Coronavirus guidance for business

We have gathered together information, websites and checklists that give useful information for employers and businesses during the COVID-19 crisis.

Below you will find information and links to help your business during the coronavirus outbreak.

Sign up to our newsletter to keep up-to-date with the help and support that is available.


Safe exit strategy

Operating at Level 2

On Friday 12th June 2020 Jersey moved through the Safe Exit Framework to operate at Level 2 of the framework.

The public health policy guidelines for level 2 are available here

Risk Assessment

If you are opening your business as part of the Safe Exit Framework you MUST complete a Risk Assessment for your premises before you open and regardless of the number of people you employ. You can download the template here and use the information and guides in the section below to evaluate the steps you need to take to open safely.

Risk assessment guide and template

Here is the link to advice for carrying out a general Risk Assessment in Jersey.

General Risk Assessment Guidance

This UK Guidance on working safely during COVID-19 will help employers, employees and the self-employed undertake an effective Risk Assessment. It also provides examples of best practice that you could adopt in different workplace situations.



Construction and other outdoor work



Couriers, drivers and other work vehicles

Below are examples of completed Risk Assessments issued by the UK HSE . You can use them as a guide to think about:

  • some of the hazards in your business
  • the steps you need to take to manage the risks

Do not just copy an example and put your company name to it as that would not protect your employees. You must think about the specific hazards and controls your business needs.

Office based business

Local shop / newsagent

Food preparation and service

Motor vehicle repair shop



Risk assessment template

For further detailed information on how to operate as restrictions are lifted please see:

Safe Exit for business

Support for your business

The following support is available to your business if it is adversely affected by the coronavirus outbreak:

Jersey Business support

Business rent advice - Free 1:1 consultation

If your business is being affected by COVID-19 and you need help negotiating with your landlord then please complete the Business Rent advice application form below.

This advice can cover issues such as how to demonstrate a change of circumstances, template letters, how to negotiate new arrangements etc.

The Government of Jersey has issued new guidance to tenants and landlords for use during the COVID-19 crisis and our FAQ’s will help you understand how they apply to you.

The templates below have been developed as part of the guidance to help you talk constructively and proactively with your landlord:

For the commercial tenant to use:

Notification of tenants financial hardship

Notification of tenants inability to comply with lease obligation

For the commercial landlord to use:

Notification of landlords inability to company with lease obligations

For both tenant and landlord to confirm the terms of their Voluntary Arrangement:

Letter of Agreement for voluntary agreement during COVID-19

Additional guidance relating to rent and other payments for landlords and tenants during COVID-19 crisis.

Flowchart of Guidance Jersey commercial property

You might find BCR Law’s tenant briefing a useful guide for talking to your landlord at this difficult time.


This podcast features our Head of Business Advisory Team, Nick Steel.  Nick talks about the support available to commercial landlords and tenants for negotiating new terms on their property and rentals.

Apply here for Business Rent advice
HR advice - free 1:1 consultation

If you need to speak to an HR specialist about a specific issue you are having please complete the HR 1:1 support application form.  We promise we’ll then be in touch as quickly as we possibly can to get you the advice you need.

Apply here for HR advice

You might also find our HR Toolkit for Small Business a useful guide for talking to your staff at this difficult time.

Financial planning - free 1:1 consultation

If you need help with forecasting your cash over the next few weeks and months, and you are not receiving support from an accountant or other professional adviser, please complete this financial planning support application form below.

By developing realistic cash projections you will be able to assess whether your business can continue to trade fully or with reduced operations, close down temporarily or cease trading altogether. You can also use this exercise to think about how your business might trade and the practicalities of getting back on your feet once the restrictions are lifted.

You can start this process yourself. Have a look at the Steps to manage your business’s short term cash flow in the Cash flow section of the Resource Hub below

Cash flow in the Resource Hub

Download the Business Monthly Cash flow spreadsheet

Get access to EY’s free Finance Navigator for three months.  This should be used in conjunction with with our Business Monthly Cash flow spreadsheet

Apply here for Financial planning advice
Checklist for business

Download our Coronavirus Checklist for business which explains the steps you should be taking in your business.

Government of Jersey support

Government’s support mechanisms

The Government has a number of support mechanisms in place. You can find details on the in the sections below.

Payroll co-funding scheme

The aim of the payroll co-funding scheme is to help people keep their jobs who would otherwise be made unemployed due to COVID-19 and the restrictions now in place.  This also helps businesses to retain their employees and mean that they can resume normal business activity as soon as possible. 

The scheme is available to eligible businesses where the business has experienced or is highly likely to experience significant detriment due to restrictions put in place to manage the spread of COVID-19. 

You will receive the grant after you have paid the salary/wages of you and your staff.

For information on the payroll co-funding scheme contact: [email protected]

Detailed information on the payroll co-funding scheme
Social security and GST deferment scheme

For businesses and sole-traders, the Government of Jersey introduced a series of measures to mitigate the impact of coronavirus on the Island economy, including:

  • deferring the payment of Social Security contributions;
  • deferring the payment of GST by GST-Registered Businesses; and
  • where the Government is a landlord to a local business (directly or through a Government-owned company) to consider payment deferrals.

This fact sheet explains how to access this support


Short term incapacity allowance

If you have an employee who is following government advice to self-isolate for 7 or 14 days and cannot work from home they can claim sickness benefit.

Claim sickness benefit (short term incapacity benefit) here or call 01534 444444.


Rental payment deferrals

The Government of Jersey will consider rental payment deferrals where it is a landlord to a local business, directly or through a Government-owned company. Requests for rental deferment should be made directly to your landlord or property contact and all requests will be considered on a case-by-case basis.

Tax support

The Government has put in place measures to help with challenges facing taxpayers during this Coronavirus pandemic. Many businesses and particularly those operating in critically affected sectors such as hospitality, agriculture and fishing are experiencing cash flow and trading difficulties.

During these challenging times, Revenue Jersey wants to reassure taxpayers experiencing temporary issues that are creating worry and anxiety. We are committed to working with taxpayers to provide guidance and help to resolve any such difficulties.

This guidance will be reviewed on a regular basis in the light of ongoing developments.

Affected businesses are being encourage to take the following practical steps.

Bank support

Overdraft, loans and other banking facilities

Speak to your own bank as soon as possible about accessing credit facilities and any other options that you might have.

Business disruption loan guarantee scheme

The aim of the Business Disruption Loan Guarantee Scheme is to maintain cash flow so that people can remain in employment and businesses do not have to close permanently. To help you plan download the Business Monthly Cash flow spreadsheet now.

The banks, working together and with the Government of Jersey have structured a disruption loan guarantee scheme which will give you access to Government backed loans. You will access this scheme directly through the banks and the availability and structure of the loan will depend on your business’s individual circumstances.

Key features of the scheme can be found here.

Business disruption loan guarantee scheme

Business support for SME's

IT help

Prosperity 24/7 are offering free webinars for Microsoft Teams tutorials. Microsoft Teams offer useful tools to keep in touch remotely, so you can continue to connect while working away from your office..

Click here to register on one their webinars.

Business2Home directory

Jersey Post have launched a free Business2Home directory to support businesses that are now delivering their services to the community.

Any business or charity that wants to tell Islanders that they will ‘deliver’ their product or service, can sign up free of charge to be included in the brochure. This could be anything from meals, groceries, office supplies, essential supplies such as prescriptions, or home services such as dog-walking or plumbing repairs.

Once companies have completed the online registration, Jersey Post will print and distribute the business directory to every household on the Island.

Sign up here

Marketing help

This 14 day comms challenge is a free online event featuring training from Jacqui Patton, Founder of Ink Blot Creative and Communications expert.

In 14 days, you’ll learn the tools and tactics needed to build greater clarity and awareness for your brand. This is how you boost your brand FASTER!


* Daily, in depth video series from Jacqui Patton.
* Worksheets and frameworks to create brand clarity and increase your brand awareness.
* Communications and Marketing methodologies for reaching long-term success.

Sign up here.

Webinar: Adaption of Business Brand & Imagery with Matt Porteous

Join Lean In – Jersey and local photographer Matt Porteous tomorrow at 6pm, for an online webinar: Adaption of Business Brand & Imagery.

Matt, a passionate, local photographer, will talk through some of his work, the impact on the world as he sees it from his insights during his travels and how he is supporting businesses during this time to adapt their branding and imagery in the face of many pressing changes.

We’re really looking forward to this one! Register online here >

Selling your products online through Fetch is a local online marketplace that allows consumers to buy directly from multiple suppliers on one site. Fetch was initially founded (end of March 2020) as a local solution to keep businesses trading during COVID-19 with the intention of driving sales to businesses and getting them online quickly.

Businesses not only need to get online but also drive awareness of their online offering quickly. Fetch do both! During the current lockdown they are offering Fetch at 0 cost to both customers and businesses – no payment processing fees, no on-boarding fees and no customer handling costs.

There are now over 70 businesses signed up and there are thousands of orders coming through the platform.

To get on-boarded as a business you just need to fill in the onboarding form and the team will get you loaded on ASAP.

Redundancy survival support

Kendrick Rose offers redundancy survival support to organisations in Jersey affected by Covid-19

Local recruitment and strategic resourcing consultancy, Kendrick Rose, is urging Jersey employers to minimize the effects of redundancies by maximizing their commitment to help individuals leaving an organisation.

Providing redundant workers with the right support can mitigate against employment claims and reputational damage.

To help organisations manage this process, Kendrick Rose is offering employers who are considering redundancies as a result of Covid-19 a free 30-minute consultation.

To find out more about Outplacement Services, please contact Shelly Kendrick at Kendrick Rose through

Finance Navigator

EY is offering small businesses and start-ups 3 months free access to EY Finance Navigator.

This is an online financial planning software, which can calculate, on a monthly basis, the impact of different scenarios by modelling cash flow, funding requirements and profitability.

Business owners seeking to register for access to EY Finance Navigator should do so by 31 May using the link on EY’s website:

The Finance Navigator should be used in conjunction with with our Business Cashflow Forecast spreadsheet



Managing your electricity bills

One of the most important actions to take when looking at controlling a business’s finances is to minimise as many outgoings as possible. Large monthly or quarterly bills can be really difficult to sustain in a period when revenue is tight.

After rent and rates, one of the biggest and most important fixed costs for many businesses can be energy. Many companies will have used less energy during the COVID-19 lockdown, but even with lower consumption, some may still be experiencing difficulties paying their bills.

Jersey Electricity will always do what it can to support the community in Jersey, particularly during a crisis like the current one. At an Island-wide level it has decided to defer the planned 2.5% tariff rise due in April 2020 by six months. It is also supporting the build and operation of Jersey’s temporary Nightingale Hospital by providing its services free of charge for the hospital’s four-month operation.
Jersey Electricity support for business

The JEC is sympathetic to any customers who may be experiencing financial difficulties due to COVID-19 and will help customers who are affected on a case-by-case basis to find a workable and affordable solution.

If your business is unable to pay its electricity bill you should be proactive and contact Jersey Electricity as early as possible to discuss the options, which might be:

  • a temporary reduction in payments for customers who pay for electricity by Direct Debit
  • a free advisory service for commercial customers who are having difficulty understanding their consumption patterns to help them find ways to reduce electricity use

You can get in touch by calling 505460 8am to 6pm Monday to Friday, or by emailing [email protected].

FAQs on Keeping your business working

Resource Hub

Our resource hub has podcasts and fact sheets that will help you address many of the business issues you are facing as a result of the COVID-19 outbreak.

It contains information on managing staffing issues, dealing with insurance, templates to help you review your cash flow, negotiating with landlords, your wellbeing and hints and tips on staying safe online.


Resource Hub – Guides & Factsheets


For any business related questions about the (COVID-19) pandemic and its impact on business and information on the payroll co-funding scheme contact us at: [email protected]

For information on the business disruption loan guarantee scheme contact us at: [email protected]


Official advice

The following Government of Jersey pages provide advice relevant to businesses in Jersey:

Guidance for employers and businesses including:

World Health Organisation: how to protect yourself

Foreign Office: Travel advice