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Guidance for Businesses and Employers to Plan and Respond to Coronavirus Disease 2019 (COVID-19)

Health and government officials are working together to maintain the safety, security, and health of the American people. Small businesses are encouraged to do their part to keep their employees, customers, and themselves healthy.

Content

Economic Injury Disaster Loan Program

The SBA will work directly with state Governors to provide targeted, low-interest loans to small businesses and non-profits that have been severely impacted by the Coronavirus (COVID-19). The SBA’s Economic Injury Disaster Loan program provides small businesses with working capital loans of up to $2 million that can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing. 

  • Find more information on the SBA’s Economic Injury Disaster Loans at: SBA.gov/Disaster.

Guidance for Businesses and Employers

The Centers for Disease Control and Prevention (CDC) offers the most up-to-date information on COVID-19. This interim guidance is based on what is currently known about the coronavirus disease 2019 (COVID-19). For updates from CDC, please see the following:

The following interim guidance may help prevent workplace exposures to acute respiratory illnesses, including COVID-19, in non-healthcare settings. The guidance also provides planning considerations if there are more widespread, community outbreaks of COVID-19.

To prevent stigma and discrimination in the workplace, use the guidance described below and on the CDC’s Guidance for Businesses and Employers web page.

Below are recommended strategies for employers to use now. In-depth guidance is available on the CDC’s Guidance for Businesses and Employers web page:

  • Actively encourage sick employees to stay home
  • Separate sick employees
  • Emphasize staying home when sick, respiratory etiquette and hand hygiene by all employees
  • Perform routine environmental cleaning
  • Advise employees before traveling to take certain steps
    • Check the CDC’s Traveler’s Health Notices for the latest guidance and recommendations for each country to which you will travel. Specific travel information for travelers going to and returning from designated countries with risk of community spread of Coronavirus, and information for aircrew, can be found on the CDC website.
  • Additional Measures in Response to Currently Occurring Sporadic Importations of the COVID-19:
    • Employees who are well but who have a sick family member at home with COVID-19 should notify their supervisor and refer to CDC guidance for how to conduct a risk assessment of their potential exposure.
    • If an employee is confirmed to have COVID-19, employers should inform fellow employees of their possible exposure to COVID-19 in the workplace but maintain confidentiality as required by the Americans with Disabilities Act (ADA). Employees exposed to a co-worker with confirmed COVID-19 should refer to CDC guidance for how to conduct a risk assessment of their potential exposure.

Common Issues Small Businesses May Encounter:

  • Capital Access – Incidents can strain a small business's financial capacity to make payroll, maintain inventory and respond to market fluctuations (both sudden drops and surges in demand). Businesses should prepare by exploring and testing their capital access options so they have what they need when they need it.  See SBA’s capital access resources.
  • Workforce Capacity – Incidents have just as much impact on your workers as they do your clientele. It’s critical to ensure they have the ability to fulfill their duties while protected.
  • Inventory and Supply Chain Shortfalls – While the possibility could be remote, it is a prudent preparedness measure to ensure you have either adequate supplies of inventory for a sustained period and/or diversify your distributor sources in the event one supplier cannot meet an order request.
  • Facility Remediation/Clean-up Costs – Depending on the incident, there may be a need to enhance the protection of customers and staff by increasing the frequency and intensity by which your business conducts cleaning of surfaces frequently touched by occupants and visitors. Check your maintenance contracts and supplies of cleaning materials to ensure they can meet increases in demand.
  • Insurance Coverage Issues – Many businesses have business interruption insurance; Now is the time to contact your insurance agent to review your policy to understand precisely what you are and are not covered for in the event of an extended incident.
  • Changing Market Demand – Depending on the incident, there may be access controls or movement restrictions established which can impede your customers from reaching your business. Additionally, there may be public concerns about public exposure to an incident and they may decide not to go to your business out of concern of exposing themselves to greater risk. SBA’s Resources Partners and District Offices have trained experts who can help you craft a plan specific to your situation to help navigate any rapid changes in demand.
  • Marketing – It’s critical to communicate openly with your customers about the status of your operations, what protective measures you’ve implemented, and how they (as customers) will be protected when they visit your business. Promotions may also help incentivize customers who may be reluctant to patronize your business.
  • Plan – As a business, bring your staff together and prepare a plan for what you will do if the incident worsens or improves. It’s also helpful to conduct a tabletop exercise to simulate potential scenarios and how your business management and staff might respond to the hypothetical scenario in the exercise. For examples of tabletop exercises, visit FEMA’s website at: https://www.fema.gov/emergency-planning-exercises

SBA Products and Resources

SBA is here to assist small businesses with accessing federal resources and navigating their own preparedness plans as described by the CDC’s Guidance for Businesses and Employers.

SBA works with a number of local partners to counsel, mentor and train small businesses. The SBA has 68 District Offices, as well as support provided by its Resource Partners, such as SCORE offices, Women’s Business Centers, Small Business Development Centers and Veterans Business Outreach Centers. When faced with a business need, use the SBA’s Local Assistance Directory to locate the office nearest you.

Access to Capital

SBA provides a number of loan resources for small businesses to utilize when operating their business. For more information on loans or how to connect with a lender, visit: https://www.sba.gov/funding-programs/loans.

How to get access to lending partners?  SBA has developed Lender Match, a free online referral tool that connects small businesses with participating SBA-approved lenders within 48 hours.

  • 7(a) program offers loan amounts up to $5,000,000 and is an all-inclusive loan program deployed by lending partners for eligible small businesses within the U.S. States and its territories. The uses of proceeds include: working capital; expansion/renovation; new construction; purchase of land or buildings; purchase of equipment, fixtures; lease-hold improvements; refinancing debt for compelling reasons; seasonal line of credit; inventory; or starting a business.
  • Express loan program provides loans up to $350,000 for no more than 7 years with an option to revolve. There is a turnaround time of 36 hours for approval or denial of a completed application. The uses of proceeds are the same as the standard 7(a) loan.
  • Community Advantage loan pilot program allows mission-based lenders to assist small businesses in underserved markets with a maximum loan size of $250,000. The uses of proceeds are the same as the standard 7(a) loan.
  • 504 loan program is designed to foster economic development and job creation and/or retention. The eligible use of proceeds is limited to the acquisition or eligible refinance of fixed assets.
  • Microloan program involves making loans through nonprofit lending organizations to underserved markets. Authorized use of loan proceeds includes working capital, supplies, machinery & equipment, and fixtures (does not include real estate). The maximum loan amount is $50,000 with the average loan size of $14,000.

Exporting Assistance

SBA provides export loans to help small businesses achieve sales through exports and can help these businesses respond to opportunities and challenges associated with trade, such as COVID-19. The loans are available to U.S. small businesses that export directly overseas, or those that export indirectly by selling to a customer that then exports their products.

  • Export Express loan program allows access to capital quickly for businesses that need financing up to $500,000. Businesses can apply for a line of credit or term note prior to finalizing an export sale or while pursuing opportunities overseas, such as identifying a new overseas customer should an export sale be lost due to COVID-19.
  • Export Working Capital program enables small businesses to fulfill export orders and finance international sales by providing revolving lines of credit or transaction-based financing of up to $5 million. Businesses could use a loan to obtain or retain overseas customers by offering attractive payment terms.
  • International Trade loan program helps small businesses engaged in international trade to retool or expand to better compete and react to changing business conditions. It can also help exporting firms to expand their sales to new markets or to re-shore operations back to the U.S.

Government Contracting

SBA is focused on assisting with the continuity of operations for small business contracting programs and small businesses with federal contracts. For more information on federal contracting, visit https://www.sba.gov/federal-contracting/contracting-guide

More specifically:

  • 8(a) Business Development program serves to help provide a level playing field for small businesses owned by socially and economically disadvantaged people or entities, and the government limits competition for certain contracts to businesses that participate. The 8(a) program offer and acceptance process is available nationwide, and the SBA continues to work with federal agencies to ensure maximum practicable opportunity to small businesses. 8(a) program participants should stay in touch with their Business Opportunity Specialist (BOS).
  • HUBZoneprogram offers eligibility assistance every Thursday from 2:00-3:00 p.m. ET at 1-202-765-1264; access code 63068189#.  Members of the HUBZone team answer questions to help firms navigate the certification process.  For specific questions regarding an application, please contact the HUBZone Help Desk at [email protected].
  • Women-owned Small Business firms who have questions, please visit www.sba.gov/wosbready or write to [email protected].
     

If a situation occurs that will prevent small businesses with government contracts from successfully performing their contract, they should reach out to their contracting officer and seek to obtain extensions before they receive cure notices or threats of termination. The SBA’s Procurement Center Representatives can assist affected small businesses to engage with their contracting officer. Use the Procurement Center Representative Directory to connect with the representative nearest you.

Local Assistance

SBA works with a number of local partners to counsel, mentor, and train small businesses. The SBA has 68 District Offices, as well as support provided by its Resource Partners, such as SCORE offices, Women’s Business Centers, Small Business Development Centers and Veterans Business Outreach Centers. When faced with a business need, use the SBA’s Local Assistance Directory to locate the office nearest you.

 
 

Coronavirus - Helpful Resources for Caterers

Covid-19: Returning to a Mask-Free US Workforce?  Not Quite Yet.

On May 13, 2021, the Centers for Disease Control and Prevention (CDC) issued new guidance, stating that individuals who are fully vaccinated against Covid-19 “can resume activities without wearing a mask or staying 6 feet apart, except where required by federal, state, local, tribal, or territorial laws, rules, and regulations, including local business and workplace guidance.”

CDC Guidelines are just that – Guidelines.  They do not have the force of law unless adopted by a government body with legal authority.  US employers must still follow Department of Labor, OSHA, EEOC and state and local laws and regulations.  The article below from K&L Gates discusses these “exceptions” in greater detail.

Read the full article

Sharing COVID-19 Preparation Plans on Your Catering Company Website

Many caterers have opted to share their COVID-19 Preparation Plan on their website home page so that prospective clients know their plans to keep everyone safe.

Click here to view homepage text

Is Your State Taxing Forgiven PPP Loans?

Click Here to Find Out!

State and Local Response Information

MultiStates Associates has created a googledoc that outlines all 50 states with the following information: Link to Heath Department COVID-19 Website, Key Contacts, Governments Plan to Reopen, State of Emergency Documents, Executive Orders, Session Changes/Capitol Changes, Travel Restrictions Information

Click here to view each state

Second Round PPP Dilemma

The first question one has to check into for the second round of PPP is, do you qualify for the program?  The first test is black and white, and you have to meet one of two criteria.

  1. Your gross receipts in 2020 are down at least 25% compared to 2019
  2. Your gross receipts in one quarter of 2020 are down at least 25% compared to the same quarter in 2019

If you have made this cut: many business owners then face a more challenging and greyer decision. You have to sign that you need the money to support the ongoing operations of your business.

Click here to view the full text

Interim Final Rule on Payroll Protection Program

The U.S. Small Business Administration, Department of the Treasury has released an Interim Final Rule on the Payroll Protection Program. It includes information on the Business Loan Program Temporary Changes, Paycheck Protection Plan - Revisions to Loan Forgiveness Interim Final Rule and SBA Loan Review Procedures Interim Final Rule.

Click here to view the rule

A Guide to State Coronavirus Reopenings and Lockdowns

Many states are weighing how to ease weekslong restrictions on travel and business. Many states are lifting restrictions imposed to slow the spread of the new coronavirus. The Wall Street Journal shares what each state is doing. The article is updated frequently. 

Click here to view each state
 

OSHA Guidance on Preparing Workplaces for COVID-19

The US Department of Labor Occupational Safety and Health Administration (OSHA) has released a 35 page guide. The guide outlines steps all employers can take to reduce workers' risk of exposure to COVID-19.

COVID-19 FAQ
Click here to read the guide

Entry/Exit Tips from US Foods Blueprint

US Foods we'll show you how to change your entry path and establish 6-foot distances by creating turns to slow diners' pace, help them notice important signs, and demonstrate the right way to move through your space.

View the tips

Read the following article that will give you the details on how to keep customers feeling safe in the new era of dining - from contactless delivery to tamper resistant packaging and more.

Read the article

Get all the the right signage for reopening, from posters and banners to window, door and floor decals. Let your diners know you're open for dine-in, your operation is safe; and enforce social distancing.

View signage

The Event Safety Alliance (ESA) Reopening Guide for Event Professionals during COVID-19

The guide will go over the following items:

1. Planning when to reopen: when it's legal and reasonably safe
2. Patron Education
3. Worker Health and Hygiene
4. Sanitizing the Venue
5. Ingress and Egress
6. Front of House Circulation, Food and Beverage, and Merchandise
7. Production Issues and more

Click here to view the guide

NEW Ecolab Reopening Resources

Return to Normal Operations Checklists: Recommendations at the restaurant level to help you make plans for resuming operations after a partial or full closure.

Update Cleaning Procedures: Expert procedures to ensure your locations are using the most up-to-date cleaning procedures for COVID-19.

Top Considerations Post-COVID: Guidance to help identify gaps and provide direction as you navigate reopening and returning to fully operational. 

Ecolab Foodservice Operations Platform

 

The Small Business Administration (SBA) Announces the Opening of its Paycheck Protection  Program (PPP)

The Paycheck Protection Program (PPP) is an SBA loan that helps businesses keep their workforce employed during the Coronavirus (COVID-19) crisis. 

Effective April 3, 2020, small businesses and sole proprietors can apply for and receive loans to cover their payroll and other certain expenses through existing SBA lenders.

The links below provide you with all of the information you need to begin the process.

Paid and Sick Leave Regulations
Under the FFCRA

Reminder: Families First Coronavirus Response Act (FFCA) went into effect on April 1, 2020.

The FFCRA, signed into law on March 18, created two temporary leave programs (Emergency Paid Sick Leave, EPSL; and Emergency Family and Medical Leave Expansion, EFMLE) that require private sector employers with less than 500 employees to provide leave to employees impacted by COVID-19. Under the law, covered employers qualify for 100 percent (full costs of both leave programs) reimbursement through refundable tax credits.

The U.S. Department of Labor Wage and Hour Division is responsible for implementing and enforcing new leave mandates enacted as part of the Phase II COVID-19 response bill.  Click here for more information

 

COVID-19 Re-Opening Guidance
A Guide for the Restaurant Industry

The National Restaurant Association (NRA) has released a 10 page document providing re-opening guidance for restaurants.

Click here to read the review the guide

Employees Refusing to Return to Work? The SBA Offers Some Protection of PPP Forgiveness

The SBA’s latest round of frequently asked questions (FAQs) about the Paycheck Protection Program (PPP) gives employers an important new tool to address one of the biggest challenges of trying to maximize PPP forgiveness: How to respond to employees who refuse to return to work by June 30, 2020.

Read the full article here

 

CARES Act Tax Break Loses

The CARES Act temporarily rests the treatment of NOLs to pre-TCJA rules. You can now claim 100% of your net operating losses in 2020, 2019, or 2018, and carry them back for up to five years.

Read the full article here

COVID-19 Reopening Economy Guidelines 4/28

The reopening of child care programs is crucial to helping parents and guardians return to work. Read the CDC's Interim Guidance for Administrators of US K-12 Schools and Child Care Programs.

Read the full guideline here

 

Dramatic Rise in COVID-19 Related Scams

Below is a list of targeted topics that are susceptible to scammers right now:

  • Protective Face Masks
  • Illegal Online Pharmacies
  • Supplements Marketed with Claims to Treat or Prevent COVID-19
  • Home Test Kits
  • Websites Flagged by Regulators
Click here to read the article by Verisk Financial

 Staying Ahead of the Money Curve Updates

Ami Kassar, CEO of Multifunding LLC provides updates on Staying Ahead of the Money Curve with frequent posts on his blog.

 

Click here to view all articles from Multifunding

 

Can the COVID-19 be spread through food, including refrigerated or frozen food?

According to the CDC, “Coronaviruses are generally thought to be spread from person-to-person through respiratory droplets. Currently there is no evidence to support transmission of COVID-19 associated with food.”

North Carolina State University has created an informational FAQ concerning off-premises foodservice during the coronavirus. At this time, there is no evidence that COVID-19 can be transmitted by food or food packaging. The FAQs are based on information from the Centers for Disease Control and Prevention, the Food & Drug Administration and the U.S. Department of Agriculture. (Source: NRA)

What other steps should we take to avoid infection?

The CDC suggests that people take the same steps they would to keep from getting the flu: get a flu vaccine, take everyday preventative actions – like washing your hands often – and see a doctor when you are sick.

Both the World Health Organization (WHO) and Occupational Safety and Health Administration (OSHA) have issued guidance for preparing a workplace for COVID-19 that include tips for preventing the spread of the virus and steps to reduce workers’ risk of exposure. And the CDC recently issued a strategy for implementing mitigation strategies for communities with local transmission. (Source: NRA)

  

Keeping American Workers
Paid and Employed Act

Below is the complete act, along with helpful resources that breakdown the act section by section.

Full Text
Section By Section Descriptions
Summary of the
Small Business Provisions in Coronavirus Aid,
Relief and Economic Security (CARES) Act

Social Media Links 

White House: 
Youtube | Twitter | Facebook

US Department of Health and Human Services (HHS): 
Twitter | Facebook

Center for Disease Control (CDC): 
Twitter | Facebook

List of Antimicrobrial Products for
use Against COVID-19

On March 3, the EPA released a list of registered disinfectant products that have qualified under its emerging viral pathogen program for use again SARS-CoV-2. You can find the list here.

 

SBA Guidance for Businesses and Employers to Respond to COVID-19

Health and government officials are working together to maintain the safety, security, and health of the American people. Learn more about programs offered to assist and protect small business owners during this time. You can also view a guide on best business and employer practices to respond to the COVID-19 outbreak.

View the SBA Guidance Plan

Managing Your Cash Flow During the Coronavirus (COVID-19) Crisis Presentation

In this presentation given by a keynote speaker, Ami Kassar, you will helpful information on how to plan and protect your business's cash flow during and after the COVID-19 pandemic. Find out about resources available to assist you and steps you can take to make sure that your business remains strong. 

View Presentation

 

Sanitation Guide

This serves as a guide for best practices for Business Owners in the workplace during the COVID-19 pandemic according to the Centers for Disease Control (CDC) and the World Health Organization (WHO). You can also view latest news from the CDC to stay up to date with how the situation is evolving.

View Guide

Facebook Small Business Grants

Facebook is offering $100 million in cash grants and ad credits for up to 30,000 eligible small businesses in over 30 countries where they operate. They will begin taking applications in the coming weeks. In the meantime, you can click here to sign up to receive more information when it becomes available.

Find out More Information 

 

 Practical Tips from Nuphoriq

Nuphoriq is helping keep the catering community up to date regarding all things COVID-19. You can find tips on how to keep your business strong now and how to plan ahead for the future. You can sign up to receive breaking news alerts so you never miss a thing!

View Nuphoriq Tips

COVID-19 Official or Elected Representative Template Letter 

The Federal Government has created a number of programs to help provide funding assistance for businesses across an array of industries. Your elected officials need to hear from the business leaders in the community about how COVID-19 has affected our business and what they can do to help. Click below to view a COVID-19 Official Elected or Represented Template Letter. 

Coronavirus Template Letter to Send to 
Officials or Elected Representatives 

 

Cancellation Policy

View what other caterers are doing in regards to cancellation policies. Check back often as we add more catering company policies.

Cancellation Policy

Letter to Catering Publications

This sample letter can be sent to catering publications to promote the catering industry.

Letter to Catering Publications

Letter to Clients

Take a look at what other catering companies are sending to their clients.

Letter to Clients
Letter to Clients
Letter to Clients on Social Media

 

Shared Work Programs

Many states are implementing "Shared Work" programs which help to prevent business downturns by providing an alternative to layoffs. 

Below is the list of states participating in the program:
Make sure to check your state's eligibility requirements. Click here to learn more about Shared Work programs.


 

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Caterers

Who? A caterer member is a company that is either an off-premise or on-premise caterer. This is a group membership and up to 10 team members can receive exclusive ICA benefits. ICA's membership year runs for one calendar year from when you join.

Membership Fee: $425

Join Online Now!

Member Video
 
 
 

Who is the ICA for?
For motivated caterers, International Caterers Association is a resource that provides Education, encourages peer-to-peer Relationships, and Inspires creativity while embracing all segments of the catering industry.

ICA members meeting up at Catersource. - be part of our family!

What are the benefits of joining the ICA?

  Free monthly webinars and access to industry operations information     Culinary Council and Mentorship Program
  Professional recognition in your business community     ICA Roundtable Facebook group
  Special registration for members to Catersource and Art of Catering Food     Opportunities for education scholarships to Catersource and Art of Catering Food

SB Value Group Purchasing Program: Join the largest purchasing program in the country with over 5 BILLION DOLLARS in purchasing power. No contract and no fees.

What does it cost to join?
The cost is $365 per year, that's just $1 per day!

But that's not all...
A membership is valid for up to 10 team members. That means your entire team can gain a wealth of knowledge from these exclusive benefits for just 10 Cents a day!

There is no other membership like this for caterers. The personal development that you and your team members will gain from this is priceless!

See what our members are saying...
 

2024 Board Candidates

All 2024 board candidates are listed alphabetically.

Geoff Barker

Vice President
Simply Fresh Events
Gaithersburg, MD
Resume

Geoff is the Vice President and co-founder of Simply Fresh Events, a full-service catering and event company based out of Gaithersburg, MD. Geoffrey has been in the catering business since 2005. He leads the sales team and manages our disaster catering division. Geoff enjoys creating special events of all types utilizing clients’ visions to create the perfect event. When Geoff is not working directly with clients he serves on the board at Nourishing Bethesda, a local non-profit focusing on food insecurity.

 

 

Roe Chlala

Principal/Creative Director
Alchemy Custom Celebrations & Cuisine
Norwalk, CT
Resume

 

 

 

 

Charlie Schaffer

Co-Founder and President
Schaffer
Los Angeles, CA

Resume

Charlie Schaffer is the Co-Founder and President of Schaffer, a Los Angeles-based, full-service event hospitality company. Charlie is a classically trained chef and a graduate of the Culinary Institute of America, where he earned an associate's degree in culinary arts and now serves in the Society of Fellows. He also holds a Bachelor of Arts in International Relations and Security Issues from the College of Charleston. He began his hospitality career working in some of the finest restaurants in New Orleans, like Brigtsen’s and Bayona. He went on to spend years working for master chefs Alain Ducasse and Lidia Bastianich in New York City as well as Pedro Subijana in San Sebastian, Spain. Charlie was chef de cuisine for Josephʼs in the Citarella group in NYC, and served as executive chef for Pinot Bistro with the Patina Restaurant Group in Los Angeles, CA. In 2008, Charlie and his wife Kathleen started Schaffer, an event hospitality company that brings all of the elements together for clients at their events by providing innovative and accomplished catering, service, production, and design. These clients recently include Moet/Dom Perignon, Paramount Studios, Lamborghini, BMW, Riot Games, Snap Inc., CBS, Disney, Pop Sugar, and Dell Computers, Amazon, Aston Martin and Versace.

 

 

Syd Sexton

CEO
Catering by Design (CO)
Denver, CO
Resume

Syd Sexton brings an extensive background in catering management. She spent 13 years with the Hyatt Corporation as Director of Catering where she participated on the corporate team to launch Hyatt’s off premise division, Regency Caterers. She then opened her own Denver catering company, Alex Brooks Fine Catering which she operated successfully for 15 years. She sold to business partners and returned to the hotel industry to join The Ritz-Carlton Hotel Company as the Colorado Area Director of Catering. Syd’s wealth of business acumen, along with her people management expertise, made her the perfect fit to guide the team at Catering by Design, Colorado where she has been the CEO since 2016. She holds a Bachelor of Science degree from the University of Houston School Hilton School of Hospitality Management. In 2020, Sexton founded and serves as immediate past president of the Colorado Event Alliance, a 501c3 whose mission is to assist special event industry frontline workers and small business owners through financial support and advocacy.

 

 

Christopher Villard

General Manager
Bold Catering and Design
Atlanta, GA
Resume

With over 30 years of catering & restaurant management experience, Chris Villard is part of an award-winning Bold Catering & Design team and serves as the general manager, where he applies his extensive hospitality career to create & execute some of the region's top events.  After graduating with an MBA from the University of Florida, Chris kickstarted his career with various restaurant general manager roles throughout the Southeast. Soon after, Chris transitioned into the catering world where he spent nearly six years as Director of Operations for Charleston-based Duvall Catering & Events, followed by time as the Chief Operations Officer for Lisa Dupar & Company in Washington.  Passionate about transforming people's lives through events, Chris loves to be part of Bold's flawless event execution team to help clients make everlasting memories one event at a time. Outside of work, Chris enjoys going to the gym, traveling & spending time with his family.
 
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