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Welcome to our May Newsletter from West Craven Insurance. This month we provide some helpful advice on how to navigate through these difficult times. 

First up we share the latest government advice on how to return to work safely, and insights from cyber experts on the current pandemic. Next we look to see if we can learn anything from countries abroad as their lockdown restrictions are lifted. To end to we share the further updates from the government on the furlough scheme that has been recently extended.


Cyber experts' opinions on the current pandemic

 
The coronavirus pandemic has affected us all in one way or another, and with those who are able to work from home, teleworking has become the new “normal”. At a recent webinar, two experts in the online security field divulged their opinions on the crisis and how it may affect us all.

Director of incident response at AreteIR, Mark Bleicher assessed the situation as follows;

“A lot of the recent [cyber] activity in the last week has been around taking advantage and preying on the social engineering, or the human aspect of our workers. There’s been such an increase with malicious email attachments during COVID-19.”

“One of the biggest challenges that I think we all need to really take a look at over the coming months is how we stay aware and protect ourselves,” he said, “and how organisations are going to protect us as workers.”

“The amount of malicious activity is increasing and it’s not going to go away… Right now, there’s a crisis that’s happening and adversaries are taking advantage of it,” he said. “One of the other things to consider too is when all this is over – what are we bringing back into the office and reconnecting? What are we introducing back into the environment?”

If you have concerns about your employees’ wherewithal in terms of their online presence, then providing training is the only way to address those concerns. Fortinet, an online cybersecurity training specialist, has made all of its courses free for the remainder of 2020 in order to help keep businesses safe through coronavirus and beyond. As well as basic awareness courses, there are also more in-depth and advanced security courses available, in addition to a specific teleworkers’ course. You can see all of the available free courses here.



Returning to work safely in line with government guidance


The latest updates from the government include a return to work strategy with steps for how to do this safely. Understandably, many people have concerns about returning to work including travelling to and from work places. Each business is different and will require different adaptations to their operating procedures to facilitate a safe environment but the same guiding principles will apply. That is to safeguard the health and wellbeing of staff members and customers. Eight separate guides have been published by the government to support different types of businesses - these guides can be found here. We have summarised the 5 key points applicable to businesses returning to work below*:

1. Work from home if you can
The message continues to be to work from home where at all possible. However, it is acknowledged that not all businesses are able to operate from home. Businesses that have not been told to close by government are now able to go back to work. Employers should discuss operating procedures with their staff.

People should try to avoid public transport in their work commute. However, where this is not possible, the people are asked to wear face masks where possible.

2. Covid-19 risk assessment
All employers need to carry out a Covid-19 risk assessment. This is in line with current health and safety employment and equalities legislation. The risk assessments should be undertaken in consultation with their workers or trade unions, to establish what guidelines to put in place. If possible, employers should publish the results of their risk assessments (all businesses with over 50 employees are expected to do so).

3. Maintain social distancing
Work spaces should be redesigned to respect the 2-meter social distancing guidelines. This can be achieved with staggered start times, one-way walking systems, and changing seating layouts. Designating specific entrances and exits can also minimise close contact.

4. Risk management where social distancing is not possible
It is acknowledged that not all workplaces will find it easy to manage social distancing at 2 meters apart. In this instance, employers should look into putting barriers in shared spaces, creating workplace shift patterns or fixed teams minimising the number of people in contact with one another, or ensuring colleagues are facing away from each other.

5. Reinforcing cleaning processes
Work spaces should be cleaned more often with extra attention to objects with high contact, such as door handles, and office equipment. Hand washing facilities and sanitising stations should be provided at entrances and exits.
 
For further information please head to the following website: https://www.gov.uk/guidance/working-safely-during-coronavirus-covid-19

*These key points have been taken from gov.uk guidance published on 11 May 2020



Furlough scheme is extended by 4 months

The UK scheme to pay wages of workers on leave because of coronavirus will be extended to October, Chancellor Rishi Sunak has said. Mr Sunak confirmed that employees will continue to receive 80% of their monthly wages up to £2,500.


Click here to read Furlough scheme is extended by 4 months.



Restrictions abroad are being lifted; what can we learn?

As some of our closest neighbours across the pond in Europe begin to lift their most severe lockdown restrictions, there are now questions concerning our own lockdown and when it will end. As well as the question of when is the question of how. The prime Minister has already released the strategy for how we will slowly ease restrictions, which can be viewed here, but we look at other European countries to see what we can glean from them, as well as the sentiment of the British public.

Denmark, Germany, Switzerland and Austria are among the leading European countries who are taking steps to end their own lockdowns, with schooling at the top of each of their lists. As lockdowns begin to ease, it seems that reopening schools, albeit daycare and primary schools only in most cases, are amongst the first to return to normality. When our own restrictions are eased, the government has suggested early-years childcare to be amongst the first to return to normality.

As well as schooling, smaller retail units are also being reopened fairly promptly, with countries producing lists of “approved businesses” – including hairdressers, DIY shops and flower shops. Germany has opened retail units based on their size, with any business that has a floorspace less than 800 square metres allowed to trade as usual, as long as social distancing measures are still adhered to. Austria has taken a more stringent view on opening “non-essential” shops, allowing shops to open with a floorspace of less than 400 square metres, half of that of the German restriction.
 
In terms of our own restrictions, we may see a clear-cut policy of the Government allowing shops with a specific floorspace to reopen, as in Germany and Austria, or we could go down the route of specific retail units being allowed to open due to their economic significance.

Whilst these lockdowns abroad are slowly lifted, it is important to note that there are still strict measures in place. Lockdowns across Europe are not being simply lifted, instead there is a slow and steady opening of schooling facilities, shops by necessity or size and social distancing measures are still strictly enforced.

The wearing of face masks is also becoming a familiar sight across the continent as people return to their daily lives; in some countries such as Austria the wearing of masks is obligatory in order to quell a second peak of infections. There is some scientific consternation around the efficacy of wearing face masks, and the British Government has indicated concerns that making the wearing of face masks obligatory could have detrimental effects on the supply of PPE to the NHS, therefore they have issued guidance on how to make your own face mask at home, which can be viewed here.

Whilst the past month or so has seen life in the United Kingdom, and indeed across the world, change enormously due to the coronavirus there are encouraging signs from our European comrades that life will start to return to normal in the fairly near future. Expect a measured and hesitant approach to relaxing lockdown regulations as the Government shares an exit strategy that allows for the economy and health services to recover, whilst simultaneously avoiding another surge in cases – therefore early years schooling, potentially followed by secondary schools and specific retail outlets will most likely be the first to reopen. Interestingly, it seems that as a country we are amongst the most concerned with regards to the threat of coronavirus, with a March poll published in the Journal of Risk Research finding that the UK had the highest level of perceived risk out of all the countries surveyed – this could indicate that we would be amongst the most receptive to a slower and more measured easement of lockdown restrictions than our closest counterparts.




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