#Tomighty malware free#

They have more control than you may think! In the worst case, ask if they will honor payroll checks in an instance of overdraft and payment plan. Ask if they are waiving overdraft fees, ask if they are halting loan payments or interest. CONTACT YOUR BANKĪsk what your bank is/can do to help you, a long-standing customer. Consider asking your landlord if they can file a claim for loss of rent. Banks will *hopefully* be lenient with temporary rent abatements (so ask for them!). They often make decisions based on their proforma and how much debt they carry and what their banks look for. Your landlord should know and you should ask them what they can help you with – give them assurances that these outcomes are temporary and you need help. Recognize that your customers are receiving a LOT of notices right now, so mix up the subject line, and consider offering an incentive to read about what you’re doing “buy a $100 gift card and get 10% off now!” CONTACT YOUR LANDLORD Now is not the time to feel awkward asking for help! Draft an email to your customer base (if you aren’t keeping a list of customer emails, now is a great time to start with services like Mailchimp!) We use Square POS and they have a built in marketing tool that can send a message to all customers. If you need to, file a business income claim. This is no guarantee but is a better defense to damages.

state declaration of emergency, National Emergency, WHO pandemic declaration). a worker or manager got sick), but due to CIVIL AUTHORITY (e.g. All Business Owner policies (BOP) are different but most have exclusions for “virus” – make it clear that your damage doesn’t relate to the virus (e.g. Tell them your situation and ask them to advocate for the best solution given your policy. YOU *MAY* HAVE AN INSURANCE CLAIMĬall your insurance agent/broker (not carrier – their interest is to avoid giving you your most favorable reading of your contract!). Businesses may not be able to continue to operate if the losses have begun and should not be penalized for making those decisions in advance. The statehouse may not decide on Governor’s recommendations until Tuesday or Wednesday. I made a request to my NH Bureau of Economic Affairs rep to lobby for retroactive support. You should be prepared to encourage your team to apply for unemployment. If someone works in NH, they qualify (yes, even if they live in Maine/Mass, yes even if they are a service worker/part-time). NH is currently assessing changes to unemployment coverage.

#Tomighty malware free#

Many sites make this easy and free (I use WordPress/ Woocommerce). Now is the time to share the tribulations of your business.įurthermore, consider an online portion of your business – offer eGift Cards and put it at the front of your business. In the food service biz we always keep challenges close to our chest for fear of spreading concern. The front page of your website needs to say something.

This takes 5 minutes and is used to support a public declaration for economic injury and disaster relief. Call the Joint Information Center for NH’s division Department of Homeland Security: 6 In particular, your claim of economic injury supports state wide declarations that can *potentially* free up funding. Government services use real data to back up decision making process. Whether small business loans or insurance claims, having documentation will be helpful. Those of us that came to this profession from the kitchen may not be the most organized, I get it – it’s time to go slow and start a document or spreadsheet of every expense, every phone call, every canceled order. If you are a small business or work for one, here are some lessons learned and actions I’d recommend in the near term: DOCUMENT EVERYTHING: From the sounds of it, many other businesses are in the dark as to what they should do and what support they will have if they have suspended or choose to suspend operations. I’ve spent the last 48 hours on the phone with our insurance company, our bank, SBA, NH Bureau of Economic Affairs and NH Works, Chamber of Commerce, Governor’s office, and elected representatives from local to federal level. While we have not cancelled any programming or operations, I’m preparing for potential changes. We have seen an immediate loss of business and cancellation of future private bookings (April is our busiest month!). We are a low-risk space in a community with no nearby outbreaks. I run a small restaurant – we have strict health policies and recently set up a paid sick leave fund. THIS GUIDE HAS BEEN MOVED TO MIGHTY SMALL – FIND LATEST BUSINESS STRATEGIES AND UPDATES THERE