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Stay Up to Date on the Most Current COVID-19 Information with the following helpful links and articles:


Frequently Asked Questions Regarding Governor Kelly's Plan for Reopening Kansas Phase 1

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How KRHA and the National Restaurant Association are working together to help our Industry!

Share how your business is responding to COVID-19.  How are you helping your employees and/or community during this time of crisis. 
Shared Stories


May 15, 2020

PPP Loan Forgiveness Application 

The form and instructions inform borrowers how to apply for forgiveness of their PPP loans, consistent with the Coronavirus Aid, Relief, and Economic Security Act (CARES Act).  SBA will also soon issue regulations and guidance to further assist borrowers as they complete their applications, and to provide lenders with guidance on their responsibilities.

The PPP was created by the CARES Act to provide forgivable loans to eligible small businesses to keep American workers on the payroll during the COVID-19 pandemic.  The documents released today will help small businesses seek forgiveness at the conclusion of the eight-week covered period, which begins with the disbursement of their loans.

May 11, 2020

Kansas Economic Snapshot

May 6, 2020

PPP Forgiveness Letter Final

Letter to DOL reg. Federal WARN Actletter sent to DOL on the WARN Act that put the DOL on notice that we are also seeking a legislative solution on the Hill as a part of COVID-4 legislation. 

WARN Act Legislative Text for Statutory Amendments

May 5, 2020

National Restaurant Association Extends FREE Training Until May 31, 2020
Free COVID-19 Training Videos, ServSafe Food Handler, ServSuccess and AHLEI Career Workforce Development Training, and introducing ServSafe/MFHA Cultural Intelligence for Restaurant Managers During COVID-19

May 4, 2020


April 30, 2020

Executive Order No. 20-29implementing phase one of Ad Astra Plan

Ad Astra Plan to Reopen Kansas
different phases and timeline to reopen Kansas

April 22, 2020

Executive Order No. 20-27temporarily suspending certain rules relating to sale alcoholic beverages

April 9, 2020

Nat'l Restrnt Assoc Letter to House-Senate Leaders re CARES 3.5

April 5, 2020

COVID-19 Letter to Governors

April 1, 2020 Kansas Executive Order No. 20 key topics needing to be addressed-17

Executive Order NO. 20-17, temporary relief from certain unemployment insurance requirements.

U.S. Dept. of Labor Announces - New Paid Sick Leave and Expanded Family and Medical Leave Implementation

March 31, 2020

Joint Trades COVID-19 Business and Employees Fund Letter - Addressed to Trump and Administration

Hospitality Travel Industry Letter Leases - Coalition letter National Restaurant Association sent to Governors and Mayors regarding emergency forbearance and rent abatement. A restaurant specific letter with additional asks will be coming soon.

FAQ on Phase Three CARES Act 

National Restaurant Association Letter to Treasury and SBA

March 28, 2020 Kansas Executive Order No. 20-16

Kansas Essential Function Framework (KEFF)

March 25, 2020 - 
Kansas Executive Order No. 20-16


Phase Three CARES Act Summary

State of Kansas

March 23, 2020 - Governor Kelly finished a press conference and a new definition of mass gatherings will be issued tomorrow and change the number to 10 from 50.  Additionally she addressed the move toward stay at home orders and will have a statewide framework tomorrow, 3/24/2020. Sedgwick County leaders are expected to decide on whether to goforward with a stay-at-home order

Information on COVID-19 and Food Safety
COVID-19 and Food Safety FAQ

March 22, 2020 

SBA Disaster Loan Assistance


Food Safety Information   
Guidance for Sale and Donation
of Excess Food
 Cooking Temperature
Reference Guide

Safe Minimum Cooking 

Food Safety Delivery
 Cleaning vs Sanitizing 
Coronavirus Tips for 
Handwashing 101 Raw Food Sales and Donation
COVID-19 and Food
Safety FAQ

No Bare-Hand Contact 4 steps to Food Safety
ServSafe Coronavirus
Resource Flyer

FREE to the Industry:  Food Safety
and COVID-19
 thru 5/31/2020

Single Use Disposable Gloves


Helpful Tools    Other Partner
Communication  Resources 

PPP Forgiveness Letter Final


SBA PPP Interim Final Rule

 KDA Guidance for Reopening 
KS Re-Opening Guide Phase One

PPP CARES Flow Chart


PPP Borrower Application Form


SBA - Business Loan Program; Paycheck
Protection Program Interim Final Rule

 United Healthcare 

Furlough Matter or Layoff Does It Matter

Hinkle Law Firm - CARES Act
Part 1 Webinar & CARES Act Part
2 Webinar: Section 1 and Section 2


SBA Small Business Loan Guide

  Food Beverage Issue Alliance 

Paycheck Protection Program Alert, from
Hinkle Law Firm

  Midwest Single Source offers 20% off 

Find Eligible Lenders: Tools to find nearby lender
to issue a loan under PPP

 NCRI Facilities Services 

COVID-19 Guidance for Stores with Self Service

Ouray Sportswear Masks

CC Authorization Form


COVID-2 DOL Regs - guidance document from
National Public Affairs


COVID-19 Curbside & Carryout signs 


Employeee Safety During Viral Outbreak

DIY Cloth Face Coverings per CDC

Proper Usage of Face Masks


Protocols For Positive COVID-19 Test



Media Releases and Public Statements

Blueprint for Recovery


Infographic -Impact Survey


KRHA Letter to Governor Kelly, April - 3 key topics that need addressed


KDA Releases Guidance on COVID-19 and Takeout and Delivery Food Safety, March 27, 2020


Statement from Adam Mills on COVID-19 for the public, March 13, 2020 


Helpful Links    

Get signed up and let your customers know you are open and to what capacity.  
RERFNational Restaurant Association Educational Foundation Launches Restaurant Employee Relief Fund  


   Wichita Relief Fund for Restaurant and Bar Employees  


The Paycheck Protection Program prioritizes millions of Americans employed by small businesses by authorizing up to $349 billion toward job retention and certain other expenses.

Small businesses and eligible nonprofit organizations, Veterans organizations, and Tribal businesses described in the Small Business Act, as well as individuals who are self-employed or are independent contractors, are eligible if they also meet program size standards.

For a top-line overview of the program CLICK HERE

If you’re a lender, more information can be found HERE

If you’re a borrower, more information can be found HERE

The application for borrowers can be found HERE

March 20, 2020 - 12:00 PM
KRHA Hire Fund Press Release
Hospitality Industry Relief Emergency Fund Application

March 20, 2020 - 10:00 AM

Hospitality Industry Relief Emergency Fund
KRHA member, Chuck Magerl, Free State Brewing Company in Lawrence addressed the public while KRHA Board member Kevin Timmons, Nick and Jake's, and KRHA Board Chair Timirie Shibley, Doo-Dah Diner were present as Governor Laura Kelly read the Hospitality Industry Relief Emergency Fund to assist hospitality businesses seeking 0% interest emergency loans in response to the economic impact of COVID-19.
Relief emergency fund application
COVID 19 SBA Disaster Loan Information

March 19, 2020 - 10:30AM  
The State of KS has a no gathering in public places in groups of more than 50 in a single room while being able to maintain Social distancing of 6 ft between tables including restaurants and bars. Four counties have gone further than that with no dining rooms open, only carryout drive thru and delivery available (Shawnee County (Topeka KS), Douglas County (Lawrence KS), and in the KC Metro Wyandotte and Johnson counties.

March 19 - 9:00 AM

As a program policy on license renewals during this COVID-19 situation, the Food Safety and Lodging Program at the Kansas Department of Agriculture are putting the following changes into place:

  • The late fee of $25.00 that would normally be assessed to Food Safety and Lodging Establishments starting April 1, 2020 will now be waived.
  • The week of April 20th, 2020 we will re-assess the situation and determine if extending the renewal timeframe would be necessary
  • KDHE - Kansas Department of Health & Environment - COVID 19 Resource Center
  • Click here for Gov. Laura Kelly and Dr Lee Norman, the secretary of the Kansas Department of Health and Environment announcement, Monday, March 16, 2020 
  • KRHA Governor Communications 3.16.2020 Update
  • KDOL - In the event that a restaurant were to temporarily close and layoff employees, this page has information regarding how to set those employees up on unemployment


Frequently Asked Questions:

  1. What do you do if you have an employee who tests positive for Covid 19?  Does it trigger a forced closure? The answer is, you need to report that to the KS Department of Agriculture and the Kansas Department of Health & Environment.  Due to the 14 day incubation period where people may carry the virus but not show symptoms.  They would most likely quarantine and test anyone who came in contact with the employee.  In light of the fact that if you have someone test positive for this virus you are most likely going to need to quarantine every employee who comes in contact with that employee you should consider separating your workforce into teams with a manager over each team.  Then make sure you are cleaning and sanitizing between shifts.  This will allow you to narrow the list of employees any other employee comes in contact with so that you don’t end up with zero staff available if required to quarantine.  It’s fairly self-explanatory but let me know if you would like more information and I’ll see what I can do for you.  While you aren’t “guaranteed” this will keep you out of trouble, it certainly a smart business practice if you can execute it. 
  2. What are best practices for my establishment and my employees: We recommend following the CDC and KDHE guidance to routinely clean frequently touched surfaces according to the product’s use directions. Some examples of surfaces that should be cleaned frequently are:
  • Doorknobs/door handles
  • Tables, desks, and seats
  • Handrails
  • Touch surfaces of kiosks or ordering screens

     3. What can I do to protect my employees? We recommend following the CDC and KDHE guidance to:

  • Maintain social distancing of six (6) feet
  • Wash hands often with soap and warm water for at least 20 seconds, especially after going to the bathroom; before eating; and after blowing your nose, coughing or sneezing.
  • Make sure employees stay home if they are feeling sick (fever, coughing/shortness of breath) or they have a sick family member in their home.
  • Use an alcohol-based hand sanitizer with at least 60% alcohol if soap and water are not readily available.
  • Avoid touching your eyes, nose and mouth.
  • Clean and disinfect frequently touched surfaces.

     4. Are single use disposable gloves required for cash register operation?


Insurance Information and FAQs:

Q. I have an employee on modified restriction and modified hours. They are currently receiving indemnity payments from our carrier. What happens if they are laid off?

A. If an employee is receiving partial indemnity because of work restrictions they should be encouraged to file for unemployment just as their co-workers. Employees cannot receive both unemployment and indemnity payments concurrently and when approved your workers’ compensation carrier would cease paying benefits. If they do not receive unemployment then their payments would revert back to total indemnity at two thirds of the average weekly wage.

National Association of Insurance Commissioners Statement on Business Interruption Coverage


Workers’ compensation insurance covers work-related injury or illness-either sustained on business premises or due to business operations. Typically, workers’ compensation covers the employee’s medical expenses, rehabilitation costs, and at least some portion of their lost wages. Workers’ compensation policies typically cover only occupational diseases, which are diseases that are unique or peculiar to one’s job. Ordinary diseases of life are not covered. COVID-19 may be covered in certain limited circumstances depending on how the individual contracted it, their occupation, and the specific policy.

Insurance Premium Suspension-  EMC, our newest insurer with our agency Hospitality Insurance Services Inc., has announced that they are going to comply with our request to suspend cancellations. We are hopeful our other carriers will comply with our request and take similar measures to provide aide to their policy holders.

Here is the EMC communication from today, 3/20/2020:  

We realize the COVID-19 outbreak will have a significant financial impact on many of our policyholders, and in response, EMC is taking the following actions:

30-Day Hold on Cancellations: EMC

  • i.EMC Insurance Companies is placing a 30-day hold on cancellations for non-payment of premium for those policyholders experiencing hardships during this time. Late payment notices or late fees will not be issued from March 19, 2020, through April 17, 2020. This is an extension of the grace period for our customers directly impacted by the COVID-19 situation; however, this is not a waiver for those payments due during this time.
  • you become of aware of situations with our mutual clients having difficulties with payments due to COVID-19, please contact your EMC underwriter to discuss.

    Delivery Exposures

  • iii.We understand that policyholders are considering various measures to generate revenue during this time, and hired/non-auto coverage is being requested to allow for more delivery of their products. EMC underwriters are positioned to discuss changes in hired/non-owned auto exposures, especially for hospitality-related accounts. The requests will be reviewed with you and underwritten for acceptability.

    Mid-term Exposure Adjustments

  • iv. As things change for our mutual clients due to the evolving COVID-19 situation, please reach out to your underwriter to review and discuss possible mid-term exposure adjustments to sales and payroll estimates.   

Count on EMC®

  • v. EMC is dedicated to supporting you, our policyholders, our employees and our communities during this time, and we hope these measures help. Please contact us with any concerns. Our branch office staff is available and ready to support you. Thank you for your continued partnership. 

30-Day Hold on Cancellations: Columbia

We understand the significant impact the COVID-19 pandemic and the governmental responses associated with the outbreak has had on you, your clients, and communities. To assist your clients with some of the financial hardship created by these uncertain times, we have outlined steps we are taking to ease the burden.

60-Day Hold on Cancellations

We will suspend the mailing of all cancellation notices for non-payment of premium issued to commercial policyholders, lienholders, or additional interests for 60 days beginning March 23, 2020, and ending May 22, 2020. We will reevaluate this grace period as the expiration date approaches to determine if a further extension is appropriate. Cancellation notices that would have generated during this window of time will be sent the day after the grace period expires. This grace period is not a waiver for those past due payments.

We will continue to send invoices reflecting the balance due during the grace period. Any policy or account in cancellation pending status prior to March 23, 2020 will not be impacted by this grace period and must be dealt with on an individual basis.

• Midterm Payroll and Sales Adjustments

We understand that many of your hospitality and small business clients may be experiencing a shift in both sales and staffing that could significantly impact their projected annual revenues or payroll expenditures. Please reach out to your underwriter to review their current exposures and discuss any changes that may be appropriate. Please communicate to your clients that “work from home” does not affect how their payroll expenditures are calculated and may, in fact, actually increase their exposure given new risks presented by alternative work environments. Policies changed midterm will be subject to a mandatory audit to calculate the final premium amount.

• Delivery Exposures

In light of the unique burdens placed on your restaurant clients, we encourage the use of third-party delivery services like Doordash,, GrubHub and Uber Eats to handle their delivery exposure.

Should that not be a viable solution, ask your underwriter to attach our Food Delivery Limited Exclusion, BP391 (10-15) for our BOP and Safeguard policyholders. We will broaden the definition of catering to include deliveries made in lieu of dine-in customers due to restrictions placed by governmental authorities as a result of the COVID-19 virus outbreak. This broader definition will apply for a minimum of 60 days from the effective date of the endorsement. We will reevaluate events prior to the expiration of the 60 days to determine if the broader definition should be extended further. This coverage will not be extended to any umbrella policy associated with a policy or account, and the current auto exclusions on the umbrella policy will remain inforce. We will not write this coverage if there is a commercial auto policy associated with the insured through another carrier. If we write a restaurant on a package policy (CMP) or general liability policy (GL), or if we have the commercial auto policy for the account, your underwriter can work with you upon request.

In response to a number of questions we have received regarding Business Income in light of the impact of the COVID-19 outbreak, our Claims team has summarized some of our initial thoughts on these issues.

• General Information Regarding Business Income Coverage in light of COVID-19

We review every claim on its own merits, giving consideration to the applicable law in each jurisdiction. With that in mind, we thought it would be beneficial to share some general guidance with you regarding our primary business products given you have likely received a number of questions from your policyholders.

Below you will find an overview of the coverage afforded under our business polices based upon the information available at this time. This information is not an official coverage determination either in favor of or against coverage, but meant to provide general guidance for you and your customers. If you have specific coverage questions you may contact your local Claim Manager for additional information.

          First Party Property Coverages and COVID-19

                • BOP, Safeguard and CMP Policies: Loss of business from COVID-19 is not covered for either       

                  business income or extra expense. Damage to the covered insured premises or property from a

                  covered cause of loss must occur for these coverages to apply. Further, both policies contain

                  exclusions for viruses that apply to all first party coverages.

                               o ISO form CP 01 40 07 06 is titled “Exclusion for Loss Due To Virus Or Bacteria” and   

                                  contains the following language:

                                              B. We will not pay for loss or damage caused by or resulting from any virus,

                                                   bacterium or other microorganism that induces or is capable of inducing physical

                                                   distress, illness or disease.

                               o BOP and Safeguard policies contain the following language:

                                              B. Exclusions

                                              1. We will not pay for loss or damage caused directly or indirectly by any of the

                                                  following. Such loss or damage is excluded regardless of any other cause or

                                                  event that contributes concurrently or in any sequence to the loss. These

                                                  exclusions apply whether or not the loss event results in widespread damage or

                                                  affects a substantial area.

                                              Virus Or Bacteria

                                              (1) Any virus, bacterium or other microorganism that induces or is capable of

                                                    inducing physical distress, illness or disease.

                • Civil Authority Coverages: For coverage to apply, damage from a covered loss must occur to another

                  property and such damage needs to be the reason for the civil authority to restrict access to the

                  insured property. Virus exclusions also apply to this coverage.


Kansas Insurance Department Regarding Business Interruption Coverage.

Businesses; I have a business interruption insurance policy for my business. Does it cover pandemic related losses?

Business owners are encouraged to read their policies closely. However, it is the Department’s understanding that it is unlikely that a business policy would cover losses related to COVID-19, as most business policies have communicable disease exclusions. Businesses should read their policies closely for all exclusions. Communications from the Kansas Insurance Department that provide general information should not dissuade a business from filling a claim if there is a possibility of coverage. If there is a question of coverage, business owners are encouraged to Page 2 reach out to their company and/or agent, and if needed should reach out to our Consumer Assistance Division at 1-800-432-2484. Complaints can also be emailed to

National Association of Insurance Commissioners Statement on Business Interruption Coverage


Business interruption insurance coverage protects against losses sustained due to periods of suspended operations; it pays loss of revenue that would have been earned if there was no business interruption. It typically covers physical loss to property and may have specific exclusions for viral infections such as COVID-19. Contingent business interruption insurance policies protect against losses from supply chain disruptions, but may require the occurrence of property damage to trigger coverage. Cancellation insurance provides coverage for expenses arising from delays, rescheduling, or cancellations due to unforeseen covered events. Typically, policies exclude coverage for communicable diseases, such as COVID-19.