March 26, 2020


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Business Relief Programs

In order to help those businesses that are ordered to close, the Governor also announced new COVID-19 business relief programs and resources available through the Department of Commerce and the Department of Labor. As of March 23, the entire state of Maryland has received designation for federal Small Business Administration assistance, as well.

Maryland has authorized $130 million in loan and grant funding for small businesses and manufacturers that have been negatively impacted by COVID-19. These programs provide interim relief funds that can be used to pay cash operating expenses including payroll, suppliers, rent, fixed debt payments and other mission critical cash operating costs.

For more information about all of these programs, click here:

Below are more details and links for each Maryland relief program.

SBA Disaster Assistance Application

Maryland Small Business COVID-19 Emergency Relief Loan Fund – This is a $75 million loan fund for for-profit businesses only that offers no interest or principal payments due for the first 12 months. After the first 12 months, the loan converts to a 36-month term loan of principal and interest payments, with an interest rate at 2% per annum. Click here for more information:

Maryland Small Business COVID-19 Emergency Relief Grant Fund – This is a $50 million grant fund that offers working capital to assist Maryland small businesses and non-profits with disrupted operations due to COVID-19. The grant is intended to provide interim relief complementing actions with its bank, business interruption insurance and financial partners. For more information, click here:

Maryland COVID-19 Emergency Relief Manufacturing Fund – This is a $5 million incentive program helping Maryland manufacturers to produce personal protective equipment (PPE) needed for hospitals and health-care workers across the country. Details can be found here:

COVID-19 Layoff Aversion Fund – This program is designed to support businesses undergoing economic stresses due to COVID-19 by preventing or minimizing the duration of unemployment resulting from layoffs. Up to $50,000 per applicant can be used in a customizable way for the specific needs of each business to minimize layoffs. Grant applications will be awarded from March 23 through 30-days after the State of Emergency ends (subject to funding availability). For more information, click here:

Unemployment Insurance Work Sharing Program – Work Sharing is a voluntary program that provides an alternative to layoffs for employers faced with a temporary, non-cyclical decline in business due to lower economic activity. The program is designed to avoid layoffs by preserving jobs for trained workers. Click here for more information:

If you have questions about any of these programs and/or would like to apply for relief assistance, click on the program’s link for requirements, instructions and applications.


Check Your Insurance Policy

Check your commercial property insurance coverage, if you have it, and speak to your insurance broker or agent to discuss if you may have coverage for business losses due to the COVID-19 pandemic and related governmental orders. For more information on how insurance coverage might or might not apply to business losses related to the virus, click here:

For the Maryland Insurance Administration's advisory on business interruption insurance, click here:

For more detailed, general information about the various types of business interruption insurance, how it works, how to file claims and prove losses, etc., click here:


FDA Helps Facilitate Veterinary Telemedicine

As part of the U.S. Food and Drug Administration’s ongoing commitment to combatting the coronavirus (COVID-19) pandemic and providing flexibility across FDA-regulated industries, the agency announced that it intends to temporarily not enforce certain requirements in order to allow veterinarians to better utilize telemedicine to address animal health needs during the pandemic. Click here for more information:

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