A Word From Our Sponsor On The Special Extensions That Can Be Added On To A Builder’s Risk Insurance New York Policy

There are very specific things that a builder’s risk insurance New York policy covers, depending on the company it is purchased from. There are also very specific things that policy will not cover. If the construction project you are insuring has unusual requirements, you may want to purchase coverage extensions. As always, it is important to do research and talk to your insurance agent about the type of coverage you need and what specifically the policy will protect.
Some typical coverage extensions include:
Debris removal. This covers the cost of having debris removed from your property, especially after a covered loss.
Scaffolds. This extension would cover scaffolding as well as other temporary building structures while they are in place on your construction site.
Sewer backup. Since water damage is typically excluded from a builder’s risk insurance New York policy, this would allow for extra coverage from sewer backup, which could be a very costly repair if it should happen.
Fire department service. Since in some cases, property tax has not yet been assessed on the property under construction, the local fire department may charge extra to come put out a fire on the property. This addition to your policy would cover the cost of the firemen and their equipment.
Valuable papers. This extension covers loss of blueprints, licenses, plans, etc. and could be worthwhile if a fire or other disaster were to destroy all that paperwork.

A Word From Our Sponsor On Buying The Right Insurance For Delivery Programs

If you own a fast food delivery program, your insurance needs may not be the same as traditional commercial auto insurance needs. Here are some tips to get the right auto insurance policy that covers what you need at a price that fits your budget.

When you have hired drivers for a fast food delivery program, it is your responsibility to provide, or help your delivery drivers find, the right kind of auto insurance that protects both your vehicles and your drivers. If your employees operate their own vehicles to deliver your products, they may be required to carry additional coverage, and you can help them find a policy that works.

If you or your employees have personal insurance on a vehicle, some personal auto insurance companies do not provide the additional coverage necessary for delivery service vehicle use. If your current insurance company does not offer the additional coverage, they may be able to advise on what types of coverage you need and help you find a company that can provide a policy that will work for you.

When you shop for the policy, be sure to let the insurance carrier know how often the vehicles will be used for delivery and business purposes, approximately how many miles the cars will be driven, what time of day they will be used for business reasons, and geographically where your fast food delivery program operates.

You can shop around to find the best rates on commercial delivery auto insurance, and get the coverage that will protect your business in case of an accident, theft, or other unexpected event.

A Word From Our Sponsor On How Surety Bonds Differ From Liability Insurance

If you own or operate a contracting business, such as painting, plumbing, landscaping or construction, you may have heard some of your competitors say they are “bonded” and “insured”. If you are not sure what the difference is, this article will discuss some of the distinctions between New Jersey surety bonds and liability insurance.

Sometimes surety bonds are mistaken for being the same as liability insurance, however they are not the same thing. In the case of insurance, you pay a company a monthly premium to cover damages in the event of a disaster or a problem that occurs while you are working on a project.

New Jersey surety bonds are essentially a guarantee to your client that the job they hire you to do will get done. If anything happens in the middle of a job and you are unable to complete the project, the customer could take you to court. With a surety bond, the bond issuing company sets aside the amount of money that would be required to complete the job, so if the contractor walks away in the middle of a project for whatever reason, the client can use that bond money to have someone else finish the job. Not many companies will issue surety bonds to a contractor who makes a habit of walking out on projects, so having the surety bond is also a way to show your clients that you are reliable and will do the job they hire you to complete.

Having both liability insurance and New Jersey surety bonds is a great way to show your clients that there is very little risk in doing business with you. Being bonded and insured can be a mark of excellence for your business.

Next Up to Bat: A Whiff of the Yankees

It’s practically a Zen koan: what is the smell of 27 World Series championships?

The New York Yankees have answered that question with two new fragrances, a cologne for men and a perfume for women. The scents, created by Cloudbreak Group, a fragrance brand developer, are now available at Yankee Stadium and at retailers including Macy’s. The fragrances come in 1-, 1.7- and 3.4-ounce bottles. The 3.4-ounce bottle retails for $62.

The scents do not contain hints of Cracker Jack, pine tar or Big League Chew. Jennifer Mullarkey, vice president for fragrance and product development at Cloudbreak, developed the fragrances with Firmenich, a perfume supplier. Ms. Mullarkey wanted to “create something that exudes confidence, strength and classic timelessness.”

The cologne is a “fresh wood fragrance” that “really captures a fresh, clean element on top with citrus notes and aromatic notes,” Ms. Mullarkey said, “with woodiness, earthy patchouli and aromatic suede.” She called the perfume “a sparkling gourmand,” with floral notes and a flavorful muskiness.

Cloudbreak’s chief executive, Tom Butkiewicz, who came up with the idea for the fragrances, said of the Yankees: “They’re a prestige brand. They’re a brand that exudes class.” Another Cloudbreak official, Duncan Bird, the creative director, said the fragrances aimed to bottle “the unique sense of swagger that the Yankees have.”

The legendary Yankees closer Mariano Rivera and the center fielder Curtis Granderson have been appointed “ambassadors” for the cologne. They endorse it and Cloudbreak donates some proceeds to each man’s charitable foundation. The first event with Mr. Rivera will take place on Thursday at Macy’s.

Cloudbreak also makes Yankees-themed products like body wash and lotion.

While Mr. Butkiewicz said he was open to new ideas, he said Cloudbreak is not currently working on a fragrance for another team. “The Yankees are a unique team because of their global presence,” Mr. Butkiewicz said. “We need to do the homework to see what other teams can carry a prestige fragrance in baseball. There are probably other teams that could.”

He said a team’s brand would need global recognition, like the Dallas Cowboys or the Manchester United soccer team, to successfully carry a fragrance.

Mr. Butkiewicz said he did not think that Yankees players with their own scent endorsements, including team captain Derek Jeter, made the Yankees cologne redundant. “He’s selling his own fragrance; it’s him and his own fragrance. It’s not about the brand or the team; it’s about him,” Mr. Butkiewicz said. “The reason we love this brand is that it’s not going away. It’s strong, and it’s been around since 1903.”

All of which raises the question: what would a Mets perfume smell like?

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For David Paterson, Next Stop: M.T.A.

Over the years, the Metropolitan Transportation Authority board has had among its members its share of lawyers, failed mayoral candidates, union leaders — even the wife of a former Beatle.

So while it may be hard to top the star power of Nancy Shevell, who left the board this year after she married Paul McCartney, the board did make history on Monday by appointing a former governor as her replacement: David A. Paterson.

Gov. Andrew M. Cuomo announced on Monday that he appointed his predecessor to replace Ms. Shevell, an executive in the trucking industry. It was unclear when Mr. Paterson will join the board; his appointment, which was first reported by The Daily News, must still be confirmed by the State Senate.

The governor was asked at a news conference why he chose to “reward” Mr. Paterson with a position on the board. Mr. Cuomo emphasized that the position was unpaid, and in any case, Mr. Paterson had the expertise to be a “powerful advocate and informed voice.” Mr. Cuomo said that Mr. Paterson “understands how the Legislature works, he understands how budgets work, he understands the political process.”

The authority’s chairman, Joseph J. Lhota, also praised Mr. Paterson for his long career in politics, adding that he has known Mr. Paterson for 35 years.

“Former Governor Paterson will bring a unique and practical perspective, particularly with respect to issues affecting minority communities and disabled New Yorkers,” Mr. Lhota said. Mr. Paterson’s appointment was reported by The Daily News.

As governor, Mr. Paterson appointed Mr. Lhota’s predecessor, Jay H. Walder, and also oversaw the board for two fare increases. Transit advocates said they hoped that Mr. Paterson’s background could help him find alternatives to future fare increases.

“If anyone knows New Yorkers are tired of paying more for less and how to find fairer ways to invest in transit, it’s David Paterson,” Paul Steely White, executive director of the advocacy group Transportation Alternatives, said.

Thomas Kaplan contributed reporting.

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