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CORONAVIRUS TOOLKIT

As the coronavirus outbreak escalates, Staffordshire Chambers of Commerce have been receiving enquiries from businesses asking what steps they should be taking. We’re committed to do all we can to support the business community in Staffordshire at this difficult time.

Coronavirus is a potentially lethal respiratory disease which has now spread to countries throughout the world, including the UK. The virus is classified as an airborne high consequence infectious disease (HCID) and can cause coughing, high temperatures and, potentially, pneumonia.

DAILY BRIEFING

Each weekday, we're putting together a support sheet with the latest guidance for businesses. This daily briefing gives you advice on the range of support available, including financial, tax, insurance, employment and mentoring.

CORONAVIRUS SUPPORT

On 23 March the government, stepped up measures to prevent the spread of coronavirus and save lives ordering businesses and premises and other venues to close for trade from this date as well as implementing the following measures:

    Requiring people to stay at home, except for very limited purposes
    Closing non-essential shops and community spaces
    Stopping all gatherings of more than two people in public

Every citizen must comply with these new measures unless they are considered an essential worker in a listed critical sector.

The relevant authorities, including the police, will be given the powers to enforce them – including through fines and dispersing gatherings.

Length of closure
The first point of review for these measures will be in three weeks from this date. This review will consider their necessity and effectiveness in light of changing circumstances.

Coronavirus Business Support
A full range of business support measures have been made available to UK businesses and employees. This page helps businesses find out how to access the support that has been made available, who is eligible, when the schemes open and how to apply.

Support to self employed individuals
The Chancellor announced on 26 March that millions of self-employed individuals will receive direct cash grants though the Self-Employed Income Support Scheme, a ground-breaking UK-wide scheme for those whose income has been impacted by the coronavirus.

Social distancing
The most effective way to prevent the spread of Covid-19 is to stay at home and away from others by social distancing. Review the official guidance from UK government.

Social distancing for those who are still open
Employers who have people in their offices or onsite should ensure that employees are able to follow Public Health England guidelines including, where possible, maintaining a 2 metre distance from others, and washing their hands with soap and water often for at least 20 seconds (or using hand sanitiser gel if soap and water is not available).

1. Tax
Deferral of VAT for 3 months - VAT payments will be deferred for 3 months (until 30 June 2020). This is an automatic offer with no applications required. Taxpayers will be given until the end of the 2020 to 2021 tax year to pay any liabilities that have accumulated during the deferral period. For the self-employed, Income Tax payments due in July 2020 under the Self-Assessment system will be deferred to January 2021. Self-employed will get full Universal Credit at a rate equivalent to statutory sick pay.
Time to Pay upscaled - a dedicated helpline has been set up to help businesses and self-employed individuals in financial distress and with outstanding tax liabilities to receive support with their tax affairs. Through this, businesses may be able to agree a bespoke Time to Pay arrangement.

2. Financial aid
Coronavirus Business Interruption Loan Scheme (CBILS)
This new scheme delivered by the British Business Bank, will enable small and medium sized businesses to apply for a loan from £1,000 to up to £5m, with the government providing a guarantee of 80% on each loan and with no interest due for the first twelve months. CBILS supports a wide range of business finance products, including term loans, overdrafts, invoice finance and asset finance facilities. CBILS is now open for applications.

Coronavirus Large Business Interruption Loan Scheme (CLBILS)
Government to provide a guarantee of 80% to enable banks to make loans of up to £25 million to firms with an annual turnover of between £45 million and £500 million.

Support to self employed individuals
The Self-employment Income Support Scheme is a ground-breaking UK-wide scheme for self-employed individuals whose income has been impacted by coronavirus to receive direct cash grants. Those who are eligible can receive a cash grant worth 80% of their average monthly trading profit over the last three years, up to £2,500 per month. This covers 95% of people who receive the majority of their income from self-employment.

Other loans and grants
£25,000 cash grant - for businesses in the retail, hospitality and leisure sectors, with a rateable value over £15,000 and below £51,000
£10,000 cash grant to small businesses - there will be a £10,000 cash grant to small firms in England eligible for Small Business Rate Relief. This will be delivered by Local Authorities.

Please see the guidance for businesses setting out details of the Small Business Grants Fund (SBGF) and Retail, Hospitality and Leisure Grant Fund (RHLGF).

3. Coronavirus Job Retention Scheme (CJRS)
Government grants will cover 80% of the salary of retained workers, up to a total of £2,500 a month. The scheme, open to any employer in the country, will cover the cost of wages backdated to March 1st and will be open before the end of April for at least 3 months.

4. Statutory Sick Pay (SSP)
SSP will be temporarily available to those who are advised to self-isolate and people caring for those within the same household who display Coronavirus symptoms and have been told to self-isolate. A new style Employment and Support Allowance and Universal Credit will be available to those that are not entitled to Statutory Sick Pay. For businesses with fewer than 250 employees, the cost of providing 14 days of statutory sick pay per employee will be refunded by the UK government in full. This will provide 2 million businesses with up to £2billion to cover the costs of large-scale sick leave.

5. Business Rates
The UK government is temporarily increasing the Business Rates discount to all businesses in the retail, hospitality and leisure sectors in England to 100% for 2020-21, irrespective of rateable value.

6. Self-employment Income Support Scheme (SEISS)
The Self-employment Income Support Scheme (SEISS) will support self-employed individuals (including members of partnerships) whose income has been negatively impacted by COVID-19. The scheme will provide a grant to self-employed individuals or partnerships, worth 80% of their profits up to a cap of £2,500 per month. People able to make their first claim by the beginning of June.

7. Three-month ban on eviction for commercial tenants
Commercial tenants who cannot pay their rent because of coronavirus will be protected from eviction.This will mean that no business will be forced out of their premises if they miss a payment in the next 3 months. Commercial tenants will still be liable for the rent after this period.

Business rates holiday for retail, hospitality and leisure businesses

What is it?
The UK government is temporarily increasing the Business Rates discount to all businesses in the retail, hospitality and leisure sectors in England to 100% for 2020-21, irrespective of rateable value. Businesses that received the retail discount in the 2019 to 2020 tax year will be rebilled by their local authority as soon as possible.

There may be some variations among the devolved nations.In Northern Ireland there will be a three-month rates holiday for all business ratepayers, excluding public sector and utilities. The effect of this is that no rates will be charged for Q2 2020 and will be shown as a 25% discount on the annual rate bill. Business rate bills will also not be issued until June 2020. In Wales, retail, leisure and hospitality businesses with a rateable value of £51,000 or less will receive a 100% business rates discount.

Am I eligible?
You are eligible for the business rates holiday if your business is in the retail, hospitality and/or leisure sector. Properties that will benefit from the relief will be occupied hereditaments that are wholly or mainly being used: as shops, restaurants, cafes, drinking establishments, cinemas and live music venues, for assembly and leisure, as hotels, guest & boarding premises and self-catering accommodation. For more information please refer to the Expanded Retail Discount 2020/21: Coronavirus Response – Local Authority Guidance.

What do I need to do to access it?
There is no action for you. This will apply to your next bill in April 2020. However, local authorities may have to reissue your bill automatically to exclude the business rate charge.

Who do I need to speak to?
In England, speak to your local authority (likely to be the billing authority for rates).For details on accessing schemes in the devolved nations follow the links at the bottom of the document.

Coronavirus Business Interruption Loan Scheme (CBILS)

What is it?
The UK government will provide lenders with a guarantee of 80% on each loan. CBILS supports a wide range of business finance products, including term loans, overdrafts, invoice finance and asset finance facilities with a value of from £1,000, up to £5 million. Businesses can access the first 12 months of that finance interest free, as government will cover the first 12 months of interest payments. At the discretion of the lender, the scheme may be used for unsecured lending for facilities of £250,000 and under. Finance terms are up to six years for term loans and asset finance facilities and up to up to three years for overdrafts and invoice finance facilities.

Am I eligible?
A link to British Business Bank’s eligibility checklist can be found here.

The borrower remains fully liable for the debt. The Big Four banks have agreed that they will not take personal guarantees as security for lending below £250,000.

What do I need to do to access it?
The scheme went live on 23 March 2020, speak to your business banking provider or one of the accredited lenders.

Who do I need to speak to?
You should talk to your bank or finance provider (not the British Business Bank) as soon as possible and discuss your business plan with them. For further information click here.

Covid-19 Corporate Financing Facility (CCFF)

What is it?
The Bank of England will provide funding - aimed at large businesses - by purchasing commercial paper of up to one-year maturity. The facility will offer financing on terms comparable to those prevailing in markets in the period before the impact of Covid-19. The facility will look through temporary impacts on firms’ balance sheets and cash flows by basing eligibility on firms’ credit ratings prior to the Covid-19 shock. The scheme will operate for at least 12 months.

Am I eligible?
The scheme is open to firms that can demonstrate that they were in sound financial health prior to the impact of Coronavirus. Companies who wish to use the scheme do not need to have issued commercial paper before. Here is further information for firms looking to participate in the scheme.

If your firm does not have an existing credit rating from the major credit ratings agencies, the Bank of England recommend that you speak to your bank in the first instance. If that bank’s advice is that the firm was viewed internally as equivalent to investment grade as at 1 March 2020, then contacting the Bank of England at CCFFeligibleissuers@bankofengland.co.uk to discuss your potential eligibility. The central bank will then make an assessment of whether you can be deemed as equivalent to having a public investment grade rating.

When can I access the scheme?
The scheme is open for applications.

Who do I need to speak to?
Speak to your bank. It is important to note that not all banks issue commercial paper. If your bank does not issue commercial paper, UK Finance has provided a list of those banks that are able to assist.

Coronavirus Job Retention Scheme

What is it?
Government grants will cover 80% of the salary of retained workers, up to a total of £2,500 a month. The scheme, open to any employer in the country, will cover the cost of wages backdated to March 1st and will be open before the end of April for at least 3 months. The employer can choose to fund the differences between the grant and an employee’s salary but does not have to.

Am I eligible?
Any UK organisation with employees can apply, including businesses, charities, recruitment agencies (agency workers paid through PAYE) and public authorities.

You must have created and started a PAYE payroll scheme on or before 28 February 2020 and have a UK bank account.

Employees you can claim for: full-time employees, part-time employees, employees on agency contracts and employees on flexible or zero-hour contracts

Furloughed employees must have been on your PAYE payroll on 28 February 2020. The scheme also covers employees who were made redundant since 28 February 2020, if they are rehired by their employer. Employees hired after 28 February 2020 cannot be furloughed or claimed for in accordance with this scheme.

To be eligible for the scheme, when on furlough, an employee can not undertake work for or on behalf of the organisation. This scheme is only for employees on agency contracts who are not working.

If an employee is working, but on reduced hours, or for reduced pay, they will not be eligible for this scheme.

You do not need to place all your employees on furlough. However, those employees who you do place on furlough cannot undertake work for you.

Employees on unpaid leave cannot be furloughed, unless they were placed on unpaid leave after 28 February.

Employees on sick leave or self-isolating should get Statutory Sick Pay, but can be furloughed after this.

Employees who are shielding in line with public health guidance can be placed on furlough.

If your employee has more than one employer they can be furloughed for each job. Each job is separate, and the cap applies to each employer individually.

A furloughed employee can take part in volunteer work or training, as long as it does not provide services to or generate revenue for, or on behalf of your organisation.

What do I need to do to access it?
You will need to:
- Designate affected employees as furloughed workers (when staff members are required to take an unpaid leave of absence) and notify your employees of this change - changing the status of employees remains subject to existing employment law and, depending on the employment contract, may be subject to negotiation. Workersshould not undertake work while they are ‘furloughed’.
- Submit information to HMRC about the employees that have been furloughed and their earnings through a new online portal (HMRC will set out further details on the information required).

To claim, you will need:
- your ePAYE reference number
- the number of employees being furloughed
- the claim period (start and end date)
- amount claimed (per the minimum length of furloughing of 3 weeks)
- your bank account number and sort code
- your contact name
- your phone number

HMRC are currently working to set up a system for reimbursement as existing systems are not set up to facilitate payments to employers.If your business needs short term cash flow support, you may be eligible for a Coronavirus Business Interruption Loan.

Who do I need to speak to?
HMRC. This scheme is currently expected to open by the end of April.

The government has announced further details of the scheme available here.

Find more information in our Coronavirus Job Retention Scheme FAQs developed with our colleagues at Quest.

Deferral of VAT for 3 months

What is it?
VAT payments will be deferred for 3 months (until 30 June 2020). Taxpayers will be given until the end of the 2020 to 2021 tax year to pay any liabilities that have accumulated during the deferral period. It does not cover VAT MOSS payments.

For the self-employed, Income Tax payments due in July 2020 under the Self-Assessment system will be deferred to January 2021. Self-employed will also get full Universal Credit at a rate equivalent to statutory sick pay.

Am I eligible?
All UK businesses are eligible.

What do I need to do to access it?
This is an automatic offer with no applications required. Businesses will not need to make a VAT payment during this period.

VAT returns should be filed as usual. In order to ensure payments are not taken automatically, direct debits should be cancelled. VAT refunds and reclaims will be paid by the government as normal.

Who do I need to speak to?
This is an automatic offer with no applications required.

Grants to small businesses  in England  eligible for Small Business Rate Relief

What is it?
The government will provide additional funding for local authorities to support small businesses that already pay little or no business rates because of small business rate relief (SBBR). This will provide a one-off grant of £10,000 (increased from the £3,000 announced at budget) to businesses currently eligible for SBRR or rural rate relief, to help meet their ongoing business costs.

Am I eligible?
You are eligible if your business is eligible for SBRR (rateable value of less that £15,000) or rural rate relief.In Wales, businesses are eligible for Small Business Rates Relief with a rateable value of £12,000 or less.

What do I need to do to access it?
You will be contacted by your local authority and do not need to apply. There are likely to be variations across the devolved nations. For example, in Scotland, there is a similar scheme but the mechanism for distribution currently remains unconfirmed.

Who do I need to speak to?
In England, you will be contacted by your local authority and do not need to apply. For details on accessing schemes (when available) in the devolved nations follow the links at the bottom of the document.

Grants for retail, hospitality and leisure small businesses

What is it?
A £25,000 grant will be provided to retail, hospitality and leisure businesses operating from smaller premise.

Am I eligible?
Retail, hospitality and leisure businesses operating from smaller premises, with a rateable value over £15,000 and below £51,000  are eligible. There may be some variations among the devolved nations. In Scotland, hospitality, leisure and retail properties with a rateable value between £18,000 and £51,000 are eligible. In Wales, hospitality, leisure and retail properties with a rateable value between £12,001 and £51,000 are eligible.

What do I need to do to access it?
Any enquiries on eligibility for, or provision of, the grants in England should be directed to the relevant local authority (likely to be the billing authority for rates).

Who do I need to speak to?
In England, speak to your local authority. For details on accessing schemes (when available) in the devolved nations follow the links at the bottom of the document.

Self-employment Income Support Scheme

What is it?
The Self-employment Income Support Scheme (SEISS) will support self-employed individuals (including members of partnerships) whose income has been negatively impacted by COVID-19. The scheme will provide a grant to self-employed individuals or partnerships, worth 80% of their profits up to a cap of £2,500 per month. HMRC will use the average profits from tax returns in 2016-17, 2017-18 and 2018-19 to calculate the size of the grant. The scheme will be open to those where the majority of their income comes from self-employment and who have profits of less than £50,000. The scheme will be open for an initial three months with people able to make their first claim by the beginning of June.

Am I eligible?
To be eligible for the scheme you must meet all the criteria below:
- Be self-employed or a member of partnership;
- Have lost trading/partnership trading profits due to COVID-19;
- File a tax return for 2018-19 as self-employed or a member of a trading partnership. Those who have not yet filed for 2018-19 will have an additional 4 weeks from this announcement to do so;
- Have traded in 2019-20; be currently trading at the point of application (or would be except for COVID 19) and intend to continue to trade in the tax year 2020 to 2021
- Have trading profits of less than £50,000 and more than half of your total income come from self-employment. This can be with reference to at least one of the following conditions:
- Your trading profits and total income in 2018/19
- Your average trading profits and total income across up to the three years between 2016-17, 2017-18, and 2018-19.

What happens to individuals whose 2018/19 profits are very different to what they would have expected to make this year?
The government will only act on the most recently available data. This is from the 2018/19 tax year. To try to provide the most accurate possible estimate of self-employed income, we can look at average profits over 16/17, 17/18 and 18/19.

Is this grant subject to tax?
Yes – individuals will pay Income Tax and National Insurance on any payments received through this scheme as they are replacement for income in line with normal practice for benefits or grants that replace income. The grant is recognised as income for the purposes of Universal Credit and Tax Credits and may impact the amount claimants are entitled to.

What should self-employed people do while they wait to be paid?
In the interim, self-employed individuals may be eligible for universal credit. The government has provided over £6.5bn of additional support through the welfare system for those affected by Covid-19.

Why does this scheme not cover small businesses who are incorporated?
Self-employed individuals who are owner-managers and pay themselves a salary through PAYE will be eligible for support through the Coronavirus Job Retention Scheme. SMEs can also access support through the temporary Coronavirus Business Interruption Loan Scheme. This supports SMEs with access to loans, overdrafts, invoice finance and asset finance of up to £5 million and for up to 6 years.

This new Self-Employment Income Support Scheme is open to anyone who reports trading profits through Income Tax Self-Assessment. Self-employed individuals who work through a company do not report their trading profits in this way.

How do I access it?
Individuals should not contact HMRC now. HMRC will use existing information to check potential eligibility and invite applications once the scheme is operational. HMRC will then pay the grant directly to eligible claimants’ bank account. For eligible individuals who have not submitted their returns for 2018-19, they will have 4 weeks’ notice from today to file their returns and therefore become eligible for this scheme.

When can I access it?
Grants are expected to start to be paid by the beginning of June 2020.

Statutory Sick Pay

What is it?
Small-and medium-sized businesses and employers to reclaim Statutory Sick Pay (SSP) paid for sickness absence due to COVID-19. SSP is payable from day one of sickness absence.

Am I eligible?
The eligibility criteria for the scheme will be as follows:
- this refund will cover up to 2 weeks’ SSP per eligible employee who has been off work because of COVID-19
- employers with fewer than 250 employees will be eligible - the size of an employer will be determined by the number of people they employed as of 28 February 2020
- employers will be able to reclaim expenditure for any employee who has claimed SSP (according to the new eligibility criteria) as a result of COVID-19
- employers should maintain records of staff absences and payments of  SSP, but employees will not need to provide a GP fit note. If evidence is required by an employer, those with symptoms of coronavirus can get an isolation note from NHS 111 online and those who live with someone that has symptoms can get a note from the NHS website
- eligible period for the scheme will commence the day after the regulations on the extension of  SSP to those staying at home comes into force

If you are not eligible for  SSP – for example if you are self-employed you have COVID-19  or are advised to stay at home, you can now make a claim for Universal Credit or a new style Employment and Support Allowance. From 6 April 2020, the requirements of the Minimum Income Floor will be temporarily relaxed and will last for the duration of the outbreak. New claimants will not need to attend the jobcentre to demonstrate gainful self-employment.

What do I need to do to access it?
A rebate scheme is being developed. Further details will be provided in due course once the legalisation has passed.

Who do I need to speak to?
TBC, but likely to be the Department for Work and Pensions.

Time to Pay

What is it?
All businesses and self-employed people in financial distress, and with outstanding tax liabilities, may be eligible to receive support with their tax affairs through HMRC’s Time To Pay service. These arrangements are agreed on a case-by-case basis and are tailored to individual circumstances and liabilities.

Am I eligible?
You are eligible if your business pays tax to the UK government and has outstanding tax liabilities.

What do I need to do to access it?
If you have missed a tax payment or you might miss your next payment due to COVID-19, please call HMRC’s dedicated helpline: 0800 0159 559. If you’re worried about a future payment, HMRC advice to call them nearer the time.

Who do I need to speak to?
Call HMRC’s new helpline: 0800 024 1222

Open from 8am to 4pm Monday to Friday.

The Government has announced the closure of schools, colleges and nurseries until further notice. Schools will provide care for the children of workers that the Government has listed as critical to the response to COVID 19.

Please read in conjunction with:
- Guidance on qualifying categories of workers has been published for schools.
- Information for parents and carers.
- Guidance for schools on temporary closures.

BCC has sought clarification from Ministers on the status of workers who provide time-critical services not directly related to the response to COVID 19 and will update these FAQs as further information is obtained.

Critical Workers and School Closures FAQS

The Business Secretary Alok Sharma has confirmed that the government will put in place measures to ensure that companies required to hold annual general meetings can do so flexibly in a manner which is compatible with the best public health guidance. This might include postponing or holding the AGM online or by phone using only proxy voting.

See our Coronavirus Hub FAQ page on UK Government Support Measures for detailed information.

The UK Government has announced changes to the way businesses pay tax:

Deferral of VAT payments from 20 March until 30 June 2020. These are automatic: all are eligible with no application required. No business will need to pay VAT liabilities from this period until 5 April 2021.

12-month business rates holiday for all retail, hospitality and leisure businesses in England. This is for properties used as shops; restaurants and cafes; drinking establishments; cinemas and live music venues; hotels, guest and boarding premises; and self-catering accommodation.

Income Tax Self-Assessment payments due on 31 July 2020 deferred until 31 January 2021.

HMRC operates a helpline for businesses affected by the Coronavirus pandemic.

There has been no official announcement of enforced suspension of billing by utility companies (as of 23/3/20). Businesses should check for announcements by their suppliers and contact them for clarification of changes to terms and conditions if necessary.

The UK Government has announced that commercial tenants unable to pay rent in the next three months because of coronavirus will be protected from eviction.

See our Coronavirus Hub FAQ page on UK Government Support Measures for detailed information. UK Finance represents banks and other organisations that lend to businesses. It states that its members are ‘putting in place emergency measures, including extensions to overdraft, invoice finance and other working capital facilities, payment holidays and fee waivers’. Businesses worried about cashflow should contact their bank / finance provider to discuss the help available.

Business should plan for an indefinite period of heavy restrictions to international travel across all regions of the globe. Official FCO guidance (correct as of 23/3/20):

‘As countries respond to the COVID-19 pandemic, including travel and border restrictions, the FCO advises British nationals against all but essential international travel. Any country or area may restrict travel without notice.’

For travel within the UK, businesses should check in with official guidance and news alerts on social distancing and self-isolation rules. Government advice on movement is evolving by the day.

UK seaports remain open. Operators state their intention to stay operational through the crisis subject, to evolving government guidance. The UK government updated its official guidance for seaports on COVID-19 on 19 March. This focuses on procedures for reporting and processing of cases in #marine settings.

The global shipping industry reports disruption to freight movements. particularly to vessels inbound from Asia. This follows from factory shutdowns and other disruptions to production and logistics.

Airports worldwide remain open to freight movements, subject to official guidance. But the disruption to passenger flights and personal travel has affected air freight. Passenger planes carry just over half of the world’s air freight by weight: the reduction in passenger flights has forced up cargo rates for dedicated freight planes on some routes.

Some countries are restricting export of goods judged to be essential in the coronavirus crisis. The UK has banned certain medicines from parallel export (where goods intended for UK patients are sold overseas).

The Department for International Trade has a dedicated Coronavirus web resource for companies that trade internationally. This includes a commitment to support importers find alternative overseas suppliers where supply chains are interrupted.

BEIS have announced that rules on carrying over annual leave to be relaxed to support key industries during COVID-19(27/03). Workers who have not taken all of their statutory annual leave entitlement due to COVID-19 will now be able to carry it over into the next 2 leave years.

In the first instance, contact your local Chamber as they can put you in touch with local NHS trusts who need the equipment. You can also fill in this form.

If you are able to support the production of ventilators, please click the link to submit your details, or contact Ventilator.support@beis.gov.uk

Since 30 March 2020, Right to Work checks have been temporarily adjusted to make it easier for employers to carry them out during the coronavirus outbreak.

Until further notice, employers do not need to see original documents and can complete Right to Work checks over video calls.

Prospective workers are now able to submit scanned documents, rather than originals, to show they have the right to work. Checks continue to be necessary and it is an offence to knowingly employ or let property to anyone who does not have legal immigration status in the UK.

If prospective or existing employees cannot provide any of the accepted documents, employers should use the Employer Checking Service.

Once the temporary changes end, employers will be asked to carry out prescribed checks on existing employees who started work during the pandemic.

Full guidance on what it means for employers can be found on GOV.UK and see further guidance from the Home Office.

The Pensions Regulator has issued guidance to provide support for those facing difficult decisions and circumstances.

NHS Guidance

Guidance for businesses and workers
On 23 March the government stepped up measures to prevent the spread of Coronavirus.

The government has published a list of businesses that must now close. A full list of those is here.

The government has also released a list of key workers who can continue to send their children to school. Government guidance on these categories can be found here.

Employers who have people in their offices or onsite should ensure that employees are able to follow Public Health England guidelines including, where possible, maintaining a 2 metre distance from others, and washing their hands with soap and water often, for at least 20 seconds (or using hand sanitiser gel if soap and water is not available).

Stay at home
Those who are able, should work from home wherever possible. The NHS has released guidance on how to avoid catching or spreading the virus.

Key points include:
- Only go outside for food, health reasons or work (where this absolutely cannot be done from home)
- Stay 2 metres (6ft) away from other people
- Wash your hands as soon as you get home

You can spread the virus even if you don’t have symptoms.

Households with confirmed or possible Coronavirus infection.
The most common symptoms of coronavirus (COVID-19) are recent onset of:
- new continuous cough and/or
- high temperature
- View the stay at home guidance if you, or someone in your household is possibly infected with coronavirus (COVID-19).

2. Social distancing – stay at home, protect the NHS, save lives
The most effective way to prevent the spread of Covid-19 is to stay at home and away from others by social distancing. Review the official guidance from UK government.

Businesses have been hit hard by the impact of Coronavirus. View the below resources to help support employers and employees in a change in circumstances. 3rd party resources

Business Planning
Companies House: guidance if Coronavirus has affected your company and you need more time to file your accounts.

HMRC: tax helpline to help businesses concerned about paying their tax due to Coronavirus.

EU drivers hours - Temporary relaxation of the enforcement of EU drivers’ hours rules: drivers supplying supermarkets.

Barclays has an existing £14 billion lending fund which launched in 2019 as part of a three-year commitment to help SMEs build resilience during uncertain times.

This Procurement Policy Note (PPN) from the Cabinet Office sets out information and guidance for public bodies on payment of their suppliers to ensure service continuity during and after the Coronavirus outbreak.

Working Remotely
- Online events: Top tips for presenting online events.
- HSE: Protect home workers
- ACAS: Advice for employers and employees
- Gov.UK : Guidance for employers and businesses
- Hays Recruitment: Resource Hub for managing at home

Insurance
Aon: Business Continuity Management for Infectious Disease Threat and Cyber Risk Implications of the Coronavirus Outbreak. Association of British Insurers (ABI): Coronavirus Q & A on insurance related queries and Coronavirus Information Hub.

Employee wellbeing
Your emotional and mental wellbeing is important. It is normal to feel stressed or lonely when self-isolating, but there are some things you can do to feel better.

- Review the information from Mind on Coronavirus and your wellbeing with advice and support while self-isolating or working from home.
- New advice to support mental health during coronavirus outbreak.
- See 10 tips to help if you are worried about Coronavirus.
- Look after your mental wellbeing whilst staying at home.
- Get fit with a strength and flex workout plan.
- Support for renters - Complete ban on evictions and additional protection for renters.
- How to apply for a three month mortgage holiday.

THE COVID-19 BUSINESS TOOLKIT, BY STAFFORDSHIRE CHAMBERS AND
CROSS RHYTHMS CITY RADIO

WEBINAR LIBRARY

As our events have now postponed, we are now bringing your our events online. We are organising webinars every week for you to join. they can all be found on our events calendar. If you have missed any of our webinars they can be found in our new webinar library.

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