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As a building owner or landlord, your client never knows what to expect when it comes to their tenants. Regardless if your client did a background check, required a security deposit, or checked references etc. While everything looks good on paper, that doesn’t guarantee that they will keep up on payments or keep your clients building in the order they left it.

...Most modern factories and office buildings have steel frames, which means they...early every type of structure; some buildings will collapse, while others will...

... size of the project budget. Commercial contractors usually carry millions ...

Spring is a popular time for adding to your home in the form of remodeling or putting up an addition. If you are like many people, you hire someone to complete the job for you. For most people, it is easier and faster to interview and hire a contractor to do the work instead of trying to muddle through it yourself. Peace of Mind With the Professionals  One of the reasons for hiring a contractor to build that much-needed addition to your home or to remodel your outdated kitchen is to ensure that the job is done right the first time. Unless your career requires you to know the latest building codes, it is unrealistic to expect that you do so. Instead you rely on your contractor to know -- as well as follow -- the safety regulations put forth by your particular locality. The Responsibility is Yours Even though the contractor you hired is doing all the work, it is ultimately your responsibility for what occurs with your home. This is not to say that you are in this alone. Rather it is to caution you to be aware of the risks you face if your contractor does not follow the applicable codes when doing the work you authorized. This is one reason to use only those contractors who are licensed, bonded and insured. Protect Yourself  One way to protect yourself is to check for the necessity of permits before allowing the contractor to start working. Request to see the permits if the contractor obtains them for you. Speak with your insurance agent to determine if additional coverage for the work is needed as well.

Here are some featured markets we thought you might be interested in taking advantage of: Business Auto Monoline Insurance, Sports Insurance, Pawn Shop Insurance, Wind Deductible Buy Back Insurance, Professional Liability Insurance, Hard-to-Place Property Insurance, Fire Protection Insurance, Contractor's General Liability Insurance

Your last newsletter discussed the benefits of Building Ordinance insurance. If you're planning to build on your property or adding to an existing structure, a related policy - Builders Risk - can protect you from losses during construction, helping make sure that you finish the project. The amount of coverage should reflect the total value of the completed structure (including the costs of material and labor, but not the value of the land). In most cases, the construction budget will be the best source for calculating this amount. The policy is usually written for a period three months, six months, or 12 months. If needed, the term can be extended once. Builders Risk covers damage to the insured structure(s) from a wide variety of causes, ranging from natural disasters (wind, lightning, hail, and lightning) through accidental events (fire, explosion, or vehicle accidents) to human activities (such as theft and vandalism). Coverage usually also includes: Fire department service charges for saving or protecting property from a covered cause of loss. Removal of debris from property damaged by a covered loss. Losses from the backup of sewer and drains. Most policies exclude losses from earthquake, flooding employee theft, mechanical breakdown, contract penalties, war, government action, or faulty design and workmanship. You might be able to add coverage for some of these exclusions - such as earthquakes and flooding - if the building is in an area that's prone to one or both of these natural disasters. Bear in mind that this policy does not provide Liability coverage for accidents or injuries on your property. We'd be happy to tailor a comprehensive Builders Risk product that fits your needs - and budget. Just give us a call.

...ur work policies and procedures, buildings and equipment, employee work practi... of potential risk areas, including buildings and equipment, the environment, ...

Resumes, matched skills, hiring now, qualified candidate database. Employment Agencies have the skills and talent you need! Employment agencies not only build a long-term relationship between the candidate and the employer but they also build a long-term relationship between both the employer and candidate with themselves.

Studies have shown that most Americans spend more than 90% of their time indoors - an environment that's significantly more contaminated than the outdoors. Maintaining a pollutant-free indoor environment can help raise productivity, reduce potential legal liability for building owners and managers, and improve the health of workers. Fungi, a biological contaminant that flourishes in moist environments, can trigger a wide variety of health problems and complaints. The best way to curb fungal growth is to monitor and avoid water leaks, moisture migration through masonry walls, and condensation. (For example, high humidity levels might be due to running a chilled water air conditioning system at too high a temperature). To help manage the moisture and water infiltration that breeds fungi, experts recommend following these rules of thumb: If the fungal growth is on a hard surface, scrape it off as soon as possible. If the fungus is growing on a porous surface - such as plasterboard, carpet, or ceilings --have it removed carefully to prevent the uncontrolled release of fungal spores. (Removing or disturbing materials contaminated by fungi can increase airborne fungal levels by a factor of 10). Dispose of fungal-contaminated materials under controlled conditions to prevent contamination of clean areas and protect building occupants and the area from elevated exposures. Dry any porous materials where water infiltration has occurred within 24 hours. Increasing concern by the Occupational Safety and Health Administration and state health departments about exposure to fungal spores reinforces the need for keeping the spread of fungi under control. We'd be happy to offer our advice on helping keep your building fungus-free - and its occupants healthy.