2020

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• NU/PC360 Editorial Advisory Board 2020
• PIA Issues Call for Spring Award Nominations
• Latest from the PIA Advocacy blog
• Australia Fire Claims Could Top $600 Million
• Insurance and Flood Risk in 2020
• NAIC Warns On Christian Health Cost Sharing Ministries
• ACORD Announces New Forms Fee & License Requirement for Agents
• Three PIA Advocacy Wins to Start the New Year
• The PIA Partnership Launches Agency Perpetuation Planning Program
• PIA Webinar Spotlight
• Earn more commissions on Flood Insurance
• Cannabis BOP Approved in Nevada
• Latest from the PIA Advocacy blog
• Target Prospects With Digital Ads
• Market Scout: P/C Rates Up 5 Percent in Q4
• Florida Speaker: Ban Use of Genetic Info
• Ohio Insurance Director Looks Ahead
• Preparing to Regulate AI in Insurance
• Questions about the future of your agency?
• Opposition Mounts to Pending .ORG Sale
• NY Warns Iran May Cyberattack
• PIA National Calls for Award Nominations
• PIA Webinar Spotlight
• Second Hottest Year on Record
• Latest from the PIA Advocacy blog
• Market Access and Comparative Raters for PIA Members
• NIPR Unveils New Website
• Hemp Will Qualify for New Crop Insurance Pilot
• Separate Invoices for Abortion Coverage Begin in June
• Roadmap to Independence Conference for Nationwide Agents Transitioning to Independent Agents
• Registration Now Open for PIA Advocacy Day
• PIA Webinar Spotlight
• Latest from the PIA Advocacy blog
• CA DOI May Issue Licenses to Agents with Marijuana Convictions
• Aon: $3 Trillion in Disaster Losses in Last Decade
• A New Decade Brings New Cyber Risks
• ASAE, Nonprofits Oppose Sale of .ORG
• Creating a Sales Culture: Coaching CSRs to Sell
• Ivans: Rates Increased in December
• P/C Insurers Boost Profit, Surplus
• Make a PIA National Award Nomination!
• The Power of PIA Advocacy
• Latest from the PIA Advocacy blog
• Effort Underway to Create an Insurance Museum
• PA Court Orders LTC Insurer into Rehabilitation
• Insurtech Funding Hits Record for Quarter, Year
• Make a PIA National Award Nomination!
• Many Coverage Exclusions with Coronavirus
• Preparations Underway for PIA Advocacy Day
• PIA, Nationwide Insurance Agents Association Join Forces
• Bill Would Make Florida Insurance Commissioner Elective
• Florida House Passes Bill Banning Insurers From Using Genetic Info
• Latest from the PIA Advocacy blog
• Netherlands: Zero Flood Deaths Since 1953
• FEMA Seeks 3rd NFIP Cat Bond
• Bill Would Make Florida Insurance Commissioner Elective
• Florida Has $2 Billion in Unclaimed Property
• Ransomware Payments Doubled in Q4 2019
• Join Your Fellow PIA Members for PIA Advocacy Day!
• Make a PIA National Award Nomination!
• Insurers in the Spotlight Over Coronavirus
• What Would Happen to Your Agency If Something Happened to You?
• Latest from the PIA Advocacy blog
• Flood Resources for PIA Members
• Register for PIA Advocacy Day!
• Conference for Nationwide Agents Getting Underway
• PIA Partnership Holds Meeting
• Deadline for PIA National Awards Extended
• NAIC Approves Annuity Suitability Model
• PIA Opposes Proposed Crop Insurance Cuts
• Latest from the PIA Advocacy blog
• Preparations Underway for PIA Advocacy Day!
• PIA Webinar Spotlight
• Are You Going to Undervalue Your Agency?
• Florida’s Private Flood Insurance Market is Growing
• March is Flood Awareness Month
• February Is Insurance Careers Month
• Businesses Feel Impact of Coronavirus
• PIA Welcomes Nationwide Agents as New PIA Members
• NU Property & Casualty, PIA Partner for 4th Annual Agent Survey
• PIA Webinar Spotlight
• Latest from the PIA Advocacy blog
• The Time to Create Your Agency Perpetuation Plan Is Now!
• FEMA Launches “Resolve to be Ready” Campaign
• NAIC Has Coronavirus Resource Center
• Ohio Announces 13% Comp Rate Reduction
• New Crop Hurricane Endorsement Issued
• Insurers Could Lose Billions If Coronavirus Leads to Cancellation of Olympics
• Coronavirus to Hit Insurer Investments
• Coronavirus (COVID-19) Outbreak
• Your AMS system has been compromised! Who is responsible for what?
• PIA Webinar Spotlight
• Latest from the PIA Advocacy blog
• Agency Hiring Program to Launch March 18: Sign Up for a Launch Day Webinar
• Global Insurance Outlook: Q1 2020
• States Act to Remove Barriers to Virus Testing
• CDC to Older Adults: “Stay at home as much as possible”
• Stalwart PIA Leader Ron Von Haden Dies
• Coronavirus Business Interruption and Worker Compensation
• Coronavirus Steps for an Agency
• OSHA Reminds Employers COVID-19 Is a Recordable Illness
• New FC&S Podcast Examines COVID-19 Insurance Issues
• Instant Insights/The coronavirus and its impact
• NAIC Cancels In-Person Spring Meeting
• FL Agency Reps Cleared to Work Remote
• SBA Offers Loans to Small Businesses Suffering Effects of Coronavirus Crisis
• Number of Millionaires Declines in 2020
• Nine States Reopen ACA Enrollment
• ACORD License Agreements for PIA Members
• NAIC Insurance Brief: COVID-19 and Insurance
• SBA Offers Loans to Small Businesses Suffering Effects of Coronavirus Crisis
• IRS: Tax Relief for Small Businesses Under New Law
• PIA National Postpones Spring Meetings
• COVID-19 Insurance Resources via PIA
• PIA Statement on Senate Passage of COVID-19 Relief Bill
• Guide to New Paycheck Protection Loan Program
• COVID-19 Resources From PIA National
• Flooding, Hurricane Seasons Coming
• Working Remotely? Make Sure You Have Cyber Coverage in Place
• States Address COVID-19 Coverage Issues
• PIA Member Benefits During Coronavirus: PIA DMV: PIA's Direct Marketing Vault
• NC Commissioner Issues Payment Deferral
• CA Calls for Extension of Policyholder Deadlines
• Allstate to Return $600M in Premiums to Customers
• Travelers Speeds Up Commissions During Pandemic
• PIA Guide to New Paycheck Protection Loan Program
• VIDEO: Workers Comp and COVID-19
• VIDEO: PIA National Officers Discuss COVID-19 Issues
• 2020 Agent Survey: How Technology Drives Competition
• Watch Out For Coronavirus Scams!
• Latest from the PIA Advocacy Blog
• PIA Member Benefits During Coronavirus: The PIA DMV: PIA's Direct Marketing Vault
• PIA Member Benefits During Coronavirus: Cyber 101
• The Hartford Is Moving to Torrent Technologies on May 1
• CA Officials Revise Plans to Cope With Multiple Disasters
• OSHA Backtracks on Recordability of COVID-19
• Auto Insurers to Return $10 Billion to Customers
• Officials Fear Double Disaster -- Coronavirus Plus Hurricanes
• Remotely-Proctored Exams Option Available to NE Producer Candidates
• Latest from the PIA Advocacy Blog
• PIA Members Receive Preferred Commission Rates With The Hartford
• PIA Member Benefits During Coronavirus: Winning@Talent
• PIA Webinar Spotlight
• SD Implements Temporary Producer Licenses
• Wimbledon, British Open Had Pandemic Insurance
• Insurers Brace for Earnings Stress
• States Extend ACA Special Enrollment
• Where We Stand
• PIA National Opposes BI Bills, Supports Recovery Fund
• Senate Passes More Funding for CARES Act
• Latest from the PIA Advocacy Blog
• PIA Webinar Spotlight
• How to Communicate, Engage and Stay Connected in a Remote Environment
• PIA Member Benefits During Coronavirus
• Flooding Will Double Worldwide by 2030
• Consolidate Your Flood Book With The Hartford
• Early Forecasts Call for Busy Hurricane Season
• PIA Urges Funding for Flood Mapping Program
• Supreme Court Rules for Insurers in $12 Billion ACA Case
• Lloyd’s Chief Warns Insurers Face Biggest Ever Losses
• Aon: No Coronavirus Layoffs
• IRS: No Double Tax Benefits From PPP Loans
• I.I.I.: Auto Premium Relief to Top $10.5 Billion
• MD Consumer Alert: Beware COVID-19 Scams
• Latest from the PIA Advocacy Blog
• The Hanover’s Cyber Risk Report
• Diversity in the Workplace
• Insurance Sidesteps Most COVID Job Losses
• PIA Members: Use PIA’s Design & Print Services & Receive $250 From PIA
• Special Webinar Announcement: E&O Considerations Arising From the Coronavirus
• E&O Loss Control Tips
• GEICO Denies COVID-19 Credit to Policyholders Who Don’t Renew: Consumer Group:
• FBI Warns of ‘Money Mule’ Scams Tied to COVID-19
• More Warnings Against Coronavirus Scams
• Latest From the PIA Advocacy Blog
• PIA Webinar Spotlight
• PIA Webinar Spotlight
• Insurers, AGs Say Uphold the ACA
• Latest from the PIA Advocacy Blog
• PIA Program: Flood Insurance Marketing Support Center
• PIA Program: Flood Insurance Through The Hartford
• PIA Member Benefits During Coronavirus
• PPP Loan Forgiveness Application Released
• National Flood Conference: Free, Virtual & CE
• Pandemic-Themed Social Media Graphics for PIA Members
• Denise Shelton Named 2020 PIA National CSR of the Year
• Ryan Kelly Named 2020 PIA National YIP of the Year
• PIA National Names Andrew Harris, Jr. 2020 Agent of the Year
• Tropical Storm Arthur Season’s First Storm
• AM Best Stress Test: Most Companies Can Withstand Pandemic
• Latest from the PIA Advocacy Blog
• PIA Webinar Spotlight
• Four Reasons You Need Renter’s Insurance
• The New Hartford Flood Online is Now Live!
• PIA Program: Cyber 101
• PIA Program: PIA Cyber Insurance Program
• ACA Insurers Stand to Gain As Jobless Seek Coverage
• VIDEO: Disasters Don’t Stop for COVID-19
• NOAA Predicts 19 Named Storms for 2020 Hurricane Season
• PRIA Bill Has Good Provisions, But It’s Not There Yet
• Market Your Way Out of Quarantine
• PIA Webinar Spotlight
• Latest from the PIA Advocacy Blog
• Defining the New Norm
• Nearly Half Of Americans Delayed Care Due to Pandemic
• Costliest Floods of the Last 40 Years
• Insurance Commissioners Issue BI Bulletins
• Bankruptcies Spike in May
• It’s the Start of Hurricane Season: Do You Have Flood Insurance?
• Civil Disorders and Insurance
• Latest from the PIA Advocacy Blog
• A “Very Dangerous Period” for Litigation
• Don’t Miss Out! Use PIA’s Design & Print Services & Receive $250 From PIA
• Can You Get a Life Insurance Policy During COVID-19?
• PIA Webinar: Learn More About the PIA/Hartford Flood Program
• As Hurricane Season Starts, Most Not Prepared for Floods
• Protests Could Jeopardize Coronavirus Reopenings
• Introducing IdealTraits, PIA Members' NEW Agency Hiring Tool
• Broker Seeks Dismissal of COVID-19 BI Lawsuit
• U.S. Senate Passes PPP Flexibility Act
• PIA Statement
• Latest from the PIA Advocacy Blog
• PIA Webinar Spotlight
• SBA Covers Some Loan Payments for 6 Months
• PIA Member Benefits: IdealTraits Hiring Tool
• Vertafore: Technology Can Keep Agencies Moving Forward
• Study: Millions Face Double Jeopardy from COVID-19
• NAIC, NAMIC Convert Meetings to Virtual Only
• See Other PIA Members’ Postcards and Digital Ads
• Commercial Prices Up in May - IVANS
• PIA Publishes Analysis of Changes to PPP
• States Issue Guidance on Civil Unrest Claims
• Latest from the PIA Advocacy Blog
• Learn More About the PIA/Hartford Flood Program
• Learn More About the IdealTraits Hiring Tool
• Lloyd’s of London to Pay for its ‘Shameful’ Sins in Atlantic Slave Trade
• SUVs More Deadly to Pedestrians Than Cars
• NAIC: Not All Health Plans Offer the Same Coverage or Consumer Protections
• Restaurants, Delivery Drivers Should Check Coverage
• Time Is Running Out to Apply for PPP Loans—Deadline June 30
• Moody’s: Reinsurers’ Q1 Results Weak
• PIA Member Reimbursement Program Expands
• PODCAST: The 2020 ALM/PIA Agent Survey
• Latest from the PIA Advocacy Blog
• InsurTech May Offer Insurers a Route Out of Pandemic
• The Time to Create Your Agency Perpetuation Plan is Now!
• NCCI Traces Rise in Accidents to Smartphone Use
• NAIC Releases First Report on COVID-19 and State Insurance Regulation
• Introducing IdealTraits, PIA Members' NEW Agency Hiring Tool
• NAIC Sets Special Session on Race and Diversity
• USDA Offers Producers New Crop Hurricane Endorsement
• New Flood Risk Database for Homeowners
• PIA Contest: Design an Agency Marketing Postcard
• Amid Coverage Losses, ACA Enrollments Soar
• Busy July Ahead for Potential Coronavirus Legislation
• Senate, House Pass PPP Deadline Extension
• Latest from the PIA Advocacy Blog
• Hire Better With Winning@Talent
• PIA Member Benefits: IdealTraits Hiring Tool
• Car Crashes Deadlier During Lockdowns
• Your Marketing Idea Could Be Worth $250
• In memoriam: PIANY President-elect Anthony Kammas
• Florida Expands Consumer Protections Against Genetic Testing
• NAIC Group Adopts AI Principles
• Losses From Civil Unrest to be an Issue at Renewals
• Two PIA Member Reimbursements Now Available
• DOL: Industry Registers Job Gains, But That Could Change
• PIA National Opposes the Business Interruption Relief Act
• Latest from the PIA Advocacy Blog
• Insurance CEO & Author, Jack Bogardus, Dies
• Lloyds Exits Three U.S. Admitted Markets
• PIA Members, Design an Agency Marketing Postcard and Win!
• W/C Could See 20 Percent Drop in New Injury Claims
• Data Gaps Hamper Fight Against Pandemic
• Allstate to Buy National General, Expanding IA Business
• PIA Seeks to Simplify PPP Loan Forgiveness Process
• PIA National Announces Call for Fall 2020 Award Nominations
• Small Business Comeback Act Introduced
• Agencies, Brokerages Top PPP Recipients
• PIA National Call for Fall 2020 Award Nominations
• Life Locator Finds Millions in Delaware
• Life Insurers Ended 2019 with $4.6 Trillion
• Economic Recovery Depends on Reducing Virus
• PIA Member Benefit: Market Access and Comparative Raters
• Wisconsin Sues Over Rule Allowing Healthcare Discrimination
• Share Your Agency Marketing Ideas With PIA Members
• Latest from the PIA Advocacy Blog
• Google Extends Remote Work Policy to July 2021
• Amazon Now Selling Auto Insurance in India
• Prevent Security Threats with PIA Cyber Insurance
• Live PIA Member Webinar! Learn More About PIA/Hartford Flood Program
• PIA Partnership Programs Now Qualify for PIA Member Reimbursements
• Some States Consider Requiring Police to Carry Liability Insurance
• Who Will Be the Next Generation of Black Agency Owners?
• Claims Decline As Insureds Stay Home
• Be Prepared for Hurricanes
• NAIC Will Scrutinize Practices for Racial Bias
• Latest from the PIA Advocacy Blog
• Latest from the PIA Advocacy Blog
• Dr. Fauci Says Eye Protection Can Help Prevent Spread of Coronavirus
• Flood Damage Can Erode Companies’ Long-Term Value
• Retain Your Best Employees with Winning@Talent, a PIA Partnership Program
• PIA Member Benefit: ACORD End User License
• Colorado Offers Online Insurance Licensing Exams
• NAIC: Credit-Based Insurance Score Is Not the Same As a Credit Score
• Home Insurance Literacy Survey 2020 Finds Big Gaps
• P&C Surplus Fell in Q1 2020
• PIA Urges Reforms in Next Coronavirus Package
• PIA National Calls for Fall Award Nominations
• U.S. Economy Contracts at Record Rate in 2nd Quarter
• Ivans: Commercial Insurance Rates Keep Rising
• Advertising Made Easy with the PIA DMV
• Earthquake Insurance a Good Idea Even in North Carolina
• Access Cyber 101: Free Educational Resources Available
• Statewide Campaign Urges People to Get Flood Insurance
• Will Naming Heatwaves Save Lives?
• Hurricane Isaias Insured Losses $4 Billion
• Insurance Industry Gains 4,700 Jobs in July
• Deadline Approaches for PIA Award Nominations
• Latest from the PIA Advocacy Blog
• Texas Commissioner Sullivan Resigns
• Latest from the PIA Advocacy Blog
• Two September Webinars Focus on Hartford Flood System Training
• Commissioner Convinces Health Insurers to Drop Rate Increases
• Vertafore to be Acquired By Roper Technologies
• There’s Still Time to Submit a PIA National Award Nomination
• Hurricane Forecast Revised Again, To “Extremely Active”
• NAIC Begins Look at Race and Insurance
• Congressional COVID Package Still Elusive
• Gulf Coast Gets One-Two Tropical Storm Punch
• NAIC Adopts AI Principles
• Ben Nelson: Be Wary of Placing Undue Burdens on Insurance Sector in Virus Era
• PIA Member Webinars: Hartford Flood System Training for PIA Members
• Interoffice Dynamics: Sales vs. Service
• Hurricane Go-Bags During Covid
• Get $250 Back by Launching a PIA DMV Marketing Campaign!
• Latest from the PIA Advocacy Blog
• Deadline Extended to Sept. 1 for PIA National Award Nominations
• Insurer Digital Interactions Double Since 2015: ACORD
• Realtor.com Now Lists Flood Scores for Properties
• Hurricane Laura Storm Surge Less Than Forecast
• Moody’s: CA Wildfires Will Cost Billions
• P/C Insurers Report Sharp Decline in First-half Net Income: A.M. Best
• How eForms Wizard is Helping Agents Address Remote Work Challenges
• Questions About the Future of Your Agency? PIA Has Answers
• Sell PIA Cyber Insurance
• Virus Deaths Near 180,000; Cases Poised to Top 6 Million
• Latest from the PIA Advocacy Blog
• Latest from the PIA Advocacy Blog
• Lara Urges Companies to Cover Extended ALE
• How to Quickly Identify and Avoid Hiring Sales Phonies
• Round Your Book. Improve Retention. Increase Revenue.
• Learn More About The Hartford Flood Online Platform
• DE to Get Lower ACA Rates, Rebates
• Most Commercial Lines See Rate Hikes in August: IVANS
• Insurance Industry Gains Jobs in August
• Launch Your PIA DMV Marketing Campaign and Get $250 Back!
• Insurers Say They Were Slow to Adopt Digital
• Insurance Lawsuits On the Rise
• NAIC Hires First Diversity, Equity and Inclusion Director
• Insurers Issue Non-Renewals in Wake of Wildfires
• Flood Insurance Down in Corpus Christi
• Agent Concerns Regarding Website ADA Compliance
• NJ Announces Remote Exams for Insurance Producer Licensing
• How eForms Wizard is Helping Agents Address Remote Work Challenges
• Sell PIA Cyber Insurance to Your Clients!
• Learn More About The Hartford Flood Online Platform
• Latest from the PIA Advocacy Blog
• Latest from the PIA Advocacy Blog
• PIA Webinar Spotlight
• PIA National YIP of the Year Profiled in Rough Notes
• NAIC Fall National Meeting to be Virtual Format
• Combine Existing Business With PIA Market Access
• Businesses Urge U.S. Insurers to Ditch Fossil Fuel Underwriting
• Avoid Costly Setbacks: Insurance and Disaster Preparedness
• Storm Landfalls This Year One Short of 1916 Record
• Launch Your PIA DMV Marketing Campaign and Get $250 Back!
• Middle Market Business Owners Rely on their Insurance Agents
• FEMA Slammed Over Repeatedly Flooded Homes
• PIA to Congress: Streamline PPP Loan Forgiveness Process
• Personal Protective Equipment Now Available Through PIA
• PIA Praises Senate Passage of CR Extending NFIP to Sept. 30, 2021
• New PIA National Officers Installed
• AXA Survey Rates Pandemics As #1 Business Threat
• PIA Praises One-Year Extension of NFIP
• PIA National Files Comments on Interim Final Rule on Appeals of SBA Loan Review Decisions Under PPP
• Personal Protective Equipment Now Available Through PIA
• Steps to Mitigate Risk From Wildfires
• “Take Home” Lawsuits Over COVID a Threat to Businesses
• Door-to-Door Insurance Scams On the Rise
• PIA Members Receive Preferred Commission Rates With The Hartford
• PIA Webinar Spotlight
• Latest from the PIA Advocacy Blog
• Former Washington State PIA President Dies Age 99
• Latest from the PIA Advocacy Blog
• PIA Webinar Spotlight
• Research: Middle Market Business Owners Rely on their Insurance Agents
• Private Flood Insurance Law Signed in South Carolina
• Personal Protective Equipment Now Available Through PIA
• Alabama Leads With Hurricane-Resistant Building Codes
• The New World of No-Contact Disaster Claims
• Entire Neighborhood to Move, As Residents Flee Floods
• Courts Siding With Insurers Over BI Claims
• Introducing Ready For Everything: A Crisis Resource Hub for Insurance Agents
• Latest From the PIA Advocacy Blog
• Personal Protective Equipment Now Available Through PIA
• RMS: Hurricane Delta Losses Could Reach $4 Billion
• Courts Siding With Insurers Over BI Claims
• MarketScout: Q3 Commercial Rates Up Across the Board
• Control Your Agency’s Future with Agency Journey Mapping
• Coronavirus Patients Battle Surprise Bills
• After the Storm: Tips to Avoid Contractor Fraud
• Communicate with Insurance Clients and Employees During Emergencies with Ready for Everything
• People Should Not Try to Ride Out a Hurricane
• Iowa Derecho Could Cost $5 Billion in Insured Losses
• Latest From the PIA Advocacy Blog
• IVANS: Commercial Renewal Rates Continue Increase
• Majority of Americans Worry About Surprise Medical Bills
• How to Create a Successful Work from Home Environment
• Wayne White on the Pandemic Risk Insurance Act (PRIA)
• North Carolina Restaurants Win Court Ruling on COVID BI
• PIA Webinar Spotlight
• How Ready Are You? Plan for the Unexpected with Agency Journey Mapping
• Latest From the PIA Advocacy Blog
• PIA Webinar Spotlight
• Hire Better With Winning@Talent, a PIA Partnership Program
• Hurricane Zeta May Cost Insurers $4.3 Billion
• Digital Claims Way Up Amid Pandemic
• InsurTech Funding Hits $2.5 Billion in Q3
• NAIC Releases Update on Pandemic and Insurance Industry
• Q3 Cat Losses Exceed $1 Billion
• Latest From the PIA Advocacy Blog
• PIA Webinar Spotlight
• Receive up to $250 back
• Access PIA’s Agency Journey Mapping Program Today!
• Supreme Court Hears ACA Challenge
• Insurance Commissioner Election Results
• Introducing Ready For Everything: A Crisis Resource Hub for Insurance Agents
• Industry Employment Up in October
• Agents and the ‘New Normal’
• PIA Reaffirms Insurance Agenda Post-election
• U.S. Sets Another Grim Coronavirus Record
• PIA Webinar Spotlight
• Latest From the PIA Advocacy Blog
• Maine Wedding Outbreak Offers a Cautionary COVID-19 Tale for the Holidays
• AVYST Customer Spotlight
• Insurance Claims Top $1.6 Billion in August Iowa Derecho
• Enhance Your Business Mailers with Informed Delivery
• Diversity in Insurance Industry Grows Slowly
• Biden Grants Waivers to Lobbyists on Transition Team
• Supreme Court Appears Wary of Striking Down ACA
• Cincinnati Insurance Appeals N.C. COVID BI Ruling
• Latest From the PIA Advocacy Blog
• GM to Offer Auto Insurance Through OnStar
• Enhance Your Business Mailers with Informed Delivery
• Control Your Agency’s Future with Agency Journey Mapping
• Save Time! Online Self-Serve Endorsements
• Moody’s: Pandemic, Cat Losses Push Up Commercial Prices
• 2020 Hurricane Season Busiest Ever
• CDC Pleads With Americans to Stay Home on Thanksgiving
• PIA, Allies Call for Congressional Action on PPP Loan Forgiveness
• PIA Urges Public-Private Partnership to Protect Small Businesses Against Future Pandemics