Employer & employee support


Businesses have been hit hard by the impact of Coronavirus. View the third party resources below to help support employers and employees in a change in circumstances.

Business Planning

Working Remotely

Insurance

  • Hospitality Insurance Group Action (HIGA) : has launched on behalf of hospitality sector businesses against insurers who continue to refuse to pay losses flowing from the government's lockdown and Coronavirus. Hospitality sector policy holders can register their details for a free of charge review of their business interruption policies.

Pensions

The Pensions Regulator (TPR) has published the following guidance and support:

  • Trustee guidance to support trustees and employers regarding Defined Benefit (DB) schemes and trustees of Defined Contribution (DC) schemes.

  • A joint statement with the Financial Conduct Authority and Money and Pensions Service urging savers to take their time and visit the Pensions Advisory Service website for free plain English pensions guidance before making any decisions about their retirement savings. TPR has also published a blog detailing the changes they have been making in response to the current situation.

  • Guidance on the administration risks and what trustees and administrators can do to reduce these risks in schemes during the pandemic.

  • Guidance on salary sacrifice. Please note that this guidance will be more applicable to large employers and their advisers. Where this guidance applies to to smaller employers, it may be advisable for them to contact their payroll adviser or pension provider for help.

Employee wellbeing

Your emotional and mental wellbeing is important. It is normal to feel stressed or lonely when self-isolating, but there are some things you can do to feel better.

Bereavement

Policing and fraud

The College of Policing and National Police Chiefs Council briefing in relation to Coronavirus.

Computer Software Service Fraud – as more people work from home, fraudsters may capitalise on slow networks and IT problems, to commit computer software service fraud. Be wary of cold calls or unsolicited emails offering you help with your device or to fix a problem. Attached is a helpful graphic with protection advice.

Mandate Fraud – with more people working at home, it may be easier for fraudsters to impersonate senior decision makers, with seemingly valid reasons why they cannot be contacted, and request a change in a direct debit, standing order or bank transfer mandate, by purporting to be an organisation you make regular payments to. The change they ask you to make will divert funds to their own bank account.

In response to the increased threat from mandate fraud during the Coronavirus outbreak, the UK government Counter Fraud Function has issued a mandate fraud guidance document.

Bank Mandate Fraud Guidance from the Scottish Police.

Cyber security advice when working from home

Many organisations are either moving to working remotely for the first time or significantly increasing it, and this presents a number of cyber security challenges. Advice on how to respond to those challenges is set out in the NCSC’s working from home guidance.

There are a number of practical steps organisations can take to reduce the risk including:

  • Supporting people to use stronger passwords and setting up two factor authentication.

  • Ensuring staff know how to report problems, especially those related to security.

  • Creating ‘How do I’ guides for new software and tools staff may be using.

  • Using VPNs to allow users to securely access the organisation’s IT services.

  • Ensuring devices encrypt data whilst at rest.

Some organisations may be allowing staff to use their own devices to work remotely. In this case, please refer to the NCSC's Bring Your Own Device (BYOD) guidance.

In addition to following the guidance set out above, it is worth being aware of phishing emails which trick users into clicking on a bad link. Once clicked, the user is sent to a website which could download malware onto your computer, or steal passwords. We know that cyber criminals are opportunistic and will look to take advantage of people’s fears, and there is evidence that the Coronavirus outbreak is being exploited in this way.

Those who do fall victim shouldn’t feel bad – these scams can be extremely convincing – but what they should do as quickly as possible is report it to their IT department when the incident is work-related or Action Fraud when it is personal. They can also open their antivirus (AV) software if installed, and run a full scan, following any instructions given. If they’ve been tricked into providing password, they should change their passwords on all their other accounts. The NCSC’s guidance on suspicious emails provides more tips on this.

Our Cyber Griffin team have also created a series of short video guides on how to keep you and your family safe while online at home which contain practical hints and tips and cover a range of topics, including passwords, phishing, vishing and multi-factor authentication.