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COVID-19 Resources

Resources for Employers

Small Business Owner’s
Guide to the CARES Act

The Coronavirus Aid, Relief, and Economic Security (CARES) Act was just passed by Congress and is intended to assist business owners with whatever needs they have right now. When implemented, there will be many new resources available for small businesses, as well as certain non-profits and other employers. This guide provides information about the major programs and initiatives that will soon be available from the Small Business Administration (SBA) to address these needs, as well as some additional tax provisions that are outside the scope of SBA.

Struggling to get started? The following questions might help point you in the right direction. Do you need:

View the Guide to learn more.

Economic Injury Disaster Loans

Small business owners are eligible to apply for an Economic Injury Disaster Loan advance of up to $10,000. The SBA’s Economic Injury Disaster Loan program provides small businesses with working capital loans of up to $2 million that can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing.

Visit the SBA's EIDL website to learn more.

Paycheck Protection Program

The CARES Act allocated $350 billion to help small businesses keep workers employed amid the pandemic and economic downturn. Known as the Paycheck Protection Program, the initiative provides 100% federally guaranteed loans to small businesses who maintain their payroll during this emergency. Importantly, these loans may be forgiven if borrowers maintain their payrolls during the crisis or restore their payrolls afterward.

View the Guide & Checklist to learn more.

File for Unemployment Insurance

In these unprecedented times, Governor Beshear has expanded access for groups not normally eligible for Unemployment Insurance. These groups include, but are not limited to:

  • barbers
  • chefs
  • childcare workers employed by non-profits
  • contract laborers
  • freelance workers
  • hairdressers
  • hotel housekeeping staff
  • hotel workers
  • independent contractors
  • landscapers
  • massage therapists
  • nail technicians
  • restaurant workers
  • self-employed
  • small business owners
  • substitute teachers

View Kentucky's Unemployment Insurance website to learn more.

The Chamber is dedicated to helping ensure a positive business climate. As the coronavirus continues to spread and has reached the United States, it is important that we are prepared to handle the issue. Below are resources to help educate employers on the coronavirus:

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