9 Key Coverages in Business Insurance Paterson New Jersey Construction Trades

Business Insurance Paterson New JerseyYou have a lot on the line in the construction industry and you rely on your business insurance Paterson New Jersey agents to know all there is to know about risk management. With capital tied up in multiple major projects underway simultaneously, as well as a lot of workers who rely on the company for a paycheck and a safe working environment, and a large inventory of valuable equipment, from tools to vehicles, your investment in your company demands thorough knowledge of what can go wrong and how to be sure the problem doesn’t stop the project from proceeding to conclusion. The agency you choose for commercial liability coverage has to be as thorough and hardworking as your crew and has to know all that you need to know about your insurance on all levels.


Special Risks Demand Special Coverage


In the planning stages of the project, the individual insurance and bond needs for that particular endeavor must be reassessed and confirmed at an early stage. In the construction and development industry there are at least 9 specialized commercial insurance lines that can save a lot of stress when they are in place in your business:


1. Builders Risk

2. Business Automobile Policy

3. Equipment Failure Coverage

4. Business Interruption Plan

5. Business Owner Policy

6. Pollution Environmental Impact Insurance

7. Umbrella Policy

8. Surety Bonds

9. Workers Compensation Insurance


With the confidence of full protection behind you, your company is free to focus on its core mission and accomplish goals of creating a safe and secure worksite for your team to accomplish its critical construction work. There is no substitute for strong business insurance Paterson New Jersey agency relationship to cover your risk management needs.

Abuse of Power Lawsuit Filed Against DNREC: Agency’s new emission permit ‘fees’ violate state constitution

For Immediate Release


Samuel Friedman

Communications Director

Tel. 302-734-2700

E-mail: [email protected]


Abuse of Power Lawsuit Filed Against DNREC

Agency’s new emission permit ‘fees’ violate state constitution

            Dover- The Caesar Rodney Institute (CRI) announced today that David Stevenson, Director of the Center for Energy Competitiveness at CRI, is among four plaintiffs who filed a lawsuit this week against DNREC and DNREC Secretary Colin O’Mara.


The complaint asserts Secretary O’Mara has not been delegated the power to reduce the agency’s new carbon emissions goals, which is the basis for raising the carbon dioxide permit fees.  The plaintiffs also believe DNREC is violating the Delaware Constitution by issuing a regulation on carbon dioxide emission permit fees without the state legislature, as required in the state constitution. This new regulatory ruling will cost Delaware families and businesses over $50 million a year in fees collected through consumers’ electric bills.


“Multiple parties warned DNREC this decision was a potential violation of the Delaware Constitution in public comment sessions but the comments were ignored,” Stevenson explained. ” The state constitution specifically requires that all taxes and fees must be approved by a 3/5 majority in each legislative chamber.”


“One of the biggest debates in the legislature this year was over a tax increase,” Plaintiff and State Representative Harold “Jack” Peterman said. “Twenty-two legislators opposed an attempt by Delmarva Power to raise electric rates, and both issues involved less money than this. Twenty-five percent of the money collected must be spent on energy efficiency projects and on helping people pay their electric bills, according to a multi-state Memorandum of Understanding.  Unlike most state spending, the legislature has no say in how the money raised from this fee increase will be spent.”


The other plaintiffs are: Christian Hudson, of Hudson Management and Sam Yoder & Sons in Greenwood; and John Moore, CEO of Acorn Energy in Wilmington and a CRI board member.


“Businesses are already struggling with high electric bills; we don’t need to add to the problem and make Delaware less competitive”, Hudson said.


“The regulatory change DNREC is proposing doesn’t appear to be about the environment but rather about raising more state revenue”, Moore said.


The case will be heard by Judge Richard F. Stokes, Superior Court judge, in Georgetown.


read the full complaint: http://www.caesarrodney.org/pdfs/DNREC_Lawsuit.pdf




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Easy Ways a Dentist Can Avoid Malpractice Suits

Dentists Medical Liability InsuranceDental medical malpractice lawsuits are becoming more common and more expensive these days for dentists running their own practice. Accompanied with a good dentists medical liability insurance program, a dentist can also follow a few simple practices to help their customers find satisfaction in their service, and avoid being sued for dental malpractice.

Never Perform a Procedure you are Uncomfortable With

In your attempt to offer great service to your loyal customers and patients, it may be tempting at times to perform procedures that you are not quite comfortable with. If you are not completely confident in your ability to perform any kind of dental procedure, there is no shame in referring your patient to a more capable dentist or specialist in your area. By avoiding procedures you are not sure you can do perfectly, you can avoid causing dental injuries and medical malpractice.

Promptly Reply to Letters of Dental Inquiry

While many letters you receive from the Dental Board may be founded on false or weak claims, never assume the Dental Board will take care of the investigation on their own. It is important to send a prompt reply to any dental inquiries you might receive about dental injuries or complaints. This will protect you should your dentists medical liability insurance need to file a claim for a customer complaint of medical malpractice.

Speak with your dental liability provider for more helpful tips on avoiding malpractice suits in your own dental practice.