A Quick Study Of Employment Practices Liability Insurance

Employment practices liability insurance is to provide protection for an employer arising from a legal exposure that has been created by a myriad of state and federal statutes. It is unfortunately true that those companies that are the least likely to be able to purchase this coverage are the ones that are the most likely to need it; that is small businesses.
Employment practices liability insurance is written on a claims-made basis. This means that a claim must be made during the current policy period. To preserve coverage an employer must report any circumstances of which they become aware that could turn into a claim. This needs to be done prior to the policy expiration date. This type of coverage can get very complicated. If an insurance company becomes aware that an employer knew of a situation prior to the inception date of a policy and did not disclose this knowledge when submitting the application for coverage could cause any claims resulting from this situation denied.
Every state has an agency that is responsible for overseeing all initial employment related complaints brought under that state’s laws. It is this agency that is supposed to investigate the claim but unfortunately is probably overburdened. Their response is to issue a right-to-sue letter to the claimant which opens the door for a lawsuit and a claim. Click here to learn more.

Insurance Services For Public Schools

If you are in the market for public school insurance in Indiana you may be looking for an insurance policy that will protect you and your staff. You are also likely looking for a public school insurance policy that will cover your students from risk that you cannot foresee right now. Educational Institutions are unique in many ways and therefore have their own unique needs when it comes to insurance coverage. It is important that you find a policy that covers your specific needs.
There are various types of educational institutions that may need insurance including public schools, private and charter schools and so forth. Each is unique in small ways, but each is also similar in the insurance needs they have. You will want to find a good agent that can help you with your policy and with finding a highly qualified and reputable insurance company who will be backing your policy and covering you in the event you have any sort of a claim. It is important to make sure the company who writes your policy has been around for a while and has a good track record of keeping their clients happy. If this is not the case, you will want to look elsewhere.
When it comes to public school insurance in Indiana, many insurance companies will tailor a program to fit your unique situation. This way you can choose the types of coverage you want or need and not have to pay for things you don’t need. Click here for more information.


Cooling Off in Bethesda Fountain

Dear Diary:

Dad had a thing for Bethesda Fountain. Mom loved any reason for getting out of our tiny apartment on East 83rd Street. Our countless adventures in Central Park always included a pass through the plaza and a stroll down Poet’s Walk.

Fifty-one years ago, August 1961, Dad; Mom; my brother, Rory, 5; and I, 7, death-marched through Central Park on a miserable 100 degree day. Fed up with the heat, Rory and I tortured our parents into letting us swim in Bethesda Fountain. They gave in, sick of our whining. We stripped down to our briefs and vaulted over the stone into the water.

The swim lasted a long time. There was a patrolman watching us, and he left us alone. Then his sergeant came by, and the patrolman had to be a cop again. “O.K. kids, get out of there, and stay out,” he said with a grin facing away from his boss. Thanks to Dad’s Yashica 44 camera, here are photos. As we swung our soaked bodies out of the fountain, Bobby Lewis was singing “Tossin’ & Turnin’” on someone’s transistor radio.

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Park Avenue Site Has Architects Competing to Make It Shine

The developer David W. Levinson could have set for himself the simple task of commissioning a better-designed tower for 425 Park Avenue than the one that’s been there since 1957.

Building Blocks

How the city looks and feels — and why it got that way.

But that would have been a very low bar.

Most anything would be an aesthetic improvement over the current 425 Park — a bulky, 31-story wedding cake of a structure designed more by zoning rules than by architects (though Kahn & Jacobs received the nominal credit). Its facade seems to suggest that the developers wanted to create a steel-clad look on a white-brick pocketbook.

In 2015, when his L&L Holding Company is expected to gain control of the site, Mr. Levinson intends to construct an office building for tenants willing to pay a premium for a high-profile design at a conspicuous location, between East 55th and 56th Streets.

He has engaged four of the world’s leading architects to compete for the job: Norman Foster of Foster & Partners, Zaha Hadid of Zaha Hadid Architects, Rem Koolhaas of OMA, and Richard Rogers of Rogers Stirk Harbour & Partners.

“We wanted the broadest view,” Mr. Levinson said. “It was important to select four architects that were very different.” Three of the firms confirmed their participation in the 425 Park Avenue exercise. Ms. Hadid’s office said that as a matter of policy, it did not comment on projects it had not been awarded.

The four firms began to make their presentations privately on Tuesday and will complete them on Wednesday.

“We’ll see their designs, sort through that over the summer and make some decisions,” Mr. Levinson said in an interview last month. By “we,” he includes an advisory committee headed by Vishaan Chakrabarti, the director of the Center for Urban Real Estate at Columbia University. Mr. Levinson intends to unveil the competing visions publicly, he said, though there will be no popular referendum.

“It is a decision that is solely within our discretion,” Mr. Levinson said, “but we do intend to share it.”

Mr. Levinson said he expected to make a selection by fall. Demolition and construction will not begin until 2015. L&L Holding Company now holds a “sandwich” position between the original developer of 425 Park Avenue and the owner of the land on which it stands, the Teachers Insurance and Annuity Association-College Retirement Equities Fund. Three years from now, the original land lease will expire and L&L Holding will become the leaseholder on the site until well into the 2080s.

The office leases will also expire in 2015, bringing to an end what must be one of the longer running commercial tenancies in the city. The law firm of Kaye Scholer has been at 425 Park for 55 years. At one time or another, the building also served as headquarters for or principal office of Nabisco, I.B.M., the American Federation of Musicians, the industrial design firm Raymond Loewy Associates and the architectural firm Skidmore, Owings & Merrill.

Not all of the structure will be torn down. It happens that 425 Park Avenue, with 620,000 gross square feet of space, has 18 times as much floor area as its lot size. Zoning rules issued since it was built would limit a new structure on the site to a floor-area ratio of 15-to-1, meaning that if Mr. Levinson were to start from scratch, he could not construct a building as large. But it turns out, he said, zoning rules will permit him to retain the 18-to-1 ratio if he preserves at least 25 percent of the existing structure. The other 75 percent can be entirely new.

A spokeswoman for the City Planning Department confirmed his characterization of the rules.

There is a further chance that the Planning Commission will raise the floor-area ratio for some prospective development sites in east Midtown to 18, as a matter of right. A presentation of planners’ strategy is to be made Wednesday to Community Board 5.

Mr. Levinson said he had asked each of the competing architects to prepare designs for towers that could be built under the current regimen and with a higher density.

He also warned them, in a prospectus, not to let their “starchitect” status interfere with sensible financial judgment. “While the client team is open-minded about material and aesthetic expression,” the prospectus said, “a restrained elegance has often proven to be more successful for this building type than irrational exuberance.”

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John Nichols sues the Coastal Zone Industrial Control Board

John Nichols, the plaintiff involved in the suit against Governor Markell and five members of the Public Service Commission, has filed a suit in New Castle County Superior Court against the Coastal Zone Industrial Control Board (CZICB). This is in direct challenge to the CZICB’s rejection of John’s allowance for standing in the case. The board ruled 4-3 around 10:30 AM on June 13th that John had standing, but at 4 pm on the same day voted 5-0 with 2 abstentions to say John didn’t have standing after all. The debate centers on whether John can be considered an “aggrieved” person since Bloom’s “energy servers” have not actually been built yet. John’s argument is that since these boxes, based on studies and evidence presented at the hearing, WOULD harm the environment and Delmarva Power ratepayers, he will be directly harmed by the CZICB’s decision to deny him standing. If the Superior Court finds in John’s favor, the CZICB would be required to go back and review the case based on the science of the “energy servers”, and John would be considered to be an aggrieved individual in this case.

A copy of the complaint:





V. CA. N0. N12A-07-







Appellant John A. Nichols (“Niohols”) hereby takes appeal pursuant to  Del. C. § 7008

and Superior Court Civil Rule 72 from the decision announced by the State Coastal Zone

Industrial Control Board (“B0ard”) on Wednesday, June 13, 2012 which denied him standing to

pursue an appeal of the grant of a permit application to Diamond State Generation Partners, LLC

by the Delaware Department of Natural Resources And Environmental Control on the grounds

that the evidence in the record established Nichols possessed standing under the broad “any

aggrieved person” statutory scope of 7 Def. C. § 7007(b).


Attorneys for Appellant John A. Nichols
Dated: July 2, 2012

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