General guidelines during COVID-19 pandemic

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Markel is committed to assisting you navigate your business exposures during the COVID-19 pandemic. For the latest information and guidance on current conditions, please visit the Centers for Disease Control and Prevention (cdc.gov) and the World Health Organization (who.it). The following guidelines from the CDC are offered to help remain safe:

Know how it spreads
  • There is currently no vaccine to prevent coronavirus disease 2019 (COVID-19).
  • The best way to prevent illness is to avoid being exposed to this virus.
  • The virus is thought to spread mainly from person-to-person.
    • Between people who are in close contact with one another (within about 6 feet).
    • Through respiratory droplets produced when an infected person coughs, sneezes or talks.
    • These droplets can land in the mouths or noses of people who are nearby or possibly inhaled into the lungs.
    • COVID-19 may even be spread by people who are not showing symptoms.
If you are sick – stay home except to get medical care
  • Stay home. Most people with COVID-19 have mild illness and can recover at home without medical care. Do not leave your home, except to get medical care. Do not visit public areas.
  • Take care of yourself. Get rest and stay hydrated. Take over-the-counter medicines, such as acetaminophen, to help you feel better.
  • Stay in touch with your doctor. Call before you get medical care. Be sure to get care if you have trouble breathing, or have any other emergency warning signs, or if you think it is an emergency.
  • Avoid public transportation, ride-sharing, or taxis.
Monitor your symptoms
  • Common symptoms of COVID-19 include fever, cough or other symptoms. Trouble breathing is a more serious symptom that means you should get medical attention.
  • Follow care instructions from your healthcare provider and local health department. Your local health authorities may give instructions on checking your symptoms and reporting information.
Wash your hands often
  • Wash your hands often with soap and water for at least 20 seconds especially after you have been around other people, or after blowing your nose, coughing, or sneezing.
  • If soap and water are not readily available, use a hand sanitizer that contains at least 60% alcohol. Cover all surfaces of your hands and rub them together until they feel dry.
  • Avoid touching your eyes, nose, and mouth with unwashed hands.
Avoid close contact
  • Avoid close contact with people who are sick.
  • Put distance between yourself and other people.
  • Remember that some people without symptoms may be able to spread the virus.
  • Keeping distance from others is especially important for people who are at higher risk for severe illness, including: older adults, people with asthma, people with HIV, and those with other underlying medical conditions.
Cover your mouth and nose with a cloth face cover when around others
  • You could spread COVID-19 to others even if you do not feel sick.
  • Everyone should wear a cloth face cover when they are out with others in public.
  • The cloth face cover is meant to protect other people in case you are infected.
  • Do NOT use a facemask meant for a healthcare worker.
  • Continue to maintain a distance of about 6 feet between yourself and others. The cloth face cover is not a substitute for social distancing.
Cover coughs and sneezes
  • If you are around others and do not have on your cloth face covering, remember to always cover your mouth and nose with a tissue when you cough or sneeze or use the inside of your elbow.
  • Throw used tissues in the trash.
  • Immediately wash your hands with soap and water for at least 20 seconds. If soap and water are not readily available, clean your hands with a hand sanitizer that contains at least 60% alcohol.
Clean and disinfect
  • Clean and disinfect frequently touched surfaces. This includes equipment, tables, doorknobs, light switches, seats, handles, desks, phones, keyboards, toilets, faucets, and sinks.
  • If surfaces are dirty, clean them. Use detergent or soap and water prior to disinfection.
  • Then, use a household disinfectant. Most common EPA-registered household disinfectants will work.

Sources:

Centers for Disease Control and Prevention (CDC)
https://www.cdc.gov/coronavirus/2019-ncov/if-you-are-sick/steps-when-sick.html
https://www.cdc.gov/coronavirus/2019-ncov/prevent-getting-sick/how-covid-spreads.html
https://www.cdc.gov/handwashing/when-how-handwashing.html
https://www.cdc.gov/coronavirus/2019-ncov/prevent-getting-sick/social-distancing.html
https://www.cdc.gov/coronavirus/2019-ncov/need-extra-precautions/people-at-higher-risk.html
https://www.cdc.gov/coronavirus/2019-ncov/prevent-getting-sick/cloth-face-cover.html

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This document is intended for general information purposes only, and should not be construed as advice or opinions on any specific facts or circumstances. The content of this document is made available on an “as is” basis, without warranty of any kind. This document can’t be assumed to contain every acceptable safety and compliance procedures or that additional procedures might not be appropriate under the circumstances. Markel does not guarantee that this information is or can be relied on for compliance with any law or regulation, assurance against preventable losses, or freedom from legal liability. This publication is not intended to be legal, underwriting, or any other type of professional advice. Persons requiring advice should consult an independent adviser. Markel does not guarantee any particular outcome and makes no commitment to update any information herein, or remove any items that are no longer accurate or complete. Furthermore, Markel does not assume any liability to any person or organization for loss of damage caused by or resulting from any reliance placed on that content.

*Markel Specialty is a business division of Markel Service, Incorporated, the underwriting manager for the Markel affiliated insurance companies.
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