Pay Cuts? Layoffs? ADA issues?
So many rules have been waived or suspended and businesses are in a fight to survive. Get a line of credit! Adjust your staffing! Not sure how to deal with a refusal to work, pay cuts, privacy for remote workers. Schedule a consult ASAP.
Do You Have Commercial General Liability Insurance? Most of these policies contain a clause that deals with interruption of operations insurance. You would have this type of policy if you have business loans as banks require them. If you rent and have no debt, you may not have this coverage. If you have the coverage, expect "push back" from your carrier as we are dealing with a first of its kind claim. Even if you don't get a denial, navigating the rules about these policies is tricky and you need legal advice to avoid voiding your coverage.
For Example: Can you open 3 hours a day? What if you can still sell take out but seated alcohol sales were where your profit was?
Call for a policy review!
BUSINESS LEGAL ISSUES IN A COVID 19 CORONA CRISIS
BUSINESS INTERRUPTION INSURANCE CLAIMS
EMPLOYEE ISSUES IN A DOWNSIZING
PRIVACY ISSUES FOR REMOTE WORKERS