> Covid-19 Update: Your Questions Answered

Covid-19 Update: Your Questions Answered

Chamber Providing Remote Notary Services: The Governor has authorized Notaries Public to notarize documents via video conference, so long as the video is recorded and retained, and other requirements are met. The Chamber is able to meet these requirements. If you need any notary services, the Chamber can provide them free to members. Call or email to set up an appointment.

More Details Released on Paycheck Protection Program: Many questions have come in this week about the Paycheck Protection Program, a federal stimulus program that provides loans which convert to grants if payroll is maintained. The government has gradually released answers to these questions this week.
  • How much money can I apply for? Two and a half times your average monthly payroll, excluding costs over $100,000 on an annualized basis for each employee.
  • How do I make sure the loan is forgiven? SBA will forgive loans if all employees are kept on the payroll for eight weeks and the money is used for payroll, rent, mortgage interest, or utilities. At least 75% of the forgiven amount must have been used for payroll. Your loan forgiveness will be reduced if you decrease your full-time employee headcount, or if you decrease salaries and wages by more than 25% for any employee that made less than $100,000 annualized in 2019.
  • What if I've already laid off, furloughed, or reduced employee hours? You have until June 30, 2020 to restore your full-time employment and salary levels for any changes made between February 15, 2020 and April 26, 2020.
  • How do I apply? Through your bank. Any existing SBA lender, federally insured depository institution, federally insured credit union, or participating Farm Credit System institution will take applications. Although you will apply for this program through your bank, click here to see a sample application form so you can see what information will be requested.
  • When do I apply? Small businesses and sole proprietorships can apply beginning April 3, 2020. Independent contractors and self-employed individuals can apply beginning April 10, 2020. We encourage you to apply as quickly as you can because there is a funding cap and lenders need time to process your loan.

Get Your Questions Answered At Monday's Virtual Roundtable: Our third Virtual Roundtable will be held this Monday, April 6, at from 12-1 p.m. This is an opportunity to share how you're grappling with the Covid-19 crisis, get ideas from your peers, and support each other. Executive Director Adam Gutcheon and Jim Burke from the Town of Windsor will review the current state of the crisis, state and federal business relief measures, and what the Town and Chamber are doing in response. The Hartford Courant wrote up our first Virtual Roundtable; click here to read the article. We will follow up on several items raised at last Monday's session. Click here for more information, including how to join.

Sales Tax Payments Are Deferred for Small Business: Taxpayers that have $150,000 or less in annual sales tax liability qualify for an automatic extension of time to file and pay. Similarly, those that have $150,000 or less in annual room occupancy tax also qualify for this relief. For monthly sales tax and room occupancy tax filers: Returns and payments due March 31, 2020, and April 30, 2020, are extended to May 31, 2020. For quarterly sales tax and room occupancy tax filers: Returns and payments due April 30, 2020, are extended to May, 31, 2020.

Insurance and Mortgage Payment Flexibility: Beginning on April 1, 2020 for a period of 60 days, no insurer in Connecticut – including life, health, auto property, casualty, and other types – may lapse or terminate a covered insurance policy because a policyholder does not pay a premium or interest during this time. This grace period is not automatic. To be eligible, affected policyholders must provide additional information acceptable to their insurance carriers. Contact your insurance agent for more information.

The Governor has reached an agreement with over 50 credit unions and banks in Connecticut to offer mortgage relief to the state’s residents and businesses who continue to face hardship caused by the global COVID-19 pandemic. Under the agreement, the following relief policies are being offered by participating financial institutions:
  • 90-day grace period for all mortgage payments: Participating financial institutions are now offering mortgage-payment forbearances of up to 90 days, which will allow businesses unable to pay to reduce or delay monthly mortgage payments. In addition, the institutions will provide a streamlined process for requesting forbearance for COVID-19-related reasons, supported with available documentation; confirm approval and terms of forbearance program; and provide the opportunity to extend forbearance agreements if faced with continued hardship resulting from COVID-19.
  • Relief from fees and charges for 90 days: For at least 90 days, participating financial institutions will waive or refund mortgage-related late fees and other fees including early CD withdrawals.
  • No new foreclosures for 60 days: Financial institutions will not start any foreclosure sales or evictions.
  • No credit score changes for accessing relief: For those taking advantage of this COVID-19-related relief, late or missed payments will not be shared with credit reporting agencies.
If you are having trouble paying your mortgage, or even think you might, please contact your bank immediately. Click here for more details and to see a list of participating financial institutions.

More Rules For Retail: By order of the Governor, every retail establishment in the state will be required to take additional protective measures to reduce the risk of transmission of COVID-19 between and among customers, employees, and other persons such as delivery drivers and maintenance people, effective tomorrow, April 3.
  • Occupancy capped at 50% of store capacity.At entrance, staff will maintain a count of the number of customers entering and exiting stores.
  • Clearly mark 6' spacing in lines on floor at checkout lines and other high-traffic areas and, as much as practicable, provide ways to encourage 6' spacing in lines outside the store.
  • Post conspicuous signage and floor markings to direct customers and limit bottlenecks and/or encourage spacing and flow in high-density areas.
  • Have aisles be one-way in stores where practicable to maximize spacing between customers. Identify the one-way aisles with conspicuous signage and/or floor markings.
  • Maximize space between customers and employees at checkout lines, including, but not limited to, only using every other checkout line, where and when possible.
  • Install Plexiglas shields to separate employees from customers at checkout lines and other areas in the store where practicable.
  • Communicate with customers through in store signage, and public service announcements and advertisements, there should only be one person per household during shopping trips, whenever possible.
  • Discontinue all self-serve foods (e.g., salad bar, olive bar) and product sampling.
  • Allow touchless credit card transactions. If not possible, sanitize credit card machines (including pen) regularly and consistently.
  • Cart and basket handles sanitized between uses (by staff).
  • Wherever possible, employees will wear gloves and face masks at all times that they are interacting with customers and/or handling products.

Chamber Auction Begins Tomorrow: We're a little over 24 hours from the start of Chamber Cares 2020, Windsor's first-ever online community benefit auction! The auction is the Chamber's biggest fundraiser of the year, and it also benefits the Windsor Education Foundation, Music School at Sound Crossing. In addition, the auction will benefit local charities providing relief to households experiencing loss of income due to the Covid-19 crisis: the Windsor Food & Fuel Bank and the Neighbors in Need Fund of the United Way of Central and Northeastern Connecticut. If you've found our updates and virtual roundtables helpful, please support us by spreading the word, bidding on items, or making a donation. Register to participate now at windsor2020.givesmart.com. We need your help to succeed! If you'd like to donate an item or gift certificate, please reply to this email.

The Windsor Food & Fuel Bank works to ensure that no Windsor resident goes hungry, is cold, or is without basic necessities. The Neighbors in Need Fund assists individuals and families in central and northeastern Connecticut in economic distress due to the Covid-19 crisis with food, emergency assistance, and childcare.


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Events

Mini Art Show
Ends Oct. 29 at Windsor Art Center, 40 Mechanic St, Windsor, Ct.
Cooking with Viji
Oct 22 at Virtual/Online
Granby Artists: Season of Change
Oct 22 at Windsor Art Center
Fidelco Guide Dog Fundraiser
Oct 23 at The Bean@226
Flashlight Maze @ Brown's Harvest
Weekends thru 10/30 at Brown's Harvest 1911 Poquonock Ave
Annie’s World
Oct 24 at Windsor Historical Society
Artist Pop-Up at Bart's!
Oct 24 at Bart’s Drive-In parking lot
Fall Family Fun at Brown's Harvest
Oct 24 at Brown's Harvest 1911 Poquonock Ave
Flashlight Maze @ Brown's Harvest
Weekends thru 10/30 at Brown's Harvest 1911 Poquonock Ave
Granby Artists: Season of Change
Oct 24 at Windsor Art Center
Fall Family Fun at Brown's Harvest
Oct 25 at Brown's Harvest 1911 Poquonock Ave
Granby Artists: Season of Change
Oct 25 at Windsor Art Center
Virtual Business Roundtable
Every Other Monday at online
Financial Health Literacy
Oct 27 at Virtual/Online
Voice-Overs
Oct 28 at Virtual/Online
Flashlight Maze @ Brown's Harvest
Weekends thru 10/30 at Brown's Harvest 1911 Poquonock Ave
Trunk or Treat
Oct 30 at The Preserve at Great Pond Apartments - Right off Dayhill Rd
Artist-in-Residence Exhibitions
Oct 31 - Nov 12 at Windsor Art Center
Fall Family Fun at Brown's Harvest
Oct 31 at Brown's Harvest 1911 Poquonock Ave
Music Mystery Scavenger Hunt
Oct 31 at The Music School at Sound Crossing & the First Church in Windsor cemetery
Artist-in-Residence Exhibitions
Oct 31 - Nov 12 at Windsor Art Center
Fall Family Fun at Brown's Harvest
Nov 1 at Brown's Harvest 1911 Poquonock Ave
Flower Painting 3-week Series
Nov 1 at Train Station Studio Classroom
Annual Fall Art Exhibition
Nov 2 at Windsor Town Hall
Artist-in-Residence Exhibitions
Oct 31 - Nov 12 at Windsor Art Center
Secondhand in First Town Tag Sale!
Nov 6 at Windsor Historical Society
Cooking With Sue
Nov 7 at Virtual/Online
History book Annex Sale Benefit
Nov 7 at Loomis building near Windsor Historical Society
Secondhand in First Town Tag Sale!
Nov 7 at Windsor Historical Society
Secondhand in First Town Tag Sale!
Nov 8 at Windsor Historical Society
Alzheimer's Support Group
Nov 9 at Kimberly Hall North 1 Emerson Dr. Windsor CT 06095 (via zoom)
Virtual Business Roundtable
Every Other Monday at online
Chamber 101
Nov 10 at Zoom
Board of Directors Mtg
Nov 10 at online
Cooking with Viji
Nov 10 at Virtual/Online
Transportation Comm. Mtg
Nov 10 at online
Programs Committee Mtg
Nov 16 at online
Tourism Committee Meeting
3rd Tuesdays at online
Annie’s Kitchen
Nov 21 at Windsor Historical Society
Lunch Program - 60+ Delivery/PickUp
Weekdays at The Senior Center
Virtual Business Roundtable
Every Other Monday at online
Virtual Business Roundtable
Every Other Monday at online
Chamber 101
Nov 10 at Zoom
Board of Directors Mtg
Nov 10 at online
Transportation Comm. Mtg
Nov 10 at online
Programs Committee Mtg
Nov 16 at online
Tourism Committee Meeting
3rd Tuesdays at online
Mini Art Show
Ends Oct. 29 at Windsor Art Center, 40 Mechanic St, Windsor, Ct.
Cooking with Viji
Oct 22 at Virtual/Online
Granby Artists: Season of Change
Oct 22 at Windsor Art Center
Mini Art Show
Ends Oct. 29 at Windsor Art Center, 40 Mechanic St, Windsor, Ct.
Cooking with Viji
Oct 22 at Virtual/Online
Granby Artists: Season of Change
Oct 22 at Windsor Art Center
Fidelco Guide Dog Fundraiser
Oct 23 at The Bean@226
Flashlight Maze @ Brown's Harvest
Weekends thru 10/30 at Brown's Harvest 1911 Poquonock Ave
Annie’s World
Oct 24 at Windsor Historical Society
Artist Pop-Up at Bart's!
Oct 24 at Bart’s Drive-In parking lot
Fall Family Fun at Brown's Harvest
Oct 24 at Brown's Harvest 1911 Poquonock Ave
Flashlight Maze @ Brown's Harvest
Weekends thru 10/30 at Brown's Harvest 1911 Poquonock Ave
Granby Artists: Season of Change
Oct 24 at Windsor Art Center
Fall Family Fun at Brown's Harvest
Oct 25 at Brown's Harvest 1911 Poquonock Ave
Granby Artists: Season of Change
Oct 25 at Windsor Art Center
Virtual Business Roundtable
Every Other Monday at online
Financial Health Literacy
Oct 27 at Virtual/Online
Voice-Overs
Oct 28 at Virtual/Online
Mini Art Show
Ends Oct. 29 at Windsor Art Center, 40 Mechanic St, Windsor, Ct.
Fidelco Guide Dog Fundraiser
Oct 23 at The Bean@226
Flashlight Maze @ Brown's Harvest
Weekends thru 10/30 at Brown's Harvest 1911 Poquonock Ave
Annie’s World
Oct 24 at Windsor Historical Society
Artist Pop-Up at Bart's!
Oct 24 at Bart’s Drive-In parking lot
Fall Family Fun at Brown's Harvest
Oct 24 at Brown's Harvest 1911 Poquonock Ave
Flashlight Maze @ Brown's Harvest
Weekends thru 10/30 at Brown's Harvest 1911 Poquonock Ave
Granby Artists: Season of Change
Oct 24 at Windsor Art Center
Fall Family Fun at Brown's Harvest
Oct 25 at Brown's Harvest 1911 Poquonock Ave
Granby Artists: Season of Change
Oct 25 at Windsor Art Center