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 3

From Monday 11th May 2020 Jersey will begin to move through the Safe Exit Framework and will operate at Level 3 of the framework.

The public health policy guidelines for level 3 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.

Offices

Warehouses

Construction and other outdoor work

Restaurants

Shops

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

Warehouse

 

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.

Podcast

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 Cashflow

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

Includes:

* 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 > https://bit.ly/2xd2EgD

Selling your products online through Fetch

Fetch.je 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 Fetch.je 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 www.kendrickrose.com

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

 

Keeping your business working

You need to consider how your workplace is operating, how you manage your team and what would happen if a member of your team contracts coronavirus.

However because of the strict social distancing measures to limit the spread of coronavirus some businesses must close to the public.

Business that must close

The Government has issued specific guidelines for the following businesses and industry sectors that must remain closed:

  • Food and drink except take-away food and al fresco
  • Hotels and accommodation
  • Non-residential institutions
  • Indoor leisure

Useful Government links for closure advice  

Business advice for social distancing  

General advice for social distancing 

Food Safety during a changing business model 

26th March – Gov advice on further business closures

The following businesses should close to the public with immediate effect: 

  • Hair salons and barbers 
  • Nail bars 
  • Beauty parlours 
  • Tattoo and piercing studios 
  • Laser and cosmetic clinics delivering non-essential cosmetic treatments 

24th March –  Extended social distancing measures

Additional sector closure requirements list from Government  

  • cinemas, theatres, and concert halls  
  • museums and galleries  
  • spas, wellness centres and massage facilities 
  • all indoor leisure and sports facilities, including gyms and swimming pools 
  • betting shops. 

Sunday 22nd  Pub & nightclub closures

pubs and nightclubs that aren’t serving food must close as of 8pm tonight. Those venues with food and drink areas must close the drinks side and only serve to tables within restaurant areas.” 

  • Pubs 
  • Night clubs 

 

What does 'Stay at home' mean for my business

On Sunday 29th March the Government of Jersey announced that all but essential workers must stay at home from 08:00 on Monday 30th March 2020.

To understand what this means for you and your business have a look at:

Advice for business during stay at home restrictions

Frequently asked questions on stay at home for business

Essential work

Some businesses that provide ‘essential work’ are permitted to remain open, for details click here.

If your organisation is providing essential goods or services, you are asked to pare back to only necessary activity with minimum.

It is very important that all essential workers have up-to-date identification with them identifying them as an essential worker.  Identification could be a work identity card or a letter from the business confirming the individual’s job/role.

If your business is able to stay open you must display this poster in the window.

Making a safe delivery

The following guidelines will also be added to help ensure deliveries are conducted safely:

  • Retailers should pro-actively plan how they will deliver goods in a way that maintains a social distance of 2 metres between workers, and between workers and customers, at all times. This may include:
  • Explain to customers how the delivery will work by phone or email in advance
  • Only one person in a delivery vehicle at any one time
  • Payments
    • Take payment in advance of delivery wherever possible
    • If a handheld device is used for on-site payment, do not hand it directly to a customer; instead ask the customer to stand back, place it on a convenient spot before stepping away 2 metres, to allow the customer to complete the transaction; the customer should then step back 2 metres to allow collection of the handheld device
    • Ensure the device is cleaned before and after each transaction
    • Avoid cash where possible
  • Making the delivery
    • Where a delivery won’t fit through a letterbox, place it at the customer’s door, or in an outdoor location appropriate to the item
    • Knock on the door, and step aside to a safe distance while the customer retrieves their item(s), or confirms delivery if the item is being left outside. This will ensure the item is delivered safely and securely
    • Where proof of receipt is required, consider enabling the delivery worker to log the name of the person accepting the item on their behalf.
  • Larger items
    • Generally, the purchase and delivery of larger items that require more than one person to deliver them should be avoided unless absolutely necessary during the Stay at Home period, owing to the increased risk posed to workers and customers involved in delivering these items
    • However, it is accepted that in an emergency customers will need essential household goods such as cookers, freezers, fridges and washing machines to be delivered inside the property
    • Where a retailer is delivering a larger household item, an agreed advance plan with the customer is crucial
      • If more than one worker is needed to complete the delivery, they should travel in separate vehicles, or in a socially distanced way in one vehicle if that can be done while observing normal safety standards
      • Where possible, the customer should take receipt of the delivery outside and transport the item(s) into their home themselves
      • If delivery workers needs to enter a house to deliver an item
        • Use the external door nearest to the final indoor location
        • Ensure householders stay a safe distance away of at least 2-3 metres, or ideally in another room whilst the delivery takes place
        • Leave promptly
      • Delivery workers should not enter a household where anyone is isolating for confirmed or suspected Coronavirus. In other households, some people are extremely vulnerable to Coronavirus and are shielding themselves from it by staying at home. Ensure delivery workers know they can abort a delivery and reschedule if they believe that entering a home could be a risk to the customer, them or other customers.
      • Remember that good hand hygiene is the first and most important line of defence. Ensure all workers are able to wash their hands with alcohol-based hand sanitiser before and after each delivery. They should also aim to wash their hands with soap and water periodically during the day.
Landlord & tenant negotiations

The Government of Jersey has published Guidance to be followed by Landlords and Tenants of Commercial Property during COVID-19.

This Guidance is a set of guidelines as to how landlords and tenants should be expected to behave during COVID-19 period which the Courts will adopt by way of a Practice Direction. This is extremely important in order to manage relationships and deal with potential conflict between businesses and their landlords at this unprecedented time for the economy.

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

There are also a set of frequently asked questions which may help with any queries you may have.

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

Construction sector

This information for Construction was updated 12.04.2020

Construction sector

Construction sites must close from 6pm on Friday, 3 April, until further notice, under the advice from the Medical Officer for Health.

A construction site is defined as such if the company or individual is required to comply with the Health and Safety Construction (Jersey) Regulations 2016.

Construction work means any work of construction, alteration, conversion, fitting out, commissioning, renovation, repair, maintenance, de-commissioning, demolition or dismantling of any structure, and includes:

  • the demolition or dismantling of a structure and the removal from the relevant construction site of any product or waste resulting from the demolition or dismantling
  • the assembly of prefabricated elements to form a structure or the disassembly of prefabricated elements which, immediately before such disassembly, formed a structure
  • the installation, commissioning, maintenance, repair or removal of mechanical, electrical, gas, compressed air, hydraulic, telecommunications, computer or similar services that are normally fixed to a structure; and
  • any work of excavation, landscaping, preparatory work, or site preparation carried out for the purpose of any work or activity referred to in this definition (otherwise than in this sub-paragraph)

Sites will only be able to reopen once they have a licence, details of which will be announced on Gov.je.

Financial support is available to the industry through the Coronavirus Payroll Co-Funding Scheme, Phase 2.

If you are uncertain about whether this affects you, email [email protected].

Non-essential construction activities which only involve one or two people, and which have safe operating procedures, can operate without requiring Government permission, provided that social distancing instructions are adhered to at all times.

The conditions for being able to work are:

  • the guidelines on social distancing and good hand hygiene must be adhered to at all times, including travel
  • no more than two people can be undertaking the work
  • the work is not within an occupied dwelling (i.e. work in gardens and to the exterior of buildings can be done, but work which involves being inside an occupied property cannot)
  • the guidelines for safety relating to lone working (i.e. procedures for working safely alone) must be followed
  • this work is classed as non-essential work therefore no worker should carry documentation asserting that they are engaged in essential work. Police and other enforcement agents will be monitoring for abuse of essential worker status closely.

Emergency home and building repair and maintenance continues to be classified as essential work, and can be carried out inside people’s homes where it’s necessary, provided that the tradesperson is well and has no symptoms.

No work should be carried out in any household which is isolating or where an individual is being shielded, unless it is to remedy a direct risk to the safety of the household.

Non-essential Retail

Non-essential retailers must stay closed to customers but may use their premises to fulfil deliveries as long as they comply with the advice for all non-essential businesses below:

The aim of the Stay at Home instruction is to drastically reduce the spread of Coronavirus across Jersey, even at the expense of normal working life.

The Government’s presumption for all sectors not providing essential goods or services is that all staff will stay at home and, if they can continue to work from their home, will do so. If staff cannot do their job from their home, Government’s presumption is that they will stop working for the whole of the Stay at Home period, and will seek support and advice to minimise the impact of this on their households, themselves, and their organisations.

Some non-essential businesses may feel that they can continue to operate without spreading Coronavirus. If your business is non-essential, and you feel that you could continue safely, you must:

  • have a maximum of two people together on a business premises or in a team working outside
  • ensure that every member of staff will maintain a distance of two metres from each other and every other person, both while travelling to and from the place of work, and at all times during the course of the work
  • ensure that no member of staff will increase the risk of spreading coronavirus to their household as a result of their work.
  • ensure easy access to hand washing facilities and ensure staff are aware of its importance alongside respiratory hygiene.
  • use of cloth face masks is strongly encouraged

If you continue to operate, you can expect to be asked to provide evidence that you are following these rules.

Hotels and other accommodation guidance for those looking after those self-isolating due to COVID-19

The Governments has issued Public Health Policy advice for hotels and other accommodation facilities looking after those self-isolating due to COVID-19 infection, and healthcare workers who are required to self-isolate before returning to work.

Guidance for hotels and accommodations caring for those in self-isolation due to COVID-19

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

Contact

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