COVID-19 Benefits Playbook

As a risk management organization, Gibson is deeply committed to the health and safety of our employees, clients, and communities. Like you, we are actively navigating this unprecedented situation as it develops. In an effort to provide critical tools and resources to our clients and communities, our risk management team has launched this response page, which will be kept updated with links, tools, and additional resources as they become available.


What is coronavirus?

The 2019 novel Coronavirus ("COVID-19" or "Coronavirus") is a virus that is closely related to the SARS and MERS viruses that have caused outbreaks in the past. Symptoms of COVID-19 include fever, runny nose, cough and trouble breathing. Most people develop only mild symptoms. But some, usually people with other medical complications, develop more severe symptoms, including pneumonia, which can be fatal. The incubation period for COVID-19 varies between 2 and 14 days.


How is the virus spread?

According to the CDC, the virus is thought to spread mainly from person to person, between people who are in close contact with one another (within about six feet), or through respiratory droplets produced when an infected person coughs or sneezes. These droplets can land in the mouths or noses of people who are nearby, or possibly be inhaled into the lungs.

It may also be possible for a person to contract COVID-19 by touching a surface or object that has been contaminated with the virus and then touching his or her own mouth, nose, or eyes, but this is not thought to be the main way the virus spreads.

People are thought to be most contagious when they are most symptomatic. Some spread might be possible before people show symptoms, and there have been reports of this occurring, but this is not thought to be the main way the virus spreads.


General Links & Public Resources

The spread of COVID-19 is being closely monitored by global, national and regional sources. Here are some of the most up-to-date organizations monitoring the pandemic in real-time.


Need to Know


Personal Wellbeing & Household Readiness

Coronavirus has shown to impact children, adults, seniors, and high risk individuals differently. Here are some resources to help protect yourself and your loved ones.


Stay-At-Home Policies & Resources

Staying home is critical to reducing the spread of COVID-19 in your community. Adhering to the order will save lives, and it is the responsibility of every citizen to do their part.


Commercial Insurance Considerations

How insurance coverage responds to COVID-19 related losses may vary. As with any loss, the availability of coverage will depend on the factual details surrounding the loss event, the specific policy language, and applicable law of the jurisdiction.

We strongly recommend notifying insurance carriers, if you’ve incurred a loss. Do not attempt to determine coverage on your own or assume your coverage will not apply.

To report a claim, please call 1-866-740-8661, or contact