1. Ensure physical separation of employees and customers by at least 6 ft. when possible
2. Ensure employees practice appropriate hygiene measures including regular, thorough hand washing or access to hand sanitizer
3. Regular cleaning and disinfecting of frequently touched objects and surfaces
4. Permitting employees to work from home when feasible
5. Identifying any sick employees and ask them to leave the premises
6. Post signage forbidding sick persons onto the job site (a sample may be found here)
7. Make sure you are following the following HBA Safety Guidelines:

• 14 COVID-19 Construction Site Safety Guidelines
• 14 COVID-19 Construction Site Safety Guidelines (Spanish)

1. Institute practices that screen employees for illness by taking their temperature or asking them to complete a questionnaire
2. Limit the number of people on the site and stagger the sub-contractor schedule to ensure a safe social distance for everyone on the site
3. Limit ride sharing to/from work
4. Prohibit sharing of tools on a job site. If tools must be shared, clean them between use

• The number of employees used to calculate whether the company falls under the size requirement and payroll costs is limited to employees who have their principal place of residence in the United States. 
• The SBA intends to promptly issue additional guidance with regard to the applicability of the affiliation rules. We do not know what this means for companies that may have been previously excluded because of the broad nature of the affiliation rules.
• A calculation of the monthly payroll costs is included with examples. Compensation excludes compensation of employees whose principal residence is outside the U.S.  The exclusion for federal payroll taxes from the definition of “payroll costs” is only for amounts imposed or withheld between February 15, 2020 and June 30, 2020.
• Independent contractors do not count as employees for purposes of the PPP loan calculations because they have the ability to apply for a PPP loan on their own.
• Interest rate is 1%.
• The PPP is first-come, first-served.
• Deferment is for 6 months.
• No more than 25% of the loan forgiveness amount may be used for non-payroll costs. The SBA is supposed to issue additional guidance on loan forgiveness. 
• At least 75% of the PPP loan proceeds SHALL be used for payroll costs (including any EIDL loan that is refinanced). This is a new requirement and is important for businesses who need the money to pay interest on mortgage, rent, and utilities. If the funds are used for unauthorized purposes SBA will direct the borrower to repay those amounts. Knowingly using the funds for unauthorized purposes will subject the borrower and its shareholders, members or partners to additional liability such as charges for fraud. SBA will have recourse against the shareholder, member, or partner for unauthorized use.
• Loan proceeds may only be used to pay interest on mortgage and other debt, not principal.

• No. of Jobs is now Number of Employees. This suggests applicants should enter the number of employees used to determine size eligibility and payroll costs.
• Question 3 was the affiliation question. Rather than listing all “affiliates” it asks if the applicant or any owner of the applicant is the owner of another business or has common management with any other business. The SBA says that it intends to promptly issue additional guidance with regard to the applicability of the affiliation rules.
• Question 5 is limited to an applicant who is an individual or an individual owning 20% or more of the equity of the the applicant. 
• Question 6 applies to an applicant who is an individual and any owner of the applicant (which could be an entity and there is no limit on the amount of equity).
• New question 7 asks whether all employees included in the payroll calculations have US as their principal place of residence.
• New question 8 asks if the applicant is a franchise listed in the SBA franchise directory.
• The certifications and authorizations on page 2 require the applicant to certify it is eligible to receive the loan, among other things. The applicant needs to review the certifications and feel comfortable making them given the potential liability for knowingly making a false statement.
• The application now requires only an authorized representative of the applicant to certify in good faith by initialing next to the certifications. This takes away the requirement to have initials from all 20% or more owners.

• Two weeks (up to 80 hours) of paid sick leave at the employee’s regular rate of pay where the employee is unable to work because the employee is quarantined (pursuant to Federal, State, or local government order or advice of a health care provider), and/or experiencing COVID-19 symptoms and seeking a medical diagnosis; or
• Two weeks (up to 80 hours) of paid sick leave at two-thirds the employee’s regular rate of pay because the employee is unable to work because of a bona fide need to care for an individual subject to quarantine (pursuant to Federal, State, or local government order or advice of a health care provider), or to care for a child (under 18 years of age) whose school or child care provider is closed or unavailable for reasons related to COVID-19, and/or the employee is experiencing a substantially similar condition as specified by the Secretary of Health and Human Services, in consultation with the Secretaries of the Treasury and Labor; and
• Up to an additional 10 weeks of paid expanded family and medical leave at two-thirds the employee’s regular rate of pay where an employee, who has been employed for at least 30 calendar days, is unable to work due to a bona fide need for leave to care for a child whose school or child care provider is closed or unavailable for reasons related to COVID-19.

1. is subject to a Federal, State, or local quarantine or isolation order related to COVID-19;
2. has been advised by a health care provider to self-quarantine related to COVID-19;
3. is experiencing COVID-19 symptoms and is seeking a medical diagnosis;
4. is caring for an individual subject to an order described in (1) or self-quarantine as described in (2);
5. is caring for a child whose school or place of care is closed (or child care provider is unavailable) for reasons related to COVID-19; or
6. is experiencing any other substantially-similar condition specified by the Secretary of Health and Human Services, in consultation with the Secretaries of Labor and Treasury.

• English Poster: Here
• English Fact Sheet: Here
• Spanish Poster: Here
• Spanish Fact Sheet: Here
• The latest round of guidance includes questions and answers.

• NAHB Jobsite Poster: Here

• Kentucky Essential Editable Business Letter: Here
• Indiana Essential Editable Business Letter: Here

• Poster to be put into home during New Construction Side by Side English Spanish: Here

• in English: Here
• In Spanish: Here

• Land Development | April 8th - Cancelled
• Membership Committee | April 7th | 11:00 am - Zoom Meeting (see above)
• New Member Orientation | April 7th - Cancelled

• May Member Networking Event U of L Baseball Game - Cancelled
• Jeptha Creed Member/Guest Mixer - Postponed
• BICF Day of Service - Postponed
• BIA Day at the Downs - Postponed | New Date, Wednesday, September 2, 2020
• Tour of New Homes - Cancelled