Immediate Help for Companies and Employees

As our world experiences the first pandemic of its kind, companies and employees need resources to be sustainable and plan for the time when business resumes. Here are some of the resources available. As updates come in from financial institutions, we will post those here:

Families First Coronavirus Response Act

This act applies to companies with fewer than 500 employees. There are two components: Paid Family Leave and Emergency Paid Sick Leave (EPSL). The Department of Labor has released guidance on management, expectations, and guidelines on this Act here:

Critchfield, Critchfield, and Johnston has their summary here:

McDonald Hopkins has provided a summary here:

Essential Business Letter Example

A number of businesses have requested guidance on how to indicate they are an essential business. While our recommednations should not replace advice from your attorney or be used in any way as legal advice, we have created a sample letter to provide your staff and to post on your entrances. You can find that letter here: Letter regarding being an essential business.

Coronavirus Aid, Relief, and Economic Security Act (CARES)

Small Business Loans: Businesses that fall into NAICS codes starting with 72 are eligible for a new loan program. These loans are designed to cover payroll, mortgage, rent / lease payments, and utilities. You will be able to receive up to 2.5 times average monthly payroll from 2019 which includes healthcare costs, bonuses, etc. Qualifying businesses include individual franchise locations, independent contractors, and restaurants. If the employer continues to employ the same number of staff and shows they spent the money on those applications indicated, it is likely they will be forgiven.

 If you are planning to apply, please gather payroll information for 2019, mortgage information, utility bills, and know your NAICS code. We would also highly recommend contacting your business banker for direction.

 The SBA has been working very hard to put the guidelines in place for these programs, but won’t have the go-ahead until the bill is signed. At that point they will have some technical changes to make to the legislation to make the implementation possible. We are hoping to hear their timeline early next week. 

Indentifying Critical Infrastructure During COVID-19

Critical Manufacturing Sector Information

Ohio’s Bureau of Workers’ Compensation (BWC)

Ohio’s Bureau of Workers’ Compensation (BWC) system is the exclusive provider of workers’ compensation insurance in Ohio and serves 249,000 public and private employers. To help businesses facing difficulties due to the COVID-19 pandemic, the Ohio BWC is announcing insurance premium installment payments. For more information, visit

Grace Period for Health Insurance Premiums

All health insurers are required to provide the option of deferring premium payments, interest free, for up to 60 calendar days from each original premium due date. This means that employers can defer their premium payments up to two months, giving them some relief on costs, while keeping their employees insured.

ShareWork Ohio

This voluntary layoff aversion program available through Ohio Department of Job and Family Services (ODJFS) allows employers to reduce work hours without laying people off. Workers with reduced hours can receive unemployment insurance benefits for time not worked. More information can be found at or by calling 866-733-0025, Option 3.


Download the Businesses and Employers Checklist from the Download the Businesses and Employers Checklist here


Faster Unemployment Processing – If businesses have to lay people off or shut down due to the coronavirus pandemic, ODJFS asked that you share the mass lay-off code with employees to speed the processing of their unemployment benefits: 2000180. Ohioans can apply for unemployment at 24/7. Applications can also be made by phone at 877-OHIO-JOB (877-644-6562) on Monday – Friday between 8:00 am and 5:00 pm.

Additional FAQs are available on unemployment benefits at:

SBA Small Business Loans

The Ohio Development Services Agency is submitting an application to be included in this program. PLEASE SEND YOUR CONTACT INFORMATION TO if you have been impacted by this crisis. More information is available at

Liquor Buyback

Unopened liquor purchased in the last 30 days can be returned to the agency where it was purchased. Questions regarding this program should be directed to the Liquor Enterprise Service Center (LESC) at 1(877)812-0013 or by emailing

ADA and CoronaVirus-19

Critchfield, Critchfield, and Johnston have provided information directly on this topic in their latest blog