COVID-19

For the latest COVID-19 health guidance, statistics and resources, visit Coronavirus.wa.gov.

COVID-19 resource list for impacted Washington businesses and workers

The Governor’s Office has compiled this partial list of resources to support economic retention and recovery related to COVID-19 coronavirus.

For latest information, resources, and guidance related to COVID-19, please visit the Washington State Department of Health website

Financial assistance

  • The federal Small Business Administration (SBA) may be able to provide assistance through the Economic Injury Disaster Loans program to businesses that have suffered substantial economic injury in an eligible disaster area. Congress approved up to $7 billion in low-interest disaster loans specifically to assist small businesses impacted by COVID-19. These loans can help small businesses meet financial obligations and cover operating expensesVisit: https://disasterloan.sba.gov/ela/
  • The Washington State Department of Revenue (DOR) created a page dedicated to business relief during the COVID-19 pandemic. Visit https://dor.wa.gov/taxrelief​
  • The state is working to compile a larger list of local bankers, financial associations, telecoms, utilities and major employers that may be able to provide relief, such as:
    • Deferred bills, waived fees, discounts, no-interest loans and other support. ​
    • Debt and late-penalty forgiveness for companies and workers in order to help keep people employed.
    • Favorable credit terms for firms that encounter cash flow problems.

Export assistance

  • The Washington State Department of Commerce’s Export Assistance Team division can help companies identify alternative markets and provide firms with STEP Vouchers to defray the costs of trade show or trade mission fees, airfare, interpreter and translation services, business matchmaking, export training programs and more. Visit: www.commerce.wa.gov/promoting-washington-state/export-assistance or contact the Export Assistance team at 206.256.6100.
  • The SBA’s Export Working Capital Program can help small businesses obtain working capital advances from lenders on export orders, export receivables or letters of credit. SBA’s Senior International Credit Officers can work directly with an impacted company to explain the program and application process. Visit: https://www.sba.gov/content/financing-your-small-business-exports-foreigninvestments-or-projects-0

Employer and worker assistance

  • The Washington State Employment Security Department (ESD) can provide support in the form of unemployment benefits. For employers that want to keep from losing highly-trained employees, these unemployment benefits can be received through, or while covered by, Shared Work, Partial Unemployment and Standby (which allow certain workers to collect unemployment while remaining with their employers and not actively seeking other jobs). Visit: https://esd.wa.gov/newsroom/covid-19
  • ESD’s Paid Family and Medical Leave program can provide paid leave benefits for Washington workers who need to take time off from work due to a serious health condition or to care for a family member with a serious health condition. Certification by a healthcare provider is required for applications for Paid Family and Medical Leave due to a serious health condition. Visit: https://paidleave.wa.gov/
  • If COVID-19 disrupts a Washington business and causes a mass layoff or closure, ESD and its local workforce development board partners can respond with Rapid Response services and funding to help impacted workers get connected to unemployment benefits and re-employment services, including re-training, worker support services, and referrals to other social services. Visit: https://www.esd.wa.gov/newsroom/layoffassistance

Insurance assistance

The Washington State Insurance Commissioner can help answer questions about insurance coverage for damages related to COVID-19.

What you need to be covered

To be covered against any business losses due to a communicable disease, such as COVID-19, you would need to have purchased an additional endorsement to your policy.

Contact your insurance agent or insurance company directly to find out if you already have this added coverage. If you don’t have added coverage and would like to buy it, contact your insurance agent or company to see if it’s available.

If you didn’t buy the added endorsement prior to the outbreak and you want to buy it, the insurer may not want to sell you the endorsement.

Event cancellation insurance

Event venues typically require the person or company booking a scheduled event to have event cancellation insurance coverage. Coverage for communicable disease outbreaks is typically not included in a standard event cancellation insurance policy. This type of insurance only covers these type of perils:

  • Adverse weather
  • Natural disasters
  • Labor disputes
  • Acts of terrorism
  • Failure to vacate
  • Non-appearance

What you need to be covered

You can buy an added endorsement to your event cancellation insurance policy to cover canceling an event due to a communicable disease. If your insurer doesn’t offer this type of endorsement, you should shop around with other insurers.

Be aware that if you didn’t buy the added endorsement prior to the outbreak and you need to cancel an event, the insurer cannot back date a policy to provide coverage for the cancellation. Insurers may also not want to sell this type of endorsement.

NOTE: The Office of the Insurance Commissioner does not have the authority to require insurers to sell any type of coverage or policy endorsements to consumers.

Have insurance questions?
www.insurance.wa.gov
1-800-562-6900