Visit kycovid19.ky.gov for the latest information on the novel coronavirus in Kentucky.

Business-related COVID-19 resources and reopening plans


Reopening Plans:


  • Healthy at Work is Gov. Andy Beshear’s plan for gradually reopening the state’s businesses in a phased manner that keeps employees and patrons safe. Learn more here.

    Healthy at Work set out public health benchmarks for reopening Kentucky’s economy. These benchmarks closely follow the White House’s Guidelines for Reopening America.

    Employers can submit reopening proposals here.
  • The Governor unveiled a tentative reopening schedule for a variety of businesses allowed to resume operations. He said that as long as Kentucky keeps up the fight against the coronavirus with promising results, the following business sectors are in line to restart:
    • May 11 – Manufacturing, construction, vehicle and vessel dealerships, professional services (at 50% of pre-outbreak capacity), horse racing (without spectators), pet grooming and boarding
    • May 20 – Retail, houses of worship
    • May 25 – Social gatherings of no more than 10 people, barbers, salons, cosmetology businesses and similar services
  • U.S. Centers for Disease Control published detailed guidelines on reopening for businesses, child care centers, schools, restaurants and public transit.

Employer Resources:


  • Paycheck Protection Program (PPP) The Paycheck Protection Program resumed in late April and is a U.S. Small Business Administration (SBA) loan that helps businesses keep their workforce employed during the COVID-19 crisis.
    • Loans are fully forgivable if at least 75% of the funds are used for payroll costs.
    • Remainder of loan funds may go toward mortgage interest, rent and utilities.
    • Businesses can receive loans worth up to two months of their average monthly payroll costs from the last year plus an additional 25% of that amount.
    • $10 million maximum per business.
    • All loans will have the same terms.
    • Businesses must apply through an SBA-approved lender.
    To learn more about PPP, apply or find a lender, click here.

    The PPP Loan Forgiveness Form and Instructions can be found here.
  • SBA Disaster Loans: Small businesses, for-profit contractors and private non-profits anywhere in Kentucky that have been harmed by the COVID-19 pandemic are eligible to apply for low-interest SBA Economic Injury Disaster Loans online at www.sba.gov/disaster.

    Applications can also be emailed to the address below. Additional guidance and resources from SBA are available here.

    For assistance or questions, call 1-800-659-2955 (TTY: 1-800-877-8339) or e-mail disastercustomerservice@sba.gov.

    Payments on existing SBA disaster loans from previous disasters are being automatically deferred through Dec. 31, 2020.
  • Emergency Economic Injury Grant: If you apply to www.SBA.gov/disaster for an Economic Disaster Injury Loan (EIDL), you can also apply for an Economic Injury Grant of up to $10,000 as an advance as part of that loan-application process. The grant is to be made available within three days of your EIDL application. Those grants do not need to be repaid.
  • The Families First Coronavirus Response Act requires paid sick leave to hourly employees, expands unemployment insurance and creates a small business interruption loan program. Detailed information is available through the U.S. Department of Labor.
  • Internal Revenue Service: The IRS is extending payroll tax credits to eligible small and mid-sized businesses. Find out more here.
  • U.S. Treasury Department:
    • The Main Street Business Lending Program - This U.S. Treasury Department program will provide support for small and mid-sized businesses that were in good financial standing before the crisis. The program offers four-year loans to companies employing up to 10,000 workers or with revenues of less than $2.5 billion. Principal and interest payments will be deferred one year. Eligible banks may originate new Main Street loans or use Main Street loans to increase the size of existing loans to businesses. Firms seeking Main Street loans must commit to make reasonable efforts to maintain payroll and retain workers. Businesses can apply for new and expanded Main Street loans through U.S. insured depository institutions, US bank holding companies and US savings and loan holding companies. Firms that have taken advantage of the PPP may also take out Main Street loans. Additional information and terms sheets are available here.
    • Employee Retention Credit - Employers of all sizes that face closure orders or suffer economic hardship due to COVID-19 are incentivized to keep employees on the payroll through a 50% credit on up to $10,000 of wages paid or incurred from March 13, 2020 through Dec. 31, 2020. FAQ: Employee Retention Credit
    • Payroll Tax Deferral - To enhance cash flow so businesses can better maintain operations and payroll, employers and self-employed individuals can defer payment of the employer share of the Social Security tax they otherwise are responsible for paying to the federal government with respect to their employees. The deferred employment tax can be paid over the next two years—with half of the required amount to be paid by Dec. 31, 2021 and the other half by Dec. 31, 2022.
  • FDIC and financial institutions: Businesses should also work with their banks, credit unions and other lenders. The Federal Deposit Insurance Corporation (FDIC) encouraged financial institutions by stating: “A financial institution’s prudent efforts to modify the terms on existing loans for affected customers will not be subject to examiner criticism.”
  • US Centers for Disease Control: The CDC provides guidance for employers on maintaining business activity, working from home, cleaning and other topics here.

Employee Resources:


  • The Families First Coronavirus Response Act requires paid sick leave to hourly employees, expands unemployment insurance and creates a small business interruption loan program. Detailed information is available through the U.S. Department of Labor.
  • Unemployment – Kentucky Education and Workforce Development Cabinet: Gov. Andy Beshear expanded unemployment eligibility to individuals typically not covered by unemployment insurance. Those include self-employed, independent contractors, freelance workers, substitute teachers, childcare workers employed by religious affiliated organizations and non-profits can now file. Those who left their job for good cause because of reasonable risk of exposure (self-quarantine) or due to caring for a family member affected by the virus are also eligible. To file a claim, visit kcc.ky.gov.

    Due to the tremendous call volume, please reserve the phone line for those who need to reset their Personal Identification Number (PIN) or who need technical assistance.

    Gov. Beshear also waived the waiting period for unemployment for those who are losing their jobs because of COVID-19 and will waive any work-search requirements while Kentucky’s state of emergency is in effect.

    Kentucky Career Center:
  • US Census: Please complete the 2020 Census at 2020Census.gov while staying healthy at home. Also, encourage your friends, family and neighbors (via socially distant contact, of course) to do the same.

    "We want to make sure every single person in Kentucky is counted so our state receives the correct amount of federal funding over the next 10 years," Gov. Andy Beshear said. "These dollars will help us recover from the health, social and economic impacts of COVID-19."

Commonwealth of Kentucky:


  • Gov. Andy Beshear’s daily briefings are livestreamed at 5 p.m. on the administration’s Facebook page and YouTube channel. As well, they are saved and available for replay at both those locations.

    Each briefing is followed a couple hours later by a news release, available in the News Section toward the bottom of www.kentucky.gov.

    Reopening benchmarks and phases are detailed at www.HealthyAtWork.ky.gov. Industry groups, trade associations, and individual businesses closed due to COVID-19 are encouraged to submit reopen proposals discussing strategies and challenges their business or sector will face in safely reopening.

    Employers and residents can stay up to date on the latest Kentucky COVID-19 information at: Reporting hotline: The COVID-19 Reporting Hotline 833-KY SAFER (833-597-2337) for complaints about non-compliance with coronavirus mandates. Labor Cabinet personnel will monitor the hotline from 7:30 a.m. to 9 p.m. ET. Kentuckians can visit the website  www.kysafer.ky.gov  to make online complaints.
  • Kentucky Cabinet for Economic Development business development project managers are calling Kentucky manufacturers, service and tech companies, offering them insight, assistance and guidance.

    As well, Kristina Slattery, executive director of the Office of Business and Community Services, is taking point on handling and directing the Cabinet’s COVID-19-related business inquiries to project managers, KY Innovation staff, the communications team and others within the Cabinet.

    Contact the Cabinet for Economic Development at:
    (502) 564-7670
    econdev@ky.gov

    As we go forward, the Cabinet for Economic Development will continue to make information for businesses available throughout the state.
    #TogetherKy #TeamKentucky
  • Kentucky Small Business Development Center (KSBDC) is helping businesses with contingency planning via Zoom or phone to develop a business plan. Visit KSBDC’s dedicated COVID-19 page where you can download a checklist for Managing in Times of Financial Difficulty, register for a weekly Wednesday-at-noon webinar and contact a business coach. KSBDC business coaches are also available at
  • How you can help: Many businesses are stepping up across Kentucky. Here’s how yours can help:
    • Become a vendor or donor of personal protective equipment. Paste this survey link into your browser tinyurl.com/kyemcovid, complete it and a member of the Kentucky Emergency Management’s logistics and procurement staff will contact your company to discuss potential assistance.
    • Donate to the Team Kentucky Fund. Gov. Andy Beshear announced this fund to help Kentucky residents who have lost income during the COVID-19 pandemic. Donation are tax deductible and the fund is being managed by the Kentucky Public Protection Cabinet.
    • Volunteer: Kentuckians looking for volunteer opportunities can visit https://www.usa.gov/volunteer.

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