Coronavirus: employer preparation, compliance and insurance

Published March 05, 2020

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Sylvia Group Senior Partners

As an Alera Group agency, Sylvia Group is part of a team that includes an attorney who specializes in employer compliance, particularly in matters related to employee benefits. So with clients turning to us for advice on how to handle issues relating to the coronavirus known as COVID-19, Sylvia Group has been ready with a comprehensive guide authored by Alera Group Director of Compliance Danielle Capilla, JD, and national Property & Casualty Practice Leader Mark Englert.

Now, due to the importance of the issues surrounding the spread of COVID-19, we're sharing this information with the general public.

What you'll learn

In a guide titled "Coronavirus: Hope for the Best but Plan for the Worst," Danielle and Mark address basic advice from the Centers for Disease Control and Prevention (CDC), and organize their guidelines into two basic categories: Employer/Employee Concerns and Insurance Concerns.

Coronavirus Compliance Guide imageThe first category deals with prevention, mitigation and compliance, addressing topics including: 

  • group health plans;
  • employee health; and
  • human resources policies;
  • employment practices; and
  • employment law.

The second, Insurance Concerns, addresses what may and may not be covered by:

  • Property Insurance;
  • Travel Insurance; and
  • Workers' Compensation Insurance.

To download the guide, click on the image at above right.

Here to help

As the guide emphasizes, planning is essential to the long-term success of any business, especially one confronted with a health crisis. In Sylvia Group and Alera Group, you have teams prepared to help you through the challenges COVID-19 are presenting now and may present in the weeks and months ahead.


About John Beauregard, Rosemarie Lopes and Sylvia Group

Beauregard_JohnDuring more than three decades as a business insurance professional in Massachusetts and Rhode Island, Sylvia Group John Beauregard has built relationships with clients by recognizing and addressing their unique risks and needs, providing them with the best available insurance coverage and delivering dedicated, dependable customer service, particularly in the property development and management, medical manufacturing, municipal, education, and transportation industries. A Certified Insurance Counselor (CIC) and Licensed Insurance Adviser (LIA), John works with clients to help them secure what they've invested in and built, evaluating the risks they face, developing customized policies to protect against those risks and creating comprehensive risk management programs designed to save them money by reducing premiums. 

Rose Lopes_473 cropped-1A Sylvia Group Senior Partner and manager of the agency's Employee Benefits division, Rose Lopes has more than 15 years of industry experience working with businesses and individuals to design programs that fit their strategic plans and goals. A New Bedford native and U.S. Marine veteran, Rose earned her Registered Health Underwriter (RHU®), Registered Employee Benefits Consultant (REBC®) and Chartered Life Underwriter (CLU®) designations through the American College of Financial Services. Her designs for health, dental, disabilitylifelong-term care and travel insurance coverage help clients protect their investments and provide security for the people they care about most.

Sylvia Group uses SPS – the Sylvia Protection System – to empower businesses and individuals with performance-based insurance, benefits and financial planning programs. SPS makes our clients active participants in managing risk and containing premiums, resulting in coverage that is both customized and cost-effective. In addition to making a difference for our clients, we make a difference for our community as a whole by actively supporting and serving many of southern New England’s most reputable and effective nonprofit organizations and institutions. Sylvia Group became an Alera Group company at the outset of 2020, enabling us to combine the local, personal service for which we're known with the scope and resources of a national firm. 

Upcoming Events

HOSTED EVENT
ALERA GROUP WEBINAR:

COVID-19: What Employers Need to Know
Wednesday, March 25
10 a.m., 11 a.m. and 1 p.m. EDT
Online via Zoom Video
More Information »


SPONSORED EVENT
Women's Fund:

Tiara 5K
Sunday, May 10
9:30 a.m. (Kids' races at 9)
Oxford Creamery, Mattapoisett, MA
More Information »

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Testimonials

  • “I come in contact with many insurance brokers in the course of my practice – even more so with the advent of the Affordable Care Act requirements. Some are ill-prepared or still in denial. Others call me from the car on the way to a client meeting asking for a summary of the ACA in ten minutes. On the flip side of this coin is the Sylvia Group agency. Their clients are very fortunate to have a broker who is knowledgeable about employee benefit matters. The fact that Sylvia Group invited me, an ERISA lawyer, to conduct a live client seminar on the new ACA employer information reporting requirements indicates to me that they are engaged in the process and they care about their clients.”

    – RICHARD A. SZCZEBAK, Esq., RAS Law, P.C.

  • “By giving, advocating and volunteering, Sylvia Group has proven they are dedicated to our community. Whether they are volunteering at one of our Day of Caring events or working with us to provide affordable health insurance and benefits to our employees, Sylvia Group does whatever they can do to make a difference for United Way of Greater New Bedford. The team at Sylvia Group is a trusted group of dedicated professionals, and we thoroughly enjoy working with them.”

    – MICHELLE N. HANTMAN, President and CEO, United Way of Greater New Bedford

  • “When I needed assistance with my business insurance program, Jill White immediately responded – and, even more important, she listened. She understood the challenges I had with my former agent, and she and the Sylvia Group team designed a program specific to my restaurant’s needs. I’m confident that with Jill’s expertise and personal attention, Fay’s is in good hands. That gives me the peace of mind to focus on what my family and I do best: serve delicious food and provide great customer service while running a successful business.”

    – EVELYN BETTENCOURT, Owner, Fay's Restaurant and Knotty Pine Fine New England Catering

  • “Sylvia Group is very resonsive to our ever-changing needs. Jill White provided us with wonderful support when we moved our child-care program location. She ensured that our coverage was seamless and that it met all of our program, licensing and funding needs. Sylvia Group always assists us immediately when we have questions and/or requests. We knw we are in good hands and that they have the best interest of our YWCA participants in mind. It's a pleasure to work with the staff of Sylvia Group; they are truly customer-focused.”

    – GAIL FORTES, Executive Director, YWCA Southeastern Massachusetts

  • “Thanks to John Beauregard and the professionals at Sylvia Group, our MassMEDIC membership has paid immediate dividends. Through the BIO Business Solutions® program, Primo Medical received a significant premium reduction on our Professional Liability policy. In addition, utilizing Chubb as our insurance provider and Sylvia Group as our broker, we’re confident that we have business partners who truly understand our insurance needs, provide outstanding loss control services and continue to work with us to lower our total cost of risk.”

    – CHRISTOPHER LAPLANTE, Chief Financial Officer, Primo Medical Group

  • "Getting the right insurance to guard against risks is absolutely critical for nonprofits, as well as other businesses; dealing with a costly claim could force a nonprofit to shut down permanently. Going with the Sylvia Group, we made the right decision and have never looked back. They have gotten to know our mix of services, evaluated our insurance needs and designed an insurance program around our specific insurance coverage needs — allowing us, on a tight budget, to purchase the right amount and type of insurance at the best value. Sylvia Group staff have built strong, personalized helping relationships with our staff. I can sleep at night knowing they make sure that our insurance policies are adequate to cover our risk exposures. I have recommended, without hesitation, the Sylvia Group to my colleagues working in both the nonprofit and for-profit arenas."

    - MARIA A. ROSARIO, Executive Director, NorthStar Learning Centers, Inc.

  • “Sylvia Group is an attentive, professional and knowledgeable insurance agency. They are familiar with the ever-changing rules and regulations when it comes to independent, nonprofit schools., and John Beauregard always goes above and beyond for Friends Academy. Whether it is something small, like registering a new school vehicle, or something bigger, like filing a claim after our greenhouse was destroyed by a hurricane, he treats every question and every claim with utmost importance. Sylvia Group is invested in our program as well; John sponsors and participates in our yearly golf tournament. Sylvia Group is an exceptional insurance company that I would recommend to all my cohorts.”

    – KATHERINE FURTADO, Chief Financial Officer, Friends Academy

  • “The Sylvia Group team provides a multitude of services in all aspects of employee benefits. The team's dedication to their clientele is apparent through their willingness to provide trainings in your office, at their business and through valuable webinar resources. They are readily available to answer questions and help with any issues that may arise. CMHS, Inc. appreciates the relationship that we have enjoyed with the Sylvia Group throughout the years.”

    – JOHN WINTERHALTER, President, Comprehensive Mental Health Systems, Inc.

  • “I want to thank you for this incredible resource, ThinkHR. We will be accessing it frequently and appreciate Sylvia Group making this available to Advanced Eye Centers.”

    - PAUL C. ABRANTES, Executive Director, Advanced Eye Centers

  • “I love your staff. In the first three or four weeks after we moved over to Sylvia Group for our insurance, I have had more communication and attention from them than I had in the seven or eight years we were with our former agency! You have a great team.”

    – PAT CASSAN, Ocean Explorium

  • “I just wanted to take the time to recognize what a remarkable job Danielle Andre is doing. I cannot thank her enough for her time, her kindness and her willingness to make sure I’m comfortable with all the necessary changes that occurred from an insurance standpoint. As a whole, every Sylvia Group staff member has been friendly and knowledgeable, but Danielle has certainly gone above and beyond for me.”

    – SHANNON S., Personal Insurance client

  • “I so appreciate Julie Jennings' help with Medicare planning. It is a relief to be able to consult with a knowledgeable professional on insurance issues. I have no idea how people do this without such help.”

    – CHRIS BLACK, Personal Insurance client

  • “Working with Sylvia Group over recent years has taken our insurance issues from 'groans and moans' to 'no problem.' Rose Lopes, our Account Manager, is one of the most responsive people I have ever worked with. She responds immediately to questions or special requests. It is such a pleasure to work with Rose, who does whatever it takes to find a solution to our needs. We are very pleased… She always has our interests in mind.”

    – LYNNE FOLEY, Director of Human Resources, Five Star Companies, Inc.

  • "Sylvia Group is by far the best insurance agency I have ever dealt with, both personally and in my business. They provide customer support that is not found in other agencies. For example, they take a personal interest in their clients, calls are always taken or returned immediately, and during reviews suggestions are made to offer the most cost effective and comprehensive coverage. When claims occur, they have always been there to facilitate the process. It has truly been a pleasure to have them represent me in my insurance needs."

    - WILLIAM N. WHELAN, Chairman, Whelan Associates LLC