\/strong>, han propuesto una legislaci\u00f3n que aclara que la cobertura de interrupci\u00f3n comercial de las p\u00f3lizas de propiedad se extiende a las p\u00e9rdidas atribuibles a la pandemia del coronavirus y al distanciamiento social.<\/p>

Estos son los pasos que puede seguir para asegurarse de que su empresa resista la pandemia:<\/p>

1. Actualice su Presupuesto de Emergencia<\/b><\/h2>

Seg\u00fan el \u00faltimo Informe referente a la econom\u00eda del pa\u00eds<\/span><\/strong>, sobre todos los cierres de empresas, el 41% permanecer\u00e1 cerrado de forma permanente, y es un n\u00famero que aumenta constantemente.<\/p>

Actualmente pasamos de medir los impactos de la pandemia en semanas a meses y posiblemente esto se extienda a a\u00f1os, es por ello que los presupuestos establecidos deben empezar a considerar esos tiempos, ya que los planes desde el inicio del distanciamiento social ya no son realistas.<\/p>

Es importante que considere hacer todo lo posible para reducir costos, como minimizar los viajes y suspender los proyectos que no sean vitales. Con la Reserva Federal recortando
las tasas de inter\u00e9s al 0% en marzo, ahora es un buen momento para obtener un pr\u00e9stamo o financiar uno actual por una tasa m\u00e1s baja, esto puede ayudarlo a mantenerse al d\u00eda con los precios de alquiler, otros gastos y compensar los ingresos que se est\u00e1n perdiendo.<\/p>

income you\u2019re losing.<\/span><\/p>

2. Busque recursos federales y estatales<\/b><\/h2>

Las organizaciones federales, estatales y locales est\u00e1n ofreciendo pr\u00e9stamos y subvenciones a los due\u00f1os de negocios como una ayuda y soporte ante los ingresos que est\u00e1n dejando de recibir. Empresas como Amazon y Facebook tambi\u00e9n han prometido millones en ayudas a las peque\u00f1as empresas que se enfrentan a esta dif\u00edcil situaci\u00f3n .<\/p>

\u201cLas empresas buscan opciones de pr\u00e9stamos alternativas para compensar los fondos perdidos\u201d, dice Gray Idol, cofundador de Payroll Funding. \u201cUn programa que me viene a la mente es el pr\u00e9stamo puente expreso de la SBA. Est\u00e1 ah\u00ed para ayudar a las empresas hasta que puedan obtener dinero de otros lugares. Se llama pr\u00e9stamo \u00abpuente\u00bb, ya que \u00abcierra la brecha\u00bb entre las fuentes de ingresos \u00ab.<\/p>

Opci\u00f3n de Pr\u00e9stamos Federales<\/b><\/h3>
  • Programa de protecci\u00f3n de cheques de pago\u00a0<\/b>\u2014\u00a0Gracias a la segunda ronda de financiaci\u00f3n del Congreso, las peque\u00f1as empresas a\u00fan pueden solicitar un pr\u00e9stamo PPP.<\/li>
  • Pr\u00e9stamos por da\u00f1os econ\u00f3micos por desastre<\/b> \u2014\u00a0Si su empresa est\u00e1 experimentando una p\u00e9rdida temporal de ingresos, puede solicitar un EIDL a trav\u00e9s de la Administraci\u00f3n de Peque\u00f1as Empresas de EE.UU.<\/li>
  • Alivio de la deuda de la SBA<\/b> \u2014Si bien no est\u00e1 disponible para pr\u00e9stamos del Programa de protecci\u00f3n de cheques de pago o pr\u00e9stamos por desastre por da\u00f1os econ\u00f3micos, la SBA ofrece seis meses de alivio del capital, intereses y tarifas para micropr\u00e9stamos actuales distribuidos antes del 27 de septiembre.<\/li>
  • Pr\u00e9stamos puente expresos de la SBA\u00a0<\/b>\u2014\u00a0Las empresas que ya tienen una relaci\u00f3n con un prestamista expreso de la SBA pueden acceder hasta $ 25,000 USD.<\/li><\/ul>

    Opciones de ayuda y pr\u00e9stamos en todo el estado<\/span><\/b><\/span><\/p>

    • Programa de subvenciones comerciales COVID-19 del condado de Riverside<\/b> \u2014\u00a0Disponible para empresas sin fines de lucro en San Francisco, los pr\u00e9stamos pueden totalizar hasta $ 50,000 USD con plazos de hasta seis a\u00f1os.<\/li>
    • Fondo de resiliencia para peque\u00f1as empresas de Chicago\u00a0<\/b>\u2014\u00a0Al ofrecer pr\u00e9stamos a bajo inter\u00e9s de hasta $50,000 USD, en los que puede calificar dependiendo la cantidad de los ingresos anteriores al COVID que ten\u00eda su empresa.<\/li>
    • Programa de garant\u00eda de cartera de pr\u00e9stamos de Louisiana\u00a0<\/b>\u2014\u00a0Si su empresa tiene menos de 100 empleados, puede solicitar un pr\u00e9stamo de hasta $ 100,000 USD sin pagos ni intereses adeudados durante los primeros seis meses.<\/li><\/ul>

      Puede encontrar una lista m\u00e1s extensa de asistencia financiera estatal de la Fundaci\u00f3n de la C\u00e1mara de Comercio de EE.UU.<\/p>

      3. Verifique su contrato de arrendamiento y hable con el propietario\u00a0and talk to you landlord<\/b><\/h2>

      Dado que los cierres econ\u00f3micos han reducido dr\u00e1sticamente los ingresos, pagar el alquiler se ha convertido en una gran lucha para muchos propietarios de peque\u00f1as empresas. Ahora es el momento de revisar los t\u00e9rminos de su contrato de arrendamiento y hablar con el propietario, ya sea para evitar cargos por pagos atrasados o elaborar un plan de pago que se acomode a las circunstancias actuales, esto puede traer beneficios por m\u00ednimos que sean.\u00a0<\/p>

      Los propietarios tambi\u00e9n se han visto afectados por la pandemia, ya que muchos estados y localidades todav\u00eda tienen protecciones contra el desalojo para los inquilinos que no hacen los pagos. Lo que significa que es m\u00e1s probable que los propietarios est\u00e9n prestos a\u00a0 trabajar con usted y acordar pagos o cifras que ambos acuerden para el pago del alquiler cada mes. Cuando se llegue a un acuerdo, aseg\u00farese de que los cambios est\u00e9n documentados y que su contrato de arrendamiento est\u00e9 actualizado.<\/p>

      4.\u00a0Habla con proveedores y prestamistas<\/b><\/h2>

      Si la cantidad de negocios que obtiene se ha reducido, puede intentar reducir su pedido de suministro y env\u00edo. Tener que adaptarse a la cantidad de clientes que puede atender, est\u00e1 directamente relacionado a la cantidad que necesita de los vendedores y los proveedores, los cuales le podr\u00edan permitir pagar precios que se acomoden a sus necesidades y le permitan recuperarse.<\/span><\/p>

      El gobierno de EE. UU. Tiene la capacidad de asumir los fondos necesarios para mantener abiertas las peque\u00f1as empresas. Los diversos pr\u00e9stamos y subvenciones federales y estatales est\u00e1n disponibles para cubrir los costos que se recaudan, incluso si los ingresos no lo hacen. Todav\u00eda hay acciones que puede tomar si su empresa est\u00e1 luchando por minimizar los costos y asegurar su futura reapertura.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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      Small Businesses are turning to ther insurance policies to help them stay afloat but standard business interruption policies don\u2019t cover COVID-19 and the struggle to keep their doors open during this pandemic only increases.<\/p>

      Since March there have been more than 1,000 business interruption lawsuits<\/b><\/span> hoping to get cover for some of the financial hurdles \u201cAn exclusion for pandemic-caused losses \u2014 Exclusion of Loss Due to Virus or Bacteria \u2014 has been incorporated into standard business interruption policies since 2006, following the SARS outbreak,\u201d says Mark Friedlander, the Director of Corporate Communications for the Insurance Information Institute<\/span><\/strong>.<\/p>

      Six different states including New Jersey<\/strong><\/span> have proposed legislation clarifying that property policies\u2019 business interruption coverage extends to losses attributable to the coronavirus pandemic and social distancing.<\/p>

      Here are the steps you can take to make sure your business endures the pandemic.<\/p>

      1. Update your emergency budget<\/b><\/h2>

      According to Yelp\u2019s latest Economic Average Report<\/span><\/strong>, of all the business closures, 41% will remain closed permanently. The number of businesses closing for good is steadily increasing.<\/p>

      Instead of measuring the pandemic\u2019s impacts in weeks, we\u2019ve shifted to months and potentially years \u2014 the budgets put in place need to reflect that. The plans from the beginning of social distancing aren\u2019t realistic anymore.<\/p>

      Consider to do anything you can to cut costs like minimizing travel and putting projects on hold. With the Federal Reserve cutting interest rates to 0% back in March, now\u2019s a good time to get a loan or finance a current one for a lower rate, this can help you keep up with rent prices, other expenses and make up for the income you\u2019re losing.<\/p>

      2. Look into federal and statewide resources<\/b><\/h2>

      Federal, state and local organizations are offering loans and grants to business owners to supplement the revenue that\u2019s not coming in. Companies like Amazon and Facebook have also pledged millions in relief to small businesses.<\/p>

      \u201cBusinesses are looking to alternative lending options to make up for lost funds,\u201d says Grey Idol, Co-founder of Payroll Funding. \u201cOne program that comes to mind is the SBA Express Bridge Loan. It\u2019s there to help companies until they can get money coming in from elsewhere. It\u2019s called a \u201cbridge\u201d loan as it \u2018bridges the gap\u2019 between income sources.\u201d<\/p>

      \u00a0<\/p>

      Federal loan options<\/b><\/h3>
      • Paycheck Protection Program<\/b> \u2014 Thanks to the second round of funding from Congress, small businesses can still apply for a PPP loan.<\/li>
      • Economic Injury Disaster Loans<\/b> \u2014 If your business is experiencing a temporary loss of revenue, you can apply for an EIDL through the U.S. Small Business Administration.<\/li>
      • SBA Debt Relief<\/b> \u2014 While not available for Paycheck Protection Program loans or Economic Injury Disaster Loans, SBA is offering six months of relief on principal, interest and fees for current microloans distributed before September 27.<\/li>
      • SBA Express Bridge Loans<\/b> \u2014 Businesses that already have a relationship with an SBA Express Lender can access up to $25,000.<\/li><\/ul>

        Statewide loan and relief options<\/b><\/h3>
        • Riverside County COVID-19 Business Grant Program<\/b> \u2014 Available for non-profit businesses in San Francisco, loans can total up to $50,000 with terms for as long as six years.<\/li>
        • Chicago Small Business Resiliency Fund<\/b> \u2014 Offering low-interest loans up to $50,000, how much your business would qualify for depends on revenue pre-COVID.<\/li>
        • Louisiana Loan Portfolio Guaranty Program<\/b> \u2014 If your business has fewer than 100 employees, you can apply for a loan up to $100,000 with no payments or interest due for the first six months.<\/li><\/ul>

          You can find a more extensive list of state financial assistance from the U.S. Chamber of Commerce Foundation.<\/p>

          3. Check your lease and talk to you landlord<\/b><\/h2>

          As economic shutdowns have drastically cut revenue, paying rent has become a big struggle for many small business owners. Now\u2019s the time to review the terms of your lease and talk to your landlord. Whether it be avoiding late fees or working out a realistic payment plan, anything your landlord offers is worth it.<\/p>

          Landlords have also been hit by the pandemic. Many states and localities still have eviction protections in place for renters who miss payments. Which means landlords might be more likely to work with you if you can only manage a few hundred dollars toward your rent each month. When an agreement is reached, make sure the changes are documented and that your lease is updated.<\/p>

          4. Talk to vendors and lenders<\/b><\/h2>

          If you\u2019ve cut all non-essential spending and still find you\u2019re coming up short, consider starting a conversation with your vendors, suppliers or lenders. You might be surprised by the understanding and repayment options you\u2019re offered.<\/p>

          If the amount of business you\u2019re getting has been reduced, you can try and reduce your supply and shipment order. Having to adapt to how many clients you can serve, changing how much you get from vendors and suppliers will allow you to pay for what you can realistically earn back.<\/p>

          The U.S. government has the capacity to shoulder the funds required to keep small businesses open. The various federal and state loans and grants are available to cover the costs that collect even if revenue doesn\u2019t. There are still actions you can take If your business is struggling to minimize costs and ensure your future reopening<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

          Actualmente las peque\u00f1as empresas est\u00e1n recurriendo a diferentes p\u00f3lizas de seguro que las ayuden a mantenerse a flote, sin embargo, las p\u00f3lizas est\u00e1ndar de negocios no cubren COVID-19, provocando que cada vez sea m\u00e1s dif\u00edcil mantener sus puertas abiertas durante esta pandemia. Desde el inicio del confinamiento en marzo, se han generado m\u00e1s de 1,000 […]<\/p>\n","protected":false},"author":1,"featured_media":59,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-54","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"\n4 COSAS QUE DEBE HACER SI SU EMPRESA NO EST\u00c1 ASEGURADA PARA COVID-194 Things To Do If Your Business Isn't Insured For Covid-19 - Enterprise<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.enterpriseia.com\/en\/4-things-to-do-if-your-business-isnt-insured-for-covid-19\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"4 COSAS QUE DEBE HACER SI SU EMPRESA NO EST\u00c1 ASEGURADA PARA COVID-194 Things To Do If Your Business Isn't Insured For Covid-19 - Enterprise\" \/>\n<meta property=\"og:description\" content=\"Actualmente las peque\u00f1as empresas est\u00e1n recurriendo a diferentes p\u00f3lizas de seguro que las ayuden a mantenerse a flote, sin embargo, las p\u00f3lizas est\u00e1ndar de negocios no cubren COVID-19, provocando que cada vez sea m\u00e1s dif\u00edcil mantener sus puertas abiertas durante esta pandemia. 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