HOW TO STAY IN TOUCH WITH FAMILY AND FRIENDS
WHILE FOLLOWING SOCIAL DISTANCING GUIDELINES
The Centers for Disease Control and Prevention is encouraging communities across the U.S. to practice social distancing. While this will help prevent the spread of the coronavirus, or COVID-19, it also means that social interactions will be minimal. In addition to impeding many industries and businesses, this has significant impacts on families and friends who can no longer visit each other in person. Luckily, the technology we have today allows us to stay in touch while still practicing social responsibility.
workouts with a friend. Hop on a video chat to practice yoga, cardio, or other simple exercise routines together.
LET YOUR KIDS CHAT WITH FRIENDS.
Kids can benefit from video chatting by staying in touch with their friends while school and other activities are canceled. Letting your kids connect to social media is a pretty big step, so consider signing them up for Yoursphere or Kidzworld, kid-friendly networks that let them keep in touch with their friends while you can monitor their activity. Get in touch with other parents to set up virtual play dates over video chats for your kids. They can even watch a movie or TV show together.
shows together: Netflix Party. If you have a desktop or laptop with a Chrome browser, visit NetflixParty.com to download the application. Once downloaded, open the movie or TV series you’d like to watch, create or join a “party,” then relax and enjoy the show while chatting with friends. These are only a few examples of how we can stay in touch during these concerning times. Talk with your family and friends and see what other creative ideas you can come up with together. Even though you may be apart from loved ones right now, virtual communication has never been easier or more plentiful.
SPRUCE UP EVERYDAY ACTIVITIES.
Hopping on the phone or your laptop to video chat is a great way to reach out and catch up with loved ones. While folding laundry or doing other mundane chores, give a friend or your parents a call to idly chat; it can make your tedious tasks much more enjoyable. Video calls are also beneficial if, for example, you’re missing out on your daily
HOST A MOVIE NIGHT.
Speaking of movies, Netflix developed a unique way for people to watch movies and
INSURANCE MAY PROTECT YOU FROM COVID-19 LOSSES Many concerned business owners have recently inquired about whether they have coverage for loss of business due to COVID-19. If you ask your local insurance adjuster, they’ll likely tell you that no insurer has an epidemic or pandemic endorsement. While it may be true that your insurer doesn’t CLOSED FOR BUSINESS, OPEN FOR COVERAGE
physical loss or damage by a peril not otherwise excluded.” The million-dollar question is whether or not the effects of COVID-19 can be interpreted as “direct physical loss” to a business. Also, know that most commercial policies have a civil authority provision. This coverage is triggered when the government forces a business or establishment to close down due to a physical event, such as terrorism. It stands to reason that an argument could be made that due to recent emergency declarations in response to the pandemic, business owners might have a claim for business interruption by way of this provision. When it comes to business, things are rarely black and white. If your business has been forced to temporarily close due to COVID-19, make sure you explore your insurance policy thoroughly for ways it might be covered. Use trusted insurance professionals during the process and be sure to reach out to The Whisler Law Firm if you need further help with your property damage and insurance claims.
offer this coverage, specialty carriers have offered endorsements in the past to assist businesses forced to close due to pandemic. But if you aren’t currently with one of these carriers, they don’t present much of an option. That means it’s time to explore different alternatives. Your first step is to determine whether the “business interruption” or “loss of business” portion of your current policy will apply to the current situation. Business interruption insurance protects business owners against economic losses stemming from the closure of their operations. Losses in these contexts typically result from fires, water damage, or natural events like hurricanes, which force the business to close and stop operating. Every policy has its own variations and definitions, but generally speaking, the context of these policies reads as “direct
2 • WHISLERLAWFIRM.COM
Made with FlippingBook - professional solution for displaying marketing and sales documents online