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Ask a questionOur business support team have compiled FAQs on COVID-19 business issues. Please read these before contacting the team, as you may find your answer.
View FAQsTake a look at what support businesses are offering to each other and local communities at this time in the offers section.
View offersRead the below advice designed to help employers and the self-employed understand how to return to their workplaces in a safe manner and work safely.
You can also read this overview of how to reopen workplaces safely.
Important: You must not reopen if your business is closed under current government rules.
Find government guidance on which businesses can reopen and when, and what measures they should take to ensure the safety of staff, customers and visitors here >
Employers that want to reopen their business have a legal responsibility to protect their employees and other people on site.
Use this guide to help you carry out a risk assessment and make sensible adjustments to the site and workforce.
Action cards have been produced to provide instructions to businesses on what to do in the event of one or more confirmed cases of coronavirus (COVID-19) in your organisation.
These quick-reference guides provide key steps to help you quickly identify, report and respond to any potential COVID-19 outbreak within your local community. A COVID-19 outbreak is one or more confirmed cases of COVID-19, depending on the type of organisation.
The cards are designed to be printed or downloaded to keep on-hand in your business or organisation. Download them here >
Report confirmed cases to Public Health England
If you have two or more confirmed cases of COVID-19 in your organisation, you must report these to Public Health England:
For other advice related to COVID-19 in Buckinghamshire, please email: envhealthreopenings@buckinghamshire.gov.uk
As of May 28th 2020, anyone who tests positive for coronavirus in England will be contacted by NHS Test and Trace and will need to share information about their recent interactions. This could include household members, and people with whom they have been in direct contact or within 2 metres of for more than 15 minutes.
People identified as having been in close contact with someone who has a positive test must stay at home for 14 days, even if they do not have symptoms, to stop unknowingly spreading the virus.
If those in isolation develop symptoms, they can book a test at nhs.uk/coronavirus or by calling 119. If they test positive, they must continue to stay at home for 7 days or until their symptoms have passed. If they test negative, they must complete the 14-day isolation period.
You can find further guidance on the service here.
Businesses will have a clear duty to support NHS Test and Trace
It is now mandatory for certain businesses to have a system to collect NHS Test and Trace data, which must be kept for 21 days.
Core COVID-19 Secure requirements will be mandated for hospitality businesses, and egregious breaches enforced.
The government has also published simplified COVID-19 Secure guidance here.
Employers can play their part by:
Read more employer Test and Trace guidance here.
As of May 28th 2020, anyone who tests positive for coronavirus in England will be contacted by NHS Test and Trace and will need to share information about their recent interactions. This could include household members, and people with whom they have been in direct contact or within 2 metres of for more than 15 minutes.
People identified as having been in close contact with someone who has a positive test must stay at home for 14 days, even if they do not have symptoms, to stop unknowingly spreading the virus.
If those in isolation develop symptoms, they can book a test at nhs.uk/coronavirus or by calling 119. If they test positive, they must continue to stay at home for 7 days or until their symptoms have passed. If they test negative, they must complete the 14-day isolation period.
You can find further guidance on the service here.
Businesses will have a clear duty to support NHS Test and Trace
It is now mandatory for certain businesses to have a system to collect NHS Test and Trace data, which must be kept for 21 days.
Core COVID-19 Secure requirements will be mandated for hospitality businesses, and egregious breaches enforced.
The government has also published simplified COVID-19 Secure guidance here.
Employers can play their part by:
making their workplaces as safe as possible (where working from home is not possible)
requesting that workers self-isolate if they have been asked to do so
supporting their workers when in isolation
Read more employer Test and Trace guidance here.
NHS COVID-19 App
From Thursday 24th September if you run a business or organisation with a physical location that is open to the public, you should display a poster with a QR code for users of the NHS COVID-19 App to ‘check in’. To make and print your QR code poster please use this link.
Here is a list of venues that should display the QR codes includes:
The government has produced guidance to help employers, employees and the self-employed understand how to work safely during the coronavirus pandemic.
There are guides covering a range of different types of work and sectors:
Who is allowed to work in their workplaces?
Please note: You must not reopen if your business is closed under current government rules. Check if your business or venue can open.
The government states: "In the first instance, employers should make every effort to support working from home, including by providing suitable IT and equipment as they have been already. Where work can only be done in the workplace, we have set out tailored guidelines for employers to help protect their workforce and customers from coronavirus while still continuing to trade or getting their business back up and running."
The government's advice on going to work has changed as of 1st August 2020, with government guidance saying: "From this date, employers should ensure workplaces are safe whilst also enabling working from home. Employers should consult with their employees to determine who, from the 1st August 2020, can come into the workplace safely taking account of a person’s use of public transport, childcare responsibilities, protected characteristics, and other individual circumstances. Extra consideration should be given to those people at higher risk.
"When it is decided that workers should come into their place of work, then this will need to be reflected in the COVID-19 risk assessment and actions taken to manage the risks of transmission in line with this guidance. It is vital employers engage with workers to ensure they feel safe returning to work, and they should avoid forcing anyone into an unsafe workplace."
Read more guidance on who the government advises can go back to work in workplaces.
Cleaning workplaces
Government guidance covers the cleaning of environments, including:
The guidance outlines the cleaning required, the appropriate disposal of materials, the cleaning of equipment and hard surfaces, and the personal protective equipment (PPE) that should be worn. Read the guidance here.
Social distancing in the workplace
Read government guidance on social distancing in the workplace.
Wearing face masks at work
For sector-specific guidance of wearing face masks at work, see the government's official guidance.
Risk assessment
Carrying out a risk assessment is one of the five steps that a business must take before being allowed to reopen, as per government guidelines.
The Health and Safety Executive (HSE) has compiled guidance for employers and those who are self-employed and work with or near other people. This guidance is designed to help you work safely and control the risks associated with running your business at this time.
The Health and Safety Executive (HSE) has further resources to help businesses conduct risk assessments of their workplaces.
If you do not carry out a risk assessment, the Health and Safety Executive (HSE) or your local council can issue an enforcement notice.
Workers' rights during COVID-19 outbreak
Information on what employers should and should not do with regards to their employees and a safe return to work.
The government has outlined five main steps businesses should take before reopening to ensure it is safe for staff, customers and visitors.
Read detailed guidance for the five steps here.
Make sure you also read all of the government guides relevant to your workplace. Each guide has specific actions for businesses to take based on these steps.
The Health and Safety Executive (HSE) has published guidance along with the Department for Transport to reassure drivers and to remind businesses of their obligations to provide suitable toilet and hand washing facilities to drivers visiting their premises.
Businesses that make or receive deliveries must ensure that drivers have easy and safe access to toilets and hand washing facilities to support their health and wellbeing whilst carrying out their work.
With winter fast approaching, the ‘Hands. Face. Space’ campaign urges the public to continue to wash their hands, cover their face and make space to control infection rates and avoid a second peak.
Download these resources to spread the word in your premises here >
The government has announced a package of measures to support businesses, including the below.
See also the government's Coronavirus Business Support homepage. This page helps businesses find out how to access the support that has been made available, who is eligible, when the schemes open and how to apply.
Use the government's business support finder to see what support is available for you and your business.
In July 2020 the government has announced two new packages of support to help existing and established businesses across England get back on track.
Part of this package will be the allocation of 120 grants of between £1000-£3000 to businesses with a minimum turnover of £50,000 prior to COVID-19, comprising:
The grants will provide 100% funding for a project between £1,000 and £3,000 (excl. VAT). Businesses must show that the activity funded by these grants is in direct response to the impact of COVID-19. Activity can include:
The Buckinghamshire Business First Growth Hub will be responsible for allocating these grants in Buckinghamshire when they become available.
IMPORTANT: Expressions of interest for this grant have now closed
Expressions of interest for this grant have now closed. If you expressed an interest in this grant via the Buckinghamshire Business First website on or before the 18th September 2020, and you meet eligibility criteria, you will have received an application pack via email on Thursday 24th September so do check your inbox or junk emails.
The allocation of these grants will be on a first-come basis and due to the anticipated high demand, please be aware that not all applications will be successful.
Please look out for our email communications and until that time we will be unable to respond to individual enquiries.
If your address is outside Buckinghamshire, please see the appropriate local Growth Hub in that area for information about the grants that they can provide.
Businesses in England required to close due to local lockdowns or targeted restrictions will now be able to receive grants worth up to £1,500 every three weeks.
To be eligible for the grant, a business must have been required to close due to local COVID-19 restrictions. The largest businesses will receive £1,500 every three weeks they are required to close. Smaller businesses will receive £1,000.
On Wednesday 8th July, the government outlined further support for businesses to help them protect and create jobs. This includes:
The Coronavirus Job Retention Scheme (CJRS) is changing.
As of 1st July 2020, employers can bring back to work employees that have previously been furloughed. Employers are still able to claim a grant for their normal hours not worked, but are now responsible for paying their wages for the hours they do work. Employees can return to work for any amount of time and on any shift pattern.
As of August 2020, employers are now responsible for paying employer National Insurance and pension contributions for the hours the employee does not work. The government will pay 80% of wages up to a cap of £2,500.
As of September 2020, the government will pay 70% of wages up to a cap of £2,187.50 for the hours the employee does not work. Employers will pay employer National Insurance and pension contributions and 10% of wages to make up 80% total wages, up to a cap of £2,500.
From October 2020, the government will pay 60% of wages up to a cap of £1,875 for the hours the employee does not work. Employers will pay employer National Insurance and pension contributions and 20% of wages to make up 80% total wages, up to a cap of £2,500.
On 31st October 2020, the Job Retention Scheme will close.
Workers on maternity or paternity leave - People on maternity and paternity leave who return to work in the coming months will be eligible for the government’s furlough scheme, but criteria applies. This also applies to people on adoption leave, shared parental leave, and parental bereavement leave. Read more information on this here.
The scheme closed to new entrants on 30th June. Unless you’re making a new claim for an employee who is a military reservist or is returning from statutory parental leave, you can only continue to claim through the scheme if you have previously furloughed the employee for three consecutive weeks between 1st March and 30th June
you submitted your claim before 31st July.
The final date by which an employer could furlough an employee for the first time was 10th June, in order for the three week furlough period to be completed by 30th June. Employers had until 31st July to make any claims in respect of the period to 30th June.
Use this government calculator tool to see how much you can claim through the Job Retention Scheme.
National Insurance Contributions
The associated Employer National Insurance Contributions (NICs) and minimum automatic enrolment employer pension contributions on that wage will also be covered. However, when making an application, businesses should only include the cost of their Employer’s National Insurance Contributions if they actually pay those contributions. If NICs are already covered by the £4,000 of tax relief through the Employment Allowance, and this relief brings your NICs contributions to zero, you should not add the NICs amount to your grant claim. If you do, you may have to pay money back to HMRC.
How to make a claim now
HMRC has produced a step-by-step guide which explains the information that employers need to provide to HMRC to make a claim through the Coronavirus Job Retention Scheme (CJRS). Read this guide here.
Decide whether you want to make your own claim or if you want your agent to act on your behalf - if you have an agent that has authorisation to act for you on PAYE matters, they can make a claim for CJRS on your behalf.
To make a claim, you will need:
You also need to provide either:
If you’re putting more than 100 employees on furlough
If you’re claiming for more than 100 furloughed employees, you’ll need to upload a file containing each employee's:
If you want an agent to act for you
If you use an agent who is authorised to act for you for PAYE purposes, they will be able to make a claim on your behalf.
If you use a file only agent (who files your RTI return but doesn’t act for you on any other matters) they won’t be authorised to make a claim for you and you will need to make the claim yourself. Your file only agent can assist you in obtaining the information you need to claim (which is listed above).
If an agent makes a claim on your behalf, you will need to tell them which bank account you would like the grant to be paid into.
Check your eligibility
Find out if you’re eligible and how much you can claim to cover wages for employees on furlough due to COVID-19.
Work out 80% of your employees' wages to claim through the Coronavirus Job Retention Scheme
Find out how to calculate 80% of your employee’s wages, National Insurance Contributions and pension contributions if you've furloughed staff due to COVID-19.
After you’ve claimed
Once you’ve claimed, you’ll get a claim reference number. HMRC will then check that your claim is correct and pay the claim amount by Bacs into your bank account within 6 working days.
You must:
Payments received through the scheme must be included as income in the business’s calculation of its taxable profits for Income Tax and Corporation Tax purposes.
HMRC make the following requests:
"Only call us if you can't find what you need on gov.uk - please, wherever possible, leave the phone lines open for those who need us most. All applications will be processed online. After a claim has been submitted it will take six working days for it to be paid – please do not chase up payment during this time.
"Employees should speak to their employers with any questions, not HMRC. We won’t be able to answer queries from individual employees."
Through the Coronavirus Job Retention Scheme, open to any employer in the country, companies and organisations will be able to apply for a grant from HMRC to cover the wages of people who would otherwise have been laid off due to COVID-19-related shutdowns. These people would be classified as furloughed workers. This would mean that they are kept on their employer’s payroll, rather than being laid off.
Who can claim? You must have:
Any entity with a UK payroll can apply, including businesses, charities, recruitment agencies and public authorities.
Which employees are eligible under the scheme?
You can claim for furloughed employees that were employed as of 19th March 2020 and were on your PAYE payroll on or before that date. This means that you will have made an RTI submission notifying HMRC of payment of that employee on or before 19th March 2020.
Employees that were employed as of 28th February 2020 and on payroll (i.e. notified to HMRC on an RTI submission on or before 28th February) and were made redundant or stopped working for you after that, and prior to 19th March 2020, can also qualify for the scheme if you re-employ them and put them on furlough.
The scheme will cover 80% of the monthly wage costs of the retained workers, up to £2,500 per month, plus the associated Employer National Insurance contributions and minimum automatic enrolment employer pension contributions on that wage, provided they keep the worker employed. (The scheme also covers employees who have been made redundant since 28th February 2020, if they are rehired by their employer.)
The government will also cover the employer national insurance and minimum auto-enrollment pension scheme contributions employers pay on the wages they must pay their furloughed staff – on top of the wages covered under the scheme.
This funding will be open to all employers with a PAYE payroll scheme that was created and started on or before 19th March 2020, including charities. The scheme will cover the cost of wages backdated to 1st March 2020, if applicable.
You will also need to:
Those who are furloughed:
Apprenticeships and furloughing
Apprentices can be furloughed in the same way as other employees and they can continue to train whilst furloughed.
HMRC has a dedicated helpline at 0800 0159 559.
Your employees can check if they are eligible for the Job Retention Scheme here.
The Institute of Chartered Accountants has published its understanding of the policy and how it will work. Read this guidance here.
Details have been released about how the Job Retention Bonus will work:
What you need to do now
If you intend to claim the Job Retention Bonus you must:
The Bounce Back Loans scheme provides loans of up to £50,000 to ensure that small firms that need vital cash injections to keep operating can get finance in a matter of days.
The scheme is open for applications.
You cannot apply if you’re already claiming under the Coronavirus Business Interruption Loan Scheme (CBILS), though you could transfer CBILS funding to this new scheme. Read below for more details.
Key headlines of the Bounce Back Loans scheme:
Further details of the scheme:
Eligibility
You can apply for a loan if your business:
Who cannot apply
The following businesses are not eligible to apply:
Read more information on the Bounce Back Loan scheme here.
You cannot apply if you’re already claiming under:
If you’ve already received a loan of up to £50,000 under one of the above schemes, you can transfer it into the Bounce Back Loan scheme. You have until 4th November 2020 to arrange this with your lender.
The temporary Coronavirus Business Interruption Loan Scheme (CBILS) supports SMEs with access to loans, overdrafts, invoice finance and asset finance of up to £5 million and for up to six years.
The government will make a Business Interruption Payment to cover the first 12 months of interest payments and any lender-levied fees, so smaller businesses will benefit from no upfront costs and lower initial repayments, and will provide lenders with a guarantee of 80% on each loan (subject to pre-lender cap on claims) to give lenders further confidence in continuing to provide finance to SMEs.
Eligibility: You are eligible for the scheme if:
How to access this scheme: The scheme is delivered through commercial lenders, backed by the government-owned British Business Bank. There are 40 accredited lenders able to offer this scheme, including all the major banks - see the full list here.
In order to access the scheme, businesses should contact their finance provider, not the British Business Bank. You can find out the latest on the best ways to contact them via their websites. Please note that branches may currently be shut down to enable social distancing.
The decision on whether to offer finance is taken by each individual lender, not by the government. Businesses remain responsible for repaying any borrowing that they take out.
Lenders will be stopped from requesting personal guarantees for loans under £250,000 and making operational changes to speed up lending approvals. The Big Four banks (Barclays, HSB, Lloyds, RBS) had already agreed to not take personal guarantees as security for lending below £250,000.
Further eligibility details
CBILS has been extended so that all viable small businesses affected by COVID-19, and not just those unable to secure regular commercial financing, will now be eligible should they need finance to keep operating during this difficult time.
Previously, businesses which were classed as ‘undertakings in difficulty’ were unable to access CBILS. As of 30th July, businesses in this category and which have fewer than 50 employees and a turnover of less than £9 million can apply to CBILS. Read more here.
Read the specific guidance provided for businesses.
If you have an existing loan with monthly repayments you may want to ask for a repayment holiday to help with cash flow.
Whether other lenders outside of the Big Four banks require a personal guarantee for a loan through this scheme is at the discretion of the lender. However, a lender is not allowed to take a personal guarantee against a borrower's principle residence under the scheme. So even if a personal guarantee is required under the lender's credit policy, it cannot be taken against the borrower's home.
We are aware that many charities will not qualify for the Business Interruption Loan Scheme unless trade is over 50% of all revenue.
Further details are also available on the government website.
Please speak to your accountant or a qualified business financial adviser before progressing.
Find out if you can use the Coronavirus Statutory Sick Pay Rebate Scheme to reclaim employee's coronavirus-related Statutory Sick Pay (SSP).
The Coronavirus Statutory Sick Pay Rebate Scheme will repay employers the SSP paid to current or former employees for periods of coronavirus-related sickness starting on or after 13th March 2020.
The repayment will cover up to 2 weeks starting from the first qualifying day of sickness, if an employee is unable to work because they either:
You can claim for periods of sickness starting on or after:
SSP weekly rate
The weekly rate was £94.25 before 6th April 2020 and is now £95.85. If you’re an employer who pays more than the weekly rate of SSP, you can only claim up to the weekly rate paid.
The scheme can be used by employers (including charities and connected companies) if they:
The scheme covers all types of employment contracts, including:
Employees do not have to give you a doctor’s fit note for you to make a claim. But you can ask them to give you either:
Keeping records of staff absence
You must keep records of SSP that you’ve paid and want to claim back from HMRC.
You must keep the following records for 3 years after the date you receive the payment for your claim:
Read more information on the Statutory Sick Pay Rebate Scheme.
If you have registered your establishment for the Eat Out to Help Out Scheme and offered scheme discounts to diners on Mondays to Wednesdays between 3 and 31 August, you can:
You must make the claim yourself, you cannot ask an agent to do it for you.
You must enter accurate details for all the establishments you’re claiming for before submitting your claim. If you need to amend information later your payment may be delayed.
Buckinghamshire Council delivered the below grant schemes to support businesses. Please note these schemes are now closed for applications:
Support for businesses from a range of sources can be found below.
In the event of redundancies, support is available to help employers and employees through this tough time, including helping people find a new job, training opportunities and financial support.
Visit the Buckinghamshire Business First Redundancy Support webpage.
Government guidance outlines how holiday entitlement and pay operate during the coronavirus pandemic.
It is designed to help employers understand their legal obligations, in terms of workers who:
A new online learning platform to help boost the nation’s skills while people are staying at home has been launched.
Free courses are available through a new online platform hosted on the gov.uk website, called The Skills Toolkit. The new platform gives people access to free, high-quality digital and numeracy courses to help build up their skills, progress in work and boost their job prospects.
These are the skills which are highly valued by employers and sought after in a wide range of jobs. With more people expected to be working and studying remotely in the coming months, the platform offers a great opportunity to learn new skills to help to get ahead online.
The platform also offers employees who have been furloughed an opportunity to keep up their skills development while they are at home.
Courses on offer cover things from everyday maths and tools for using email and social media more effectively at work, to digital marketing and learning how to code.
All courses are online and flexible, so people can work through them at their own pace.
If you are a UK VAT-registered business that deferred VAT payments between 20th March 2020 and 30th June 2020, you now need to:
Any VAT payments you have deferred between 20th March and 30th June should be paid in full on or before 31st March 2021.
Read more information on what to do if you previously deferred VAT payments.
All businesses and self-employed people in financial distress, and with outstanding tax liabilities, may be eligible to receive support with their tax affairs through HMRC’s Time To Pay service. These arrangements are agreed on a case-by-case basis and are tailored to individual circumstances and liabilities.
If you are concerned about being able to pay your tax due to COVID-19, call HMRC’s dedicated helpline on 0800 0241 222. (This number has replaced the original number set up for this purpose, but calls to the old helpline number will be redirected to the new number automatically.)
HMRC also has a webchat function where advisers can talk about problems paying your taxes due to coronavirus (COVID-19).
More information on this support can be found here.
HMRC digital assistant
You can also use HMRC’s digital assistant to find more information about the coronavirus support schemes available to businesses.
Businesses will be given additional time to file accounts as they deal with the impacts of COVID-19.
Filing deadlines will be updated automatically and you do not need to apply for an extension.
You can check your company’s deadlines on the Companies House website. It’s important that you file your documents by the new deadline.
If you have already extended your accounts filing deadline, you may not be eligible for an extension.
This is a temporary measure. Your deadline will not be extended next year if it falls on or after 6th April 2021.
Companies House has published detailed guidance on these extensions here and here.
All businesses in the retail, hospitality and leisure sector will not be required to pay business rates between 1st April 2020 and 31st March 2021. This includes shops, pubs, theatres, music venues, restaurants and bingo halls. It also includes estate agents and letting agents. This discount applies to all of these businesses regardless of their size or rateable value.
Properties that will benefit are those that are wholly or mainly being used:
How to access the scheme: You do not need to do anything. This will apply to your next council tax bill in April 2020. However, local authorities may have to reissue your bill automatically to exclude the business rate charge. They will do this as soon as possible.
Buckinghamshire Council will suspend direct debit transactions for April and May 2020, so no direct debits will be collected.
Read Buckinghamshire Council's FAQs on this business rates holiday.
You can estimate the business rate charge you will no longer have to pay this year using the business rates calculator.
COVID-19: what you need to consider
The Pensions Regulator has produced guidance to support employers facing difficult decisions and circumstances during the virus outbreak. Read this guidance here.
COVID-19 pension guidance published for employers
Guidance setting out how employers can meet their automatic enrolment (AE) duties as they navigate the effects of the coronavirus pandemic can be found here.
The Department for International Trade (DIT) has published advice for UK businesses that export or deliver goods and services abroad and have been impacted by the spread of coronavirus (COVID-19). Read this guidance here.
It includes:
DIT can support businesses by:
Find an International Trade Adviser in your area
The Department for International Trade’s (DIT) 170 International Trade Advisers are reaching out to businesses across the country to provide advice on keeping trade flowing. DIT is also working closely with trade bodies and business organisations to support the government’s business campaign. Find an ITA in your area.
Notice to exporters - processing licence applications during coronavirus (COVID-19)
The Department for International Trade has revised arrangements for processing licence applications during the coronavirus (COVID-19) outbreak. Read more information here.
Notice to exporters - Export Control Joint Unit updates guidance on compliance checks for open licences
Details of changes and further clarification on compliance checks for open licences has been made available by the government. Read more information here.
From 10th October 2020, Companies House will resume the process to strike off companies it believes are no longer carrying on business or in operation.
In April 2020, Companies House temporarily paused the strike off process to prevent companies being dissolved in the wake of the COVID-19 outbreak.
Removal from the register occurs if Companies House finds there is reasonable cause to believe a company is no longer carrying on business or in operation, for example, if:
Read more information about these changes and what to do if you want to remain on the register.
The government will set out measures so that pubs and restaurants can operate as hot food takeaways to serve people having to stay at home. The measures will be introduced as soon as possible and will apply for a limited period. Read more information on this here.
If you have previously taken out loans through The Prince’s Trust and your business is facing financial uncertainty, you can access additional support and advice by contacting the Growth Company Business Finance (GCBF). They will discuss your individual circumstances and agree an approach, and if the business remains viable, the option of a Second Loan can be explored with you.
The Rural Payments Agency has created a webpage with the latest Information for farmers, landowners and rural businesses during the COVID-19 outbreak. Read this page for regular updates.
The government has confirmed that the deadline for 2020 Basic Payment Scheme (BPS) applications, Countryside Stewardship (CS) revenue claims, Environmental Stewardship (ES) claims, and woodland legacy revenue claims, without penalty, is extended by one month to midnight on 15th June 2020, in recognition of the disruption caused by COVID-19.
The period for making amendments without penalty is extended to midnight on 30th June 2020.
The final deadline, with penalty, is extended to midnight on 10th July 2020.
The deadlines for submitting CS applications are unchanged. Applications to CS Higher Tier and CS Hedgerows and Boundaries Grant close on 1st May 2020.
Buckinghamshire Council will suspend direct debit transactions for April 2020, so no direct debits will be collected.
Business rates holiday will be introduced for nurseries in England for the 2020 to 2021 tax year.
Eligibility: You are eligible for the business rates holiday if your business is based in England
Properties that will benefit from the relief will be those:
How to access the scheme? There is no action for you. This will apply to your next council tax bill in April 2020. However, local authorities may have to reissue your bill to exclude the business rate charge. They will do this as soon as possible.
You can estimate the business rate charge you will no longer have to pay this year using this business rates calculator.
The government has produced guidance on the types of businesses and premises that must now close.
Read the full list and further guidance on this here.
These closures are now enforceable by law due to the threat to public health. These measures will be reviewed by government every 28 days.
For those allowed to stay open: employers who have people in their offices or onsite should ensure that employees are able to follow Public Health England guidelines including, where possible, maintaining a 2 metre distance from others, and washing their hands with soap and water often, for at least 20 seconds (or using hand sanitiser gel if soap and water is not available).
Stay at home FAQs for businesses
The government has produced a series of FAQs for businesses with questions about the these closures. Read these FAQs here.
The government has amended the COVID-19 regulations to make clear that people who wish to move home can do so.
This guidance provides important public health information to ensure that moving home and key activities around this, such as viewing properties, can happen safely. It also applies to custom and self-builders looking to acquire a plot or a property to renovate or to demolish.
The government has produced guidance to estate agents, surveyors, conveyancers and removal firms. Read this guidance here.
The government has produced guidance for food businesses with regards to:
There is also guidance for:
If an employer cannot afford to pay their employees' redundancy pay, they can apply to the Redundancy Payments Service (RPS) for financial assistance.
If approved, the RPS will make statutory redundancy payments directly to the redundant employees on the employer’s behalf.
Read the government guidance, including eligibility criteria, here.
Government guidance and advice for those providing hotel and other accommodation in the UK has been published. Read the guidance here.
Businesses providing holiday accommodation (including hotels, hostels, B&Bs, campsites, caravan parks, boarding houses and short term lets) should now take steps to close for commercial use as quickly as is safely possible.
Full consideration should be given to the possible exclusions for residents that should be allowed to remain.
What the exclusions mean: Hotels and other accommodation providers should be able to remain open in the following examples:
Read the letter regarding the exemption for hotels, hostels and B&Bs to open so they can offer accommodation to key workers and support rough sleepers to keep them off the streets and in suitable accommodation.
Any decision to close should be implemented in full compliance with the social distancing guidelines.
HMRC has produced guidance to help you find out what equipment, services or supplies are taxable if your employees are working from home due to COVID-19.
Who is affected? You could be affected if any of your employees are working from home due to COVID-19, either because:
Who is not affected? Furloughed workers who are eligible for the Coronavirus Job Retention Scheme.
Arts Council England is offering individuals and organisations working in the cultural sector new financial support during this crisis, totalling £160 million.
CITB's board met on 25th March and gave final approval to suspend the issue of its levy bills, due for payment in 2020, for an initial period of three months.
The bills will subsequently be issued for the full year. The delay will provide immediate financial relief to construction employers during the coronavirus crisis. In normal times, CITB assesses and sends out levy bills each April in accordance with legal requirements.
CITB levy bills are usually due for payment in May, but CITB will not seek collection on the suspended bills until August, or later if possible.
CITB has also provided information on a range of other issues, including:
The government has introduced the Corporate Insolvency and Governance Bill to help businesses address the challenges resulting from the impact of COVID-19.
Measures include:
The government will introduce legislation to ensure those companies required by law to hold Annual General Meetings (AGMs) will be able to do so safely, consistent with the restrictions on movement and gatherings introduced to address the spread of coronavirus.
Companies will temporarily be extended greater flexibilities, including holding AGMs online or postponing the meetings. Read more information here.
Right to Work checks have been temporarily adjusted to make it easier for employers to carry them out during the coronavirus outbreak.
Until further notice, employers do not need to see original documents and can complete Right to Work checks over video calls. Further guidance on what this means for employers can be found here.
The following temporary changes have been made:
Checks continue to be necessary and you must continue to check the prescribed documents listed in 'right to work checks: an employer’s guide'. It remains an offence to knowingly employ anyone who does not have the right to work in the UK.
Because of COVID-19, some individuals may be unable to evidence their right to work. During this period, you must take extra care to ensure no-one is discriminated against as a job applicant or employee because they are unable to show you their documents.
HMRC has introduced a temporary measure to help in the destruction of spoilt beer, cider, wine or made-wine during coronavirus for:
Normally the destruction of alcohol must be supervised by a responsible person from the brewery, cider producer or winery. Due to social distancing requirements this is currently difficult to follow.
Who can destroy spoilt beer, cider, wine or made-wine
You can now appoint the publican or an agreed person at the premises to carry out the destruction of spoilt beer, cider, wine or made-wine. An Authorised Company Representative (ACR) does not need to be present.
You must follow health and safety conditions and agree this with the person carrying out the destruction.
This temporary change will apply while coronavirus social distancing restrictions remain in place. HMRC will give at least 30 days’ notice before withdrawing these temporary measures.
You must continue to keep:
Under the new COVID-19 Corporate Financing Facility, the Bank of England will buy short term debt from larger companies.
This will support your company if it has been affected by a short-term funding squeeze, and allow you to finance your short-term liabilities. It will also support corporate finance markets overall and ease the supply of credit to all firms.
Eligibility - all non-financial companies that meet the criteria set out on the Bank of England’s website are eligible. For this and further information, visit the relevant Bank of England webpage here.
The scheme is now available for applications.
The Bank’s intention is for the Facility to operate for an initial period of 12 months, to help businesses bridge through COVID-19-related disruption to their cash flows. The Bank will provide 6 months’ notice of the withdrawal of the Facility.
The government has produced guidance for Ofsted-registered childcare providers for children of all ages, including: childminders, nurseries and wraparound childcare, before and after-school clubs and holiday clubs. The guidance does not cover nannies or au pairs, as they work in the child/children’s family home. Read this guidance here.
Read the government guidance on moving goods and clearing customs during the coronavirus (COVID-19) outbreak.
Find out about temporary changes to customs policy and authorisations to assist businesses during the coronavirus (COVID-19) outbreak.
These changes may affect you if you are authorised or applying to be authorised by customs to:
The construction industry has worked to develop Site Operating Procedures (SOP), which were published by the Construction Leadership Council. Read this guidance here.
Joint pledge to continue vital building safety work during pandemic
Essential safety work to replace unsafe cladding on high-rise buildings will continue during the COVID-19 emergency. Read more on this here.
The government has temporarily relaxed the EU and GB drivers’ hours rules for drivers carrying goods by road. Read more information here.
Th government's Procurement Policy Note (PPN) sets out information and guidance for public bodies on payment of their suppliers to ensure service continuity during and after the COVID-19 outbreak.
Contracting authorities must act now to ensure suppliers at risk are in a position to resume normal contract delivery once the outbreak is over.
The guidance note - ‘Model Interim Payment Terms’ - provides a set of terms that contracting authorities can use to implement PPN 02/20 in providing contractual relief to suppliers who have been affected by COVID-19.
eBay has announced a raft of measures to support business sellers during the COVID-19 outbreak, including:
The government has introduced temporary changes to allow bus and lorry drivers who cannot complete compulsory Driver CPC training to continue to drive. Read more information here.
A government-backed loan scheme for large businesses affected by coronavirus has been expanded to cover all viable firms.
Through the Coronavirus Large Business Interruption Loans Scheme (CLBILS), firms with a turnover of more than £45 million can borrow up to £25 million from lenders. Firms with a turnover of more than £250 million can borrow up to £50 million from lenders.
The government will provide lenders with a guarantee of 80% on each loan to give lenders further confidence in continuing to provide finance.
The scheme will be available through a series of accredited lenders, which will be listed on the British Business Bank website. It is scheduled to launch on Monday 20th April 2020.
Duty deferment account holders who are experiencing severe financial difficulty as a result of COVID-19 and who are unable to make payment of deferred customs duties and import VAT due on 15th April 2020 can contact HMRC for approval to enter into an extended period to make full or partial payment, without having their guarantee called upon or their deferment account suspended.
The account holder should contact the Duty Deferment Office on 03000 594243 or by email at cdoenquiries@hmrc.gov.uk.
The government information service on WhatsApp has been updated to include business support advice. Text ‘hi’ to 07860 064422 via WhatsApp; there are business support measures highlighted under option 5.
Government guidance sets out the financial support that is available for different types of education, early years and children’s social care providers in England. Read this guidance here.
The government has delayed plans to bring forward the revaluation of business rates to April 2021.
The last revaluation was in April 2017, and is usually done every five years, but legislation had been passed to bring forward the date of the next revaluation to 2021.
Read more about the delay to revaluation.
Valuation Office Agency update re: COVID-19
The Valuation Office Agency (VOA) is:
Read the VOA's full update regarding its services at this time.
Read more information on business rates revaluation on the government website.
The Jeweller Support Network, which is made up of leading industry associations, aims to provide jewellery business and brands with access to relevant resources, links and business insights. Read more information here.
Facebook is offering $100 million (approx. £84 million) in cash grants and ad credits for up to 30,000 eligible small businesses in over 30 countries where they operate.
Facebook is working through eligibility details for businesses in the UK.
Businesses can sign up for updates via a link on this page. (Scroll down to the 'How do I apply?' section and click on 'See eligible areas and apply')
Banks are offering all or a combination of: loan repayment holidays, increased or new overdraft facilities, interest rate reductions, temporary and emergency loans.
Barclays
Barclays has launched a free telephone helpline offering support and information to its business banking customers. It is also providing repayment holidays. Find out more here >
You can also talk to your Relationship Manager or call 0800 1971 0861.
Santander
Santander's support includes a helpline and advice on managing finances. Find out more here >
You can also talk to your Relationship Manager or call 0800 731 6666.
The bank is also reminding customers to be alert to criminals taking advantage of coronavirus to carry out scams. It advises customers to be on the lookout for anything suspicious, including email messages about coronavirus claiming to be from their bank.
NatWest
NatWest has announced a £5 billion fund to support small and medium-sized firms to deal with the impact of coronavirus. Support includes the provision of working capital, loan repayment holidays and temporary emergency loans with no fees. Find out more here >
You can also talk to your Relationship Manager or call 0345 711 4477.
Lloyds
Lloyds has launched a £2 billion package to help minimise disruption to business operations. Support includes repayment holidays, no arrangement fees for new or increased overdrafts, invoice discounting and finance facilities. Find out more here >
You can also talk to your Relationship Manager or call 0345 072 5555.
HSBC
HSBC is allocating £5 billion to help businesses that need support and asking relationship managers to proactively contact customers to see what help their businesses need. They will also consider offering repayment holidays to free up cash within businesses; reviewing overdrafts or trade loans to allow stock to be held for longer; and providing trade finance solutions to support customers with their supply chains. Find our more here >
You can also talk to your Relationship Manager or call 08000 121 614.
In response to the growing number of commercial rent disputes, RICS has launched a Commercial Rental Independent Evaluation Service to help landlords and tenants negotiate payments during Covid-19.
The independent service aims to provide a timely dispute resolution for both parties. It will allow tenants to have a “safe” space to share their payment issues and for landlords to outline their requirements for any concessions to be agreed
A recent court ruling on Business Interruption Insurance (BII) means that COVID-19 claims should be paid out successfully in most cases. The verdict will provide relief for many small businesses and help them to rebuild and move forward.
We recommend that individual policies and terms should be closely reviewed as the judgement states that most, but not all disease clauses provide cover.
Anyone who is unsure about their cover should speak to a legal professional such as Blaser Mills who will be able to review policies and help reach the best possible outcome.
Please find advice and support for self-employed people affected by COVID-19.
The Self-employment Income Support Scheme (SEISS) has been extended.
First SEISS grant
Applications for the first grant closed on 13th July 2020.
Second grant now available
The scheme is now open for the second grant. If you’re eligible, HMRC will contact you and give you a date to make your claim from.
If you have not received a date from HMRC and think you’re eligible, you can use the online service to check. If you’re eligible, they will give you a date you can make your claim from.
If your business has been adversely affected on or after 14th July 2020, you must make your claim for the second grant on or before 19th October 2020.
You will have to confirm your business has been adversely affected by COVID-19 on or after 14th July 2020. See examples of what "adversely affected" may mean.
You can claim for the second grant even if you do not make a claim for the first grant.
The second and final grant will be a taxable grant worth 70% of your average monthly trading profits, paid out in a single instalment covering a further 3 months’ worth of profits, and capped at £6,570 in total.
Self-employed parent? Self-employed parents whose trading profits dipped in 2018/19 because they took time out to have children will be able to claim for a payment under the scheme. Read more information here.
How to make a claim
Claims can be made through the government's SEISS webpage.
The scheme is for the self-employed and members of partnerships whose trade/business has been adversely affected by coronavirus (COVID-19).
Check if you're eligible by using HMRC’s online checker. You'll need your:
Your tax agent or adviser can also check your eligibility on your behalf, but they must not make the actual claim on your behalf.
Some people may not be eligible for the scheme. Read this guidance for more information.
When you make your claim, you’ll need your:
You’ll also have to confirm to HMRC that your business has been adversely affected by coronavirus.
HMRC will work out if you’re eligible and how much grant funding you may get. If your claim is approved, you’ll receive your payment within 6 working days. HMRC will send an email when your payment is on its way. You can check the status of your payment here.
You must make your claim yourself
Your tax agent or adviser can also check your eligibility on your behalf, but they must not make the actual claim on your behalf as this will trigger a fraud alert, and you will have to contact HMRC. This will cause a significant delay to you receiving your payment. You must make the claim yourself.
If you receive the grant, you can continue to work, start a new trade or take on other employment including voluntary work, or duties as an armed forces reservist.
The grant will be subject to Income Tax and self-employed National Insurance.
Filed your 2018-19 tax return after 23rd April 2020? If you did not submit your Self Assessment tax return for the tax year 2018 to 2019 on or before 23rd April 2020, you will not be able to claim. Read more information here.
Did you amend your tax return after 26th March 2020? If you amended a submitted return after 6pm on 26th March 2020, any changes will not be taken into account when working out your eligibility or amount of the grant. Read more information here.
How HMRC works out total income and trading profits
HMRC has detailed how it will work out your income and profits if you're self-employed or a member of a partnership in the UK and have lost profits due to coronavirus (COVID-19). Read this guidance here.
HMRC will use the average profits from tax returns in 2016-17, 2017-18 and 2018-19 to calculate the size of the grant. The scheme will be open to those where the majority of their income comes from self-employment and who have profits of less than £50,000. If you started trading between 2016-19, HMRC will only use those years for which you filed a Self-Assessment tax return. The grant will be subject to Income Tax and National Insurance contributions but does not need to be repaid.
People using the SEISS will be able to:
Eligibility criteria
To be eligible for the scheme you must meet all the criteria below:
Please note: You will access this scheme only through GOV.UK. If someone texts, calls or emails claiming to be from HMRC, saying that you can claim financial help or are owed a tax refund, and asks you to click on a link or to give information such as your name, credit card or bank details, it is a scam.
From May 28th 2020, anyone who tests positive for coronavirus in England will be contacted by NHS Test and Trace and will need to share information about their recent interactions. This could include household members, and people with whom they have been in direct contact or within 2 metres of for more than 15 minutes.
There is specific guidance on the NHS Test and Trace service for the self-employed, which can be found here.
People identified as having been in close contact with someone who has a positive test must stay at home for 14 days, even if they do not have symptoms, to stop unknowingly spreading the virus.
If those in isolation develop symptoms, they can book a test at nhs.uk/coronavirus or by calling 119. If they test positive, they must continue to stay at home for 7 days or until their symptoms have passed. If they test negative, they must complete the 14-day isolation period.
You can find further guidance on the service here.
NHS COVID-19 App
From Thursday 24th September if you run a business or organisation with a physical location that is open to the public, you should display a poster with a QR code for users of the NHS COVID-19 App to ‘check in’. To make and print your QR code poster please use this link.
Here is a list of venues that should display the QR codes includes:
Self-employed parents whose trading profits dipped in 2018/19 because they took time out to have children will be able to claim for a payment under the scheme.
Community Grants scheme
If you work in film, TV or cinema and have an idea for an activity that could help your friends and colleagues in the industry during the crisis, you can apply for a small Community Grant of £150 – £250, up to a maximum of £1,000, to cover set-up costs and expenses.
These grants are designed for grassroots organisations or individuals. Your activity could tackle isolation, connect people, involve professional development, skill-sharing, mentoring or career development, or financial advice.
Read more information about the grant scheme.
The below schemes were closed as of May 26th 2020. Check the links for any updates.
The British Film Institute (BFI) and The Film and TV Charity are offering grants of up to £500 to provide stop-gap support for those in immediate financial distress. Details on eligibility and how to apply are here.
The two also launched a new industry-backed COVID-19 Film and TV Emergency Relief Fund for freelance film and TV professionals. More details, including on how to be kept informed about this fund can be found here.
The Film and TV Charity also provides mental health support to the industry, including counselling and legal advice, via a 24/7 support line on 0800 054 00 00.
The Association of Independent Professionals and the Self-Employed (IPSE) has a coronavirus support hub full of advice, webinars and frequently asked questions. Visit the IPSE support hub here.
If you’re self-employed, Income Tax Self-Assessment due on the 31st July 2020 under the Self-Assessment system will be deferred to January 2021. Read more information on this here.
How to access the scheme?
This is an automatic offer with no applications required. No penalties or interest for late payment will be charged in the deferral period.
Customers who normally pay by direct debit should cancel their direct debit with their bank if they are unable to pay. Please do so in sufficient time so that HMRC do not attempt to automatically collect on receipt of your VAT return.
You can still make the payment by 31st July 2020 as normal if you’re able to do so.
Those who are not eligible for Statutory Sick Pay (SSP), for example the self-employed or people earning below the Lower Earnings Limit of £118 per week, can now more easily make a claim for Universal Credit or Contributory Employment and Support Allowance. More details on how to claim can be found here.
Changes to Universal Credit for self-employed people
The government has temporarily changed the way they work out Universal Credit for self-employed people on low incomes.
It has suspended the Minimum Income Floor for Universal Credit, meaning self-employed people can now access, in full, Universal Credit at a rate equivalent to Statutory Sick Pay for employees.
People applying for Universal Credit will now be able to use their existing Government Gateway account to confirm their identity, helping to speed up their claim. Read more information here.
Call the Universal Credit helpline on 0800 328 5644 for more information or view the government's webpage on self-employment and Universal Credit.
If you want to know how COVID-19 affects the Minimum Income Floor, you can read the latest information about COVID-19 and claiming benefits, including Universal Credit.
The government's 'Understanding Universal Credit' homepage is here.
Talk to your existing finance provider to see what they can do to help you manage existing debt. If you have an existing loan or asset purchase (for example a lease or hire purchase agreement), you could ask for a repayment holiday. You may also need a new or increased overdraft facility, or to secure additional finance.
Talk to your customers, especially large customers, and ask if they can pay your invoices more quickly. Some firms have already started doing this.
All self-employed people in financial distress, and with outstanding tax liabilities, may be eligible to receive support with their tax affairs through HMRC’s Time To Pay service. These arrangements are agreed on a case-by-case basis and are tailored to individual circumstances and liabilities.
If you are concerned about being able to pay your tax due to COVID-19, call HMRC’s dedicated helpline on 0800 0241 222. (This number has replaced the original number set up for this purpose, but calls to the old helpline number will be redirected to the new number automatically.)
Reforms to off-payroll working rules have been delayed by 12 months as part of the government’s COVID-19 economic response package.
The rules will now come into effect on 6th April 2021 instead of 6th April 2020.
The rules, sometimes known as IR35, make sure that workers who would have been an employee if they were providing their services directly to the client pay broadly the same tax and National Insurance contributions as employees.
Discuss preparations with your clients now, particularly about working remotely.
Check your contractual obligations, particularly with regards to unforeseeable circumstances that prevent you from fulfilling your contract.
Check to see what health or income protection insurance you might have in place.
From 1st October business owners that complete a self-assessment tax return can apply for additional support to help spread the cost of their tax bill using the “Time to Pay” scheme, which could allow them to make monthly payments up to a twelve-month period instead of a one-off charge.
This is one of the measures that HMRC has implemented to help ease the financial burden that businesses may be experiencing due to Covid-19.
The online payment plan option was already available for tax payments of up to £10,000 , this threshold has been increased to £30,000. HMRC estimates that up to 95% of businesses that complete a self-assessment tax return could be eligible to use this facility.
In order to set up your own self-serve Time to Pay arrangements, you must meet the following requirements:
Customers using self-serve Time to Pay will be required to pay any interest on the tax owed. Interest will be applied to any outstanding balance from 1 February 2021. For further information visit the self-assessment website.
We have a wide range of webinars currently being run by Buckinghamshire Business First and our members that are designed to provide practical support and help to businesses during this time. See this list of webinars here.
Visit our webinar library to watch previous webinars
We are archiving our previous webinars on our website, so you can watch recordings of them at your convenience. Watch them here >
You can also watch these webinars again on our YouTube channel.
Are you running a webinar? If you are running a webinar that provides COVID-19-related support to other businesses.
Government departments are hosting a series of webinars to help businesses understand the support available to them at this time.
Webinar topics include:
See the list of webinars here.
Watch HMRC videos with support on the above topics
HMRC has created a playlist of videos with more information on the support avaialble from government schemes. Watch the videos here.
Sign up for email alerts about webinars
You can sign up for email alerts about live and recorded webinars, YouTube videos and online guidance.
The Department for International Trade (DIT) has launched a series of nearly 100 expert-led webinars to provide support to businesses throughout the COVID-19 outbreak.
Businesses can register online and access all of the recorded webinars here.
Watch recordings of previous webinars
A selection of past DIT webinars are available to view online. Watch them here.
The Department for International Trade (DIT) is running a series of virtual events designed to help you navigate current challenges and achieve future growth.
Watch recorded government webinars on a range of topics, including:
Acas is delivering a series of free webinars on COVID-19-related subjects, providing practical advice for employers.
Subjects include:
Check to see when the next webinars take place.
You can also watch recordings of previous webinars on the same homepage.
Knowledge Transfer Network (KTN), an Innovate UK partner, has listed all of its upcoming online events in one place. These feature support on COVID-19-related issues, but also cover topics such as:
The Confederation of British Industry (CBI) is running daily webinars on how coronavirus is impacting the business community, and what your business can do to mitigate the impact.
As well as these webinars, there are many other online events promoted on the CBI website on a wide range of topics related to helping your business through these times.
View webinars on issues affecting freelancers and the self-employed from the Association of Independent Professionals and the Self-Employed (IPSE).
See the available funding opportunities through Innovate UK.
The page is constantly updated, so do check back for new opportunities.
The Future Fund provides loans to innovative UK-based companies that are facing financing difficulties due to the coronavirus outbreak.
The loans range from £125,000 to £5 million, subject to eligibility and a match-funding element.
These convertible loans may be a suitable option for businesses that typically rely on equity investment and are unable to access other government business support programmes because they are either pre-revenue or pre-profit.
Eligibility criteria:
For more details on the eligibility criteria and application process, read the attached document.
The Clean Growth Fund aims to speed up the deployment of innovative clean technologies that reduce greenhouse gas emissions, by making direct investments in companies seeking to commercialise promising technologies.
Continuity loans
Up to £210 million is available in continuity loans to SMEs and third sector organisations that have a challenge in continuing a live project for which they have an award from Innovate UK.
Loans are for organisations that find themselves facing a sudden shortage or even unavailability of funds resulting directly from the COVID-19 pandemic. This innovation continuity loan may be suitable if you need funding of between £250,000 and £1,600,000.
Continuity loans will be open for applications until all the money is allocated or 31st December 2020 - whichever is earlier.
Further support may be available
Innovate UK has developed a range of options for supporting its existing customers with current projects through the impacts of the pandemic, including:
See the available funding opportunities through UK Research & Innovation (UKRI), including an open call for research and innovation ideas to address COVID-19.
The page is constantly updated, so do check back for new opportunities.
Innovate UK has provided an update on the support available to businesses from Innovate UK due to COVID-19 and advice for award holders. Read the guidance here.
UK Research and Innovation (UKRI), which Innovate UK is a part of, has also provided information on the impact of COVID-19 on UKRI-supported research. Read the guidance here.
Innovative, high-growth SMEs can get support from an Enterprise Europe Network (EEN) Innovation and Growth Adviser, receiving up to five days of adviser time over a 6-12 month period, with an additional 3 days for those businesses demonstrating the highest growth potential.
Support is built around three phases:
The adviser will support the business on areas such as:
The adviser will act as a sounding board and critical friend, helping the business to develop plans, implement actions and make connections that will accelerate their growth as soon as possible.
For the highest growth potential businesses, additional support can be provided covering areas such as strategic reviews, structure for growth, funding/finance for growth, entering new/global markets, and getting ready to scale.
UKRI are calling for proposals for rapid research into COVID-19.
This was a rolling call, but has now been updated with a closing date of 30th June 2020.
They are open to applications and will aim to review complete proposals within 4 weeks of submission.
This is for UK-led academic, SME and wider industry research that will address a wide range of COVID-19 knowledge gaps/needs, and which will lead to a benefit in UK, potentially international, public health within 12 months.
A new drive to fund space-enabled technology and services that can strengthen the NHS response to coronavirus has been launched by the UK Space Agency.
An initial £2.6 million is being made available to fund a number of projects to develop hi-tech solutions to these challenges, in a joint initiative with the European Space Agency (ESA) in support of NHS England.
The Association of British Insurers has produced a Q&A to help businesses understand their insurance cover during the coronavirus outbreak. Read the Q&A here.
Most commercial insurance policies are unlikely to cover pandemics or unspecified notifiable diseases, such as COVID-19.
However, those businesses which have an insurance policy that covers government-ordered closures and pandemics, or government-ordered closures and unspecified notifiable diseases, should be able to make a claim (subject to the terms and conditions of their policy).
Insurance policies differ significantly, so businesses are encouraged to check the terms and conditions of their specific policy and contact their providers.
Notifiable diseases are certain infectious diseases that registered medical practitioners have a statutory duty to notify the ‘proper officer’ at their local council or local health protection team about when they come across a suspected case. The government keeps an updated list of notifable diseases. On 5th March 2020, the government added COVID-19 to its list of notifiable diseases.
Many insurers use diseases on this list as triggers for the activation or exclusion of insurance cover. For example, insurers’ policies that cover notifiable diseases will typically only cover a specific subset of notifiable diseases (such as Cholera or Anthrax) that the insurer will reference in the policy documentation. These policies will exclude any notifiable disease not on the insurers list, as well as future/unknown diseases (such as COVID-19). The price that the insurer charges for the policy is modelled against the risk posed by this set list of diseases.
Some businesses will have purchased add-ons for their insurance that cover for ‘unspecified notifiable diseases’. These policies effectively cover any disease listed as a notifiable disease, enabling the business to claim for losses for all notifiable diseases as well as from diseases that are unknown at the point the policy is written.
The effect of the government adding COVID-19 to its list of notifiable diseases is to ensure that businesses with unspecified notifiable disease cover are able to make a claim – subject to the terms and conditions in their policy.
The government asked a number of different businesses and venues to remain closed from 21st March 2020 onwards.
Insurers have agreed that this advice is sufficient for businesses covered for COVID-19 losses to make a claim (if the only barrier to them making a claim was a lack of clarity on whether the government had ordered businesses to close).
However, most businesses’ commercial insurance policies (including for denial of access) are unlikely to offer cover for COVID-19. Insurance policies differ significantly, so businesses are encouraged to check the terms and conditions of their specific policy and contact their providers.
Businesses with event cancellation policies that include unspecified notifiable disease extensions should be able to make a claim for the necessary and unavoidable cancellation, abandonment, curtailment, postponement and disruption of their event for reasons beyond the control of organisers and participants (subject to the other terms and exclusions of their policy).
Insurance for major events is often bespoke to the specific event, so businesses are encouraged to check the terms and conditions of their specific policy and contact their insurer or broker.
The Education and Skills Funding Agency's (ESFA) 'Business Update' series is a monthly round-up of apprenticeship information and news for businesses.
These round-ups include information on how COVID-19 is affecting apprenticeships.
Read government guidance for apprentices, employers, training providers and assessment organisations in response to the impact of COVID-19.
Visit this page to find collections of articles aimed at:
Department for Education (DfE) COVID-19 helpline
If you have a query about COVID-19 relating to schools and other educational establishments and children's social care in England, contact the DfE helpline on 0800 046 8687.
Lines are open from 8am to 6pm, Monday to Friday, and 10am to 4pm at weekends. If you work in a school, have your unique reference number (URN or UK PRN) available when calling the helpline.
See the below support, including cyber security advice, Buckinghamshire Council and central government updates, and news that may be of interest.
Business Debt Line offer telephone advice/web chat, budget tools, debt management letter templates and more. Further information can be found here, or call 0800 197 6026.
If your business needs more workers as a result of COVID-19, such as those in food logistics, preparation and retail, post vacancies on the government's Find a Job tool.
Mix 96 are giving businesses the opportunity to list themselves online if they are still legally open for business. You can find the list, and register your own business, here.
Measures announced over recent weeks to deal with coronavirus have seen our day-to-day life drastically changed – we are spending more time at home and online. Unfortunately, criminals will use every opportunity they can to scam innocent people and their businesses.
The government has updated its advice and guidance on keeping yourself and your business protected from fraud and cyber crime.
National Cyber Security Centre guidance
The National Cyber Security Centre has published advice on how to manage cyber security. There is advice for:
Working Tax Credits payments have increased by £1,045 to £3,040 per year as of 6th April 2020 until 5th April 2021.
The amount a claimant or household will benefit from will depend on their circumstances, including their level of household income. More information can be found here.
The Intellectual Property Office has said that its services are mainly unaffected.
All rights holders and IP professionals are asked to continue to file as normal where possible. However, the IPO is now unable to process paper forms, faxes and paper correspondence. Customers are asked to use the online services whenever possible. For services that are not available online, an email address has been created - paperformcontingency@ipo.gov.uk - which can be used instead of faxing or posting documents to the IPO.
The IPO has declared 24th March, and subsequent days until further notice, 'interrupted days'. This means that any deadlines for...
...and applications for these rights, which fall on an interrupted day will be extended until the IPO notifies the end of the interrupted days period. To support rights holders, businesses and IP professionals plan ahead, the IPO will provide a minimum of 2 weeks’ notice before ending the interrupted days period.
The situation will be reviewed on 28th May 2020, which will either see the period of interruption continue, or an announcement that the period will end after a further two weeks.
The IPO states: "Please note that although interrupted days extends many of our renewal deadlines, we strongly encourage our customers to meet their existing deadlines where possible. If your renewal deadline falls after the period of interruption ends, this deadline will not be extended."
Further information on alterations to services for specific rights:
The Knowledge Transfer Network (KTN) helps businesses get the best out of creativity, ideas and the latest discoveries, to strengthen the UK economy and improve people’s lives. It is a network partner of Innovate UK.
KTN has compiled a COVID-19 support and information hub, which includes:
A summary of the latest news from the Department for Environment, Food & Rural Affairs (Defra) related to COVID-19. Read this summary here.
People applying for Universal Credit will now be able to use their existing Government Gateway account to confirm their identity, helping to speed up their claim. Read more information here.
The government has agreed measures with the energy industry to support vulnerable people through COVID-19:
Enforcement of the gender pay gap reporting deadlines are suspended for this reporting year (2019/20) due to the COVID-19 outbreak.
The decision means there will be no expectation on employers to report their data.
The Chancellor of the Exchequer has proposed a change to the tax legislation to allow highly skilled individuals from across the world to come to the UK and help us respond to this unprecedented health emergency.
Under normal circumstances, the actions and presence of these individuals in the UK could affect their own tax residence status, potentially bringing their global earnings within the purview of UK taxation.
The Statutory Residence Test (SRT) will be amended to ensure that any period(s) between 1st March and 1st June 2020 spent in the UK by individuals working on COVID-19 related activities will not count towards residence tests.
These changes are time limited and will only support those people whose skillsets are currently required.
The government's new WhatsApp service is free-to-use and aims to provide official, trustworthy and timely information and advice about COVID-19, and will further reduce the burden on NHS services.
To use the free Coronavirus Information Service on WhatsApp, simply add 07860 064422 in your phone contacts and then message the word ‘hi’ in a WhatsApp message to get started.
Buckinghamshire Council is providing daily video updates about local progress in combating COVID-19 – aired at approximately 3pm on their website.
Hundreds of Business Improvement Districts across England will share £6.1 million to help cover their day to day costs for the next 3 months. Read more information here.
Business Improvement Districts (BIDs) will be able to extend the maximum duration of their BID arrangements until 31st March 2021 by delaying BID ballots due to take place this year. This enables BIDs, and the local authorities who administer the ballot process, to concentrate on responding to the current emergency. Read more information here.
The temporary MOT exemption will enable vital services to continue, frontline workers to get to work, and people to get essential food and medicine. Further information can be found here.
The contactless limit for in-store card transactions will increase from £30 to £45. This is being introduced in order to reduce the need for physical contact with PIN-Entry Devices (PEDs) at points of sale.
Read about the package of measures announced by the government at Budget 2020 to support public services, individuals and businesses affected by COVID-19.
An overview of government advice and activity in response to COVID-19.
Community pharmacies are receiving a £300 million cash boost to ensure they can continue to carry out essential services during the coronavirus outbreak.
The advanced funding injection will support pharmacies to provide critical services to protect community health, including supplying medicines and providing medical advice to patients, during a period of unprecedented demand.
£200 million was paid on 1st April to pharmacy contractors, alongside their normal monthly payments from the NHS Business Services Authority, and a further £100 million will be allocated on 1st May 2020. Read more information here.
A zero rate of VAT now applies to all e-publications – potentially slashing the cost of a £12 e-book by £2 and e-newspaper subscriptions by up to £25 a year. Read more information here.
The government has provided £5.4 million to be distributed to people seeking help with housing, debt, discrimination and employment problems.
The money will be distributed by not for profit organisations and Law Centres across England and Wales.
HMRC has extended the time limit for notifying of a decision to opt to tax land and buildings to 90 days from the date the decision to opt was made. This applies to decisions made between 15th February and 30th June 2020. Read more information here.
Sign up for email alerts about the UK government’s response to COVID-19.
Read official government guidance for employers and businesses on providing advice to their staff on:
Guidance and support for employees
Information for employees at work and on temporary leave (furlough).
Testing for COVID-19 in England has been expanded to include any worker with symptoms who needs to leave home to travel to work and cannot work from home.
See the full list of essential workers and those prioritised for testing.
Employers can also refer essential workers for testing if they are self-isolating either because they or member(s) of their household have coronavirus symptoms.
The government is testing:
Additionally, the government is testing:
This means anyone in one of these groups can find out whether they have the virus. Testing is most effective within 3 days of symptoms developing.
Please note that these lists apply to England only. Scotland, Wales and Northern Ireland have their own lists and criteria. See more information on:
Wales
Northern Ireland
Scotland
https://www.gov.uk/guidance/coronavirus-covid-19-getting-tested#who-can-be-tested
Government guidance sets out those whose work is critical to the coronavirus response and keeping crucial public services going.
Employers need to be responsible about who needs to be in the office and are encouraged to help their staff find alternative arrangements to support them working from home.
A hub containing guidance on personal protective equipment (PPE), and infection prevention and control (IPC) is now available, containing information for both health and social care settings and other workers and sectors. Read this guidance here.
The UK government does not currently (as of April 17th 2020) advise use of face masks outside of care settings, in line with PPE guidance. Public Health England recommends that employers should ensure that:
Buckinghamshire Council's Community Hub website is full of information for those needing support and/or able to offer support and how to keep safe and healthy at these times, as well as information for non-English speaking residents. Visit this website here.
The British Retail Consortium has published guidance for retail premises to ensure the safety of staff and customers in the event of the non-food retail sector re-opening for business. Read this guidance here.
Acas has published new guidance to help employers understand their obligations and protect the health and safety of their staff. It covers sick pay, dealing with incidents of coronavirus in the workplace, and employers’ obligations concerning workers who need to self-isolate or do not want to come into work. Read the guidance here.
Acas webinars
Acas is delivering a series of free webinars on COVID-19-related subjects, providing practical advice for employers.
Subjects include:
Check to see when the next webinars take place.
You can also watch recordings of previous webinars on the same homepage.
Blaser Mills have put together some information documents advising employers.
One is on lay-offs and short-time working and another is advice for businesses on whether they can break contracts.
The Chartered Institute of Personnel & Development (CIPD) has produced a factsheet providing advice on how employers should respond to the COVID-19 threat and support employees by being prepared, particularly looking after employees’ health and safety and developing flexible resourcing plans.
The Institute of Directors (IoD) has created a Coronavirus Support Hub. Visit it here for information and support.
The Federation of Small Businesses has a dedicated webpage with news, information and support for businesses. Visit the website here.
The CBI Coronavirus Hub is full of advice and guidance for your business at these challenging times. Visit the website here.
A £500 million Hardship Fund will provide council tax relief to vulnerable people and households to help those affected most by COVID-19.
The government has set out that the Hardship Fund will go to local authorities in England to enable them to reduce the 2020 to 2021 council tax bills of working age people receiving Local Council Tax Support.
Councils will also be able to use the funding to provide further discretionary support to vulnerable people through other support arrangements such as Local Welfare Schemes.
The British Chambers of Commerce has collated support and information here.
The Law Society has posted an FAQ for businesses here.
The Chartered Management Institute has developed a portal of resources here.
The British Retail Council (BRC) is providing a daily update on the actions taken by retailers to respond to the Coronavirus pandemic. Read more information here.
Be the Business has created a hub to support businesses during the COVID-19 outbreak.
Non-statutory guidance for landlords, tenants and local authorities in the private and social rented sectors in the context of COVID-19.
The government has produced a list of organisations to speak with to get advice on COVID-19 matters, including some sector-specific organisations.
The order to stay at home can cause anxiety for those who are experiencing or feel at risk of domestic abuse. As an employer, you can play an important role in reassuring staff that they can still leave their home if they are experiencing domestic abuse and that there is still support available, including online support, helplines, refuges and the police.
The Home Office has provided an employer pack to help businesses share this important message with staff.
There are numerous requests for help from the government and organisations of all kinds urging businesses to support efforts to deal with the various challenges COVID-19 presents to the healthcare system, businesses, individuals and communities. Find requests for help here >
Do you have a specific need? Take a look at what support businesses are offering to each other and local communities at this time here >
Can't find what you need? Call on advice and support from our community of over 12,000 local businesses by asking a question in our Q&A area here >
Take a look at the information and support available for charities, voluntary and community groups and social enterprises.
A £25,000 grant will be provided to retail, hospitality and leisure businesses operating from smaller premises with a rateable value between £15,001 and £50,999. For businesses in these sectors with a rateable value of up to and including £15,000, they will receive a grant of £10,000. Businesses with a rateable value of £51,000 or over are not eligible for this scheme.
Are charities eligible? Charities with premises with a rateable value of £50,999 or less on 11th March 2020 that would have been eligible for a discount under the business rates Expanded Retail Discount Scheme, had that scheme been in force for that date, are eligible for the grant. Charities which would otherwise meet this criteria but whose bill for 11th March 2020 had been reduced to nil by a local discretionary award should still be considered to be eligible for the grant.
How to access the scheme?
Fill out an online application form through the district council website relevant to your business/s:
If you have any query with this, please contact your relevant area office:
PLEASE NOTE: You should apply for this grant directly to the council, as above. We have been made aware of online offers to apply for the grant on behalf of organisations in return for a fee. This is not necessary and there is no advantage, only the loss of the fee.
Eligibility: To be eligible for a grant, companies and traders must have been liable for business rates on 11th March 2020. If this criteria is not met, there is no entitlement to relief.
Buckinghamshire Council update (May 22nd 2020): Buckinghamshire Council has paid out £76.6 million in coronavirus business grants to 5,868 small local businesses and businesses in the retail, hospitality and leisure sectors. Buckinghamshire Council is processing applications as they are received and carrying out necessary checks to verify entitlement. Payments are then being made within five working days unless there are queries that require further clarification. New applications are arriving daily and the Buckinghamshire Council team is working hard to process the remaining requests as quickly as they can.
If you have a business and haven’t applied yet, you can check your eligibility and apply at: www.buckinghamshire.gov.uk/businessgrant.
Read Buckinghamshire Council's FAQs on this grant funding.
Read the government guidance on the Retail, Hospitality and Leisure Grant, which includes a Q&A on eligiblity and other factors of interest.
Grants will be provided in respect to each property (hereditament); therefore businesses with multiple outlets would receive more than one grant and may receive grants from separate local authorities.
Charities and benevolent and philanthropic organisations can apply for funding that seeks to address the consequences of COVID-19 for disadvantaged women and girls.
The Tampon Tax Fund can support projects which directly benefit disadvantaged women and girls, tackle violence and support their mental health and wellbeing.
Community Impact Bucks has produced a COVID-19 webpage in order to filter and interpret the huge amount of available information to help local charities, voluntary and community groups, and social enterprises.
This includes guidance for groups organising the community support for people affected by COVID-19:
Heart of Bucks has compiled a list of funding, support and resources for:
See this directory of support here.
Heart of Bucks is running a fundraising campaign, with the funds generated from the Bucks Coronavirus Response Appeal going to support people and charities in Buckinghamshire who are most affected and vulnerable at this time of crisis. Read more information here.
The Clare Foundation has collated a list of resources and support services for charities, businesses and people in the Buckinghamshire community who have been affected by the COVID-19 crisis. Read more information here.
LEAP is committed to helping to support the coaches, leaders, volunteers and organisations who make sport and activity happen across Buckinghamshire and Milton Keynes.
LEAP has compiled a list of funding opportunities, advice and inspiration for deliverers, clubs and physical activity organisations.
Action4Youth provides positive, often transformational experiences and activities which inspire children and young people.
Visit their website for more information on the support they provide.
The Charity Excellence Framework has compiled a list of COVID-19 funding streams and toolkits available to access. Read more information here.
Guidance to help with running your charity during the COVID-19 outbreak.
Topic covered include:
Charities across the UK will receive a £750 million package of support to ensure they can continue their vital work during the coronavirus outbreak.
£360 million will be directly allocated by government departments to charities providing key services and supporting vulnerable people during the crisis.
£370 million will also be allocated for small and medium-sized charities, including through a grant to the National Lottery Community Fund for those in England.
The application system for the National Lottery Community Fund grant pot is expected to be operational in the coming weeks.
Read about the plans of the Office of the Regulator of Community Interest Companies (CICs) to maintain services for CICs during the COVID-19 outbreak.
Grants of up to £10,000 to help smaller charitable organisations affected by COVID-19 are available. Organisations with a charitable purpose and charitable activities, which had an income of £1million or less in their last financial year, can apply. Read more information here.
Please note: as of April 8th 2020, applications for this fund had been paused. Keep checking the above link for further updates.
The Charities Aid Foundation also has a COVID-19 hub for the latest funding and resources to help charities and other social sector organisations throughout the COVID-19 pandemic.
The government has announced a £3 million fund for organisations redistributing safe surplus food to those who need it during the coronavirus outbreak.
All food redistribution businesses and charities will be encouraged to bid for grants over the coming month, including those whose volunteer programmes have been affected by social distancing measures or those that cannot access their usual commercial support network. Read more information here.
Other organisations also have resources that may help charities, voluntary organisations and volunteers during the COVID-19 crisis:
The National Lottery Heritage Fund has put together a £50 million fund to support the heritage sector as an immediate response to the COVID-19 outbreak.
The £50m fund will be available for grants of between £3,000 and £50,000. It is available to organisations across the full breadth of heritage, including historic sites, industrial and maritime heritage, museums, libraries and archives, parks and gardens, landscapes and nature. Read more information here.
The Police Property Act Fund is a joint fund managed by the Police and Crime Commissioner (PCC) and the Chief Constable and is distributed to local community and voluntary groups.
The Fund is created from money recovered by the police and the proceeds from the sale of items that cannot be returned to identified owners, which includes seizures from criminals and is distributed twice a year.
In response to the coronavirus pandemic, Thames Valley Police brought forward the latest funding round to support organisations that are working with the local community and helping people through this challenging time.
Buckinghamshire Council has set up a special fund to allow local councillors to support volunteer and community groups in their area by applying for grants for them.
Registered not-for-profit organisations and charities can apply for grants of up to £2,000. For groups who aren’t registered, the funding can be paid to the local parish or town council or a local charity on their behalf.
The grants are for groups helping to meet the needs of vulnerable residents or who are carrying out activity to enable people to stay at home, e.g. local groups delivering food.
You can only apply for the crisis funding through your local councillor. Find yours here.
Grants of up to £50,000 are now available for community-based organisations providing mental health services in England. Read more information here
Update: As of 13th May, applications for this fund had been paused. Keep checking the above link for any updates.
Following the latest health, self-isolation and social distancing advice is crucial at this time, as is looking after your own physical and mental health.
Mental health and wellbeing is important 365 days of the year, with or without a pandemic or other crisis.
Employers are uniquely placed to identify challenges that their employees are going through, and to provide information and support to help them.
Business owners should never overlook their own mental health and wellbeing, and should take advantage of the same information and support.
Visit Buckinghamshire Business First's Workplace Wellbeing webpage for information and resources.
From May 28th 2020, anyone who tests positive for coronavirus in England will be contacted by NHS Test and Trace and will need to share information about their recent interactions. This could include household members, and people with whom they have been in direct contact or within 2 metres of for more than 15 minutes.
People identified as having been in close contact with someone who has a positive test must stay at home for 14 days, even if they do not have symptoms, to stop unknowingly spreading the virus.
If those in isolation develop symptoms, they can book a test at nhs.uk/coronavirus or by calling 119. If they test positive, they must continue to stay at home for 7 days or until their symptoms have passed. If they test negative, they must complete the 14-day isolation period.
There is specific guidance on the NHS Test and Trace service for employers, businesses, workers and the self-employed, which can be found here.
The mental health charity Mind has a comprehensive list of support and advice for people at this time.
This information is for everyone. Please do read it if you can.
Government guidance for the public on the mental health and wellbeing aspects of COVID-19, including an easy-to-read guide to looking after your physical and mental health.
Visit the NHS website to read the following about COVID-19:
Online NHS 111 COVID-19 service
Use the 111 online COVID-19 service if you think you have symptoms.
Read the government's stay at home guidance for those with possible COVID-19 infection.
Information and advice from the World Health Organisation (WHO) regarding COVID-19.
Guidance for British people travelling and living overseas during the COVID-19 pandemic.
NHS COVID-19 App – advice to residents
The new NHS COVID-19 App has now launched. Individuals with smart-phones can download and use the App on a voluntary basis. Users will also be able to use the App to ‘check in’ at venues they visit, such as a pub, restaurant or a GP surgery.
The App works on an anonymous basis – it tracks the virus, not the user. Find out more and download the app www.covid19.nhs.uk.
NHS COVID-19 App – advice to businesses
From Thursday 24 Sep if you run a business or organisation with a physical location that is open to the public, you should display a poster with a QR code for users of the NHS COVID-19 App to ‘check in’. To make and print your QR code poster please use this link.
This list of venues that should display the QR codes includes:
Buckinghamshire Business First will be updating our members with all the latest information, support and funding available to businesses as the COVID-19 crisis unfolds. Our emails and newsletters will be a key source of information at this time.
If you are not already a member of Buckinghamshire Business First, please sign up here for free to ensure you don't miss out on information, support and funding.
Our business support team are working really hard to support as many businesses as possible and have collated a list of frequently asked questions they are answering on a daily basis. Please take a look below to see if you can find the answers to your questions before contacting the team.
Please note: The information in our FAQs was correct at the time of writing. The information provided in our FAQs is provided without any warranty, assurance, representation or opinion as regards the content, and Buckinghamshire Business First is not responsible for any loss arising from action taken or not taken based on the answers provided. If your business is affected by COVID-19, you need to revert to your usual professional advisers when advice is required on the specific circumstances that apply to you and your business. Above all, you must stay within COVID-19 emergency laws and procedures laid down by government.
Answers to questions about the Small Business Grant Fund and the grant for those in the retail, hospitality and leisure sector.
Most businesses in the retail, hospitality and leisure sectors and those receiving Small Business Rate Relief or Rural Rate Relief will receive a grant as follows:
Eligibility: To be eligible for a grant, companies and traders must have been liable for business rates on 11th March 2020. If this criteria is not met, there is no entitlement to relief.
How to access the scheme?
Fill out an online application form through the district council website relevant to your business/s:
If you have any query with this, please contact your relevant area office:
PLEASE NOTE: Businesses should apply for this grant directly to the council, as above. We have been made aware of online offers to apply for the grant on behalf of a business in return for a fee. This is not necessary and there is no advantage, only the loss of the fee.
If you have a business and haven’t applied yet, you can check your eligibility and apply at: www.buckinghamshire.gov.uk/businessgrant.
Are charities eligible? Charities with premises with a rateable value of £50,999 or less on 11th March 2020 that would have been eligible for a discount under the business rates Expanded Retail Discount Scheme, had that scheme been in force for that date, are eligible for the grant. Charities which would otherwise meet this criteria but whose bill for 11th March 2020 had been reduced to nil by a local discretionary award should still be considered to be eligible for the grant.
Read Buckinghamshire Council's FAQs on this grant funding.
Read the government guidance on the Retail, Hospitality and Leisure Grant, which includes a Q&A on eligiblity and other factors of interest.
Grants will be provided in respect to each property (hereditament); therefore businesses with multiple outlets would receive more than one grant and may receive grants from separate local authorities.
If you work from home, you are unlikely to pay business rates. That is unless you’ve specifically stated this to your local authority. If so, you are likely to be in receipt of small business rate relief (SBRR) and the relevant paperwork. See these links for more information:
How to access the £10k and £25k grant schemes?
Fill out an online application form through the district council website relevant to your business/s:
If you have any query with this, please contact your relevant area office:
You should be able to confirm whether you pay business rates or not, or are in receipt of the reduced rates through the SBRR, as you will have received a Rate Bill from your local authority.
If you work from home and do not pay business rates or receive the SBRR, then you are unable to claim the £10k grant.
Buckinghamshire Council sent letters to those eligible for the grants, as well as emails to those whose details they have.
You can pay for Post Office redirection to your home address.
Find and check your business rates valuation here >
If your property does not appear on the list, contact Valuation Office Agency at ndronline@voa.gsi.gov.uk or on 03000 501 501.
The vast majority of business interruption insurance policies held by small or medium-sized enterprises (SMEs) will not include cover for business losses caused by a pandemic, as it will be listed as an exclusion.
In a very small number of cases in which an SME has purchased a business interruption insurance policy with additional cover for a “notifiable disease”, and no pandemic exclusion, that SME may be covered now that the government has certified COVID-19 as a notifiable disease.
The terms and conditions of insurance policies can differ significantly, so SMEs should check their specific policy and contact their provider if in any doubt.
The Association of British Insurers (ABI) have published a Q&A in relation to business insurance and COVID-19,
Many apprenticeship training providers are shutting their training centres and classrooms to students for an indefinite period.
We are getting regular feedback from our local providers, all of whom are adapting training delivery to make full use of technology such as Microsoft Teams, Zoom, Whatsapp etc.
Apprentices are being given work to complete, and regular contact with their assessor ensures learning is being tracked and captured.
Contact your apprenticeship learning provider immediately and ask for guidance. We expect this will be a common theme and await guidance from the Education & Skills Funding Agency (ESFA) on how they will respond and support both businesses and learners at this time.
No, absolutely not. An apprentice can recommence with another employer or have a ‘break in learning’, and there are circumstances where if the apprentice is close enough to completion, they can do so without an employer.
Messaging from the Education & Skills Funding Agency (ESFA) at this point suggests an absolute priority is to keep apprentices on programme, although how that is reflected in support remains to be seen.
Firstly, they should follow Public Health England advice on how to respond in terms of self-isolation etc.
In terms of the apprenticeship, the Department for Education (DfE) made a statement on 9th March confirming that apprentices affected by COVID-19, either directly or indirectly, should be assisted through more flexible application of the rules on ‘breaks in learning’.
This also covers, for example, where an assessor is unable to carry out End Point Assessment (EPA) due to illness or other COVID-19 measures.
The Department for Education (DfE) is working with the Institute for Apprenticeships and Technical Education (IfATE) “to develop a comprehensive and complete set of measures that permit professional discretion so that individuals are protected and disruption is minimised, whilst safeguarding the quality of apprenticeships, should it not be possible to extend the length of an apprenticeship.”
They anticipate further announcements imminently. Read the full statement here.
Apprentices can be furloughed in the same way as other employees and they can continue to train whilst furloughed.
However, you must pay your apprentices at least the Apprenticeship Minimum Wage, National Living Wage or National Minimum Wage (AMW/NLW/NMW) as appropriate for all the time they spend training. This means you must cover any shortfall between the amount you can claim for their wages through this scheme and their appropriate minimum wage.
If the apprentice is able to continue with their ‘off-the-job’ learning with their training provider, then it appears that the Education & Skills Funding Agency (ESFA) are content that they do not need to be put on a ‘break in learning’, which is the official process for putting an apprenticeship on hold.
The Apprenticeship Levy should continue to be paid as usual.
The Construction Industry Training Board (CITB) has a dedicated webpage of support for CITB members, which includes support for apprentices.
They announced on 24th March 2020 that they would advance grant payments for second and third year apprentices who are already subject to CITB grant support. This could help firms to retain apprentices during this difficult period. Firms will also be able to access the Job Retention Scheme.
There is a dedicated section of the CITB website focused on a number of COVID-19 issues.
The government website lists a series of business-related questions and answers on the subject of COVID-19.
If you need to speak to one of our advisers, call 01494 927130 or email BusinessSupport@bbf.uk.com. Please be aware that our Business Support Team is supporting a large number of businesses at present and is extremely busy, but the team are working hard to deal with all enquiries.