Saturday, December 29, 2012

12 Days of Firewise - Don't allow decks or porches be fuel for a wildfire.



Firewise Northeast Regional Advisor Heidi Wagner cautions that decks and porches are part of your house. They can act as fuel bridges to a fire.

Wednesday, December 26, 2012

CalChamber News: Positive Changes for Employers on ADA in 2013



(December 20, 2012) California employers can expect some positive changes in 2013. The latest CalChamber News segment today highlights SB 1186, a bill designed to protect business owners from predatory or frivolous lawsuits under the Americans with Disability Act (ADA).

The law is the bipartisan product authored by Democrat Senate President Pro Tem Darrell Steinberg (Sacramento) and recently termed-out Republican Senator Bob Dutton (Rancho Cucamonga).
California has 40% of the nation's ADA lawsuits but only 12% of the country's disabled population. SB 1186 is much needed relief.

Previously, owners of restaurants like Sacramento's Squeeze Inn would receive so-called 'demand letters' from attorneys seeking money in exchange for not filing an access lawsuit. Those letters can no longer be used under the new law.

"This bill provides relief to business owners and commercial property owners who were prior victims and targeted for shakedown lawsuits," explains CalChamber Vice President of Legal Affairs and General Counsel Erika Frank. "The potential damages that could have been awarded have been reduced and the so-called demand-for-money letters that used to be sent are no longer allowed under the new law."

Sunday, December 23, 2012

CalChamber News Highlights New Employment Laws Having Impact on Californ...



(December 18, 2012) As the end of the year rapidly approaches, the California Chamber of Commerce is reminding businesses about impacts on employment practices from several new laws. Two such examples are covered in the latest installment of CalChamber News: AB 1844 dealing with employer access to personal social media accounts; and AB 2674, which makes significant changes to the inspection and retention of personnel records.

Friday, December 21, 2012

NFPA -- We develop the code. We know the code. We teach the code.



NFPA instructors are the best-of-the-best. The National Fire Protection Association represents over 70,000 active members involved in fire, building and life safety. Members of the NFPA technical committees share their expertise and contribute to the codes and standards process. And the best of those are tapped to teach. Bob Caputo is one of those instructors whose dedication and enthusiasm is clearly apparent in each of the over 1,000 training programs offered each year. For more information, go to http://www.nfpa.org/training

Tuesday, December 18, 2012

Saturday, December 15, 2012

Friday, December 14, 2012

Thursday, December 13, 2012

The 2013 New American Home: Phase 2


Construction on the 2013 New American Home moves into Phase 2 with the introduction of the rough trades and the installation of Sierra Pacific windows.

Tuesday, December 11, 2012

California's Low Cost Automobile Insurance Program


California Law requires that all drivers be insured. However, too many low-income drivers remain uninsured because the costs of standard insurance premiums are beyond their financial reach. The California Low Cost Automobile Insurance Program provides affordable liability only auto insurance that meets the state's financial responsibility laws. More information is available from www.mylowcostauto.com.

Sunday, December 9, 2012

Put a Freeze on Winter Fires


The United State Fire Administration and National Fire Protection Association are working together to remind everyone that home fires are more prevalent in winter than in any other season. This is due in part to an increase in cooking and heating fires. Holiday decorations and winter storms that can interrupt electrical service and cause people to turn to alternative heating sources also contribute to the increased risk of fire in winter. Winter fires can be prevented!

Learn more at http://www.nfpa.org/winter

Thursday, December 6, 2012

Firewise Regional Advisor Highlights Community Mitigation Projects



In this interview with NFPA's LisaMarie Sinatra, Faith Berry, Firewise Southwest 1 Regional Advisor, highlights a few of the (http://www.firewise.org) Firewise projects communities in California and Arizona are participating in.

Monday, December 3, 2012

Changes In California Construction Law

SB474 California Construction Law:
 
Expanding the Prohibition on “Type I” Indemnity Agreements.
 
As of January 1, 2013, "Type I" indemnity agreements will no longer be enforceable in most construction contracts. The new law, which will apply to contracts entered into on and after January 1, 2013, expands the class of indemnity provisions that are unenforceable under California law. It also imposes stricter limitations on the ability of developers and general contractors to require their subcontractors to cover litigation defense costs. The new law, which will apply to contracts entered into on and after January 1, 2013, expands the class of indemnity provisions that are unenforceable under California law. It also imposes stricter limitations on the ability of developers and general contractors to require their subcontractors to cover litigation defense costs.

Friday, November 30, 2012

NAHB International Builder Show


Coastal Industries featured in the 2012 NAHB IBS National Association of Home Building's International Builder Show. Tom Memory of Coastal Shower Doors speaks briefly about what the show is all about

Tuesday, November 27, 2012

Teen Drivers: Stay Safe Behind the Wheel


California Department of Insurance presents a video public service announcement for teen drivers.

Sunday, November 25, 2012

NAHB's International Builder's Show 2012


It's day three of NAHB's International Builders' Show, but there's still plenty to do! Follow Tracy Locke as she shows you the places to be and people to see. We hope you had fun with IBSTV and we'll see you in Las Vegas at IBS 2013. See more about this event at www.buildersshow.com

Thursday, November 22, 2012

Monday, November 19, 2012

We Serve Contractors In Every Trade

Thousands of contractors trust First Service for their insurance needs. We proudly serve contractors in every trade:

 

    • Air Conditioning
    • Cabinet Makers
    • Ceramic and Mosaic Tile
    • Commercial Builders
    • Concrete
    • Earthwork
    • Electrical
    • Electrical Sign
    • Excavating
    • Finish Carpentry
    • Fire Protection
    • Flooring
    • Framing
    • Landscaping
    • General Contracting
    • General Engineering
    • Glazing
    • Grading
    • Home Builders
    • HVAC
    • Lathing
    • Manufactured Homes
    • Masonry
    • Painting and Decorating
    • Paving
    • Pipeline
    • Plastering
    • Plumbing
    • Refrigeration
    • Reinforcing Steel
    • Residential Builders
    • Roofing
    • Sanitation System
    • Sheet Metal
    • Solar
    • Structural Steel
    • Swimming Pool
    • Tile
    • Welding

 

We have programs for all construction projects and contractor types.

 

Click “Get Quotes” below to get your quote, or call us at  800-591-9692 .

Friday, November 16, 2012

NFPA Journal - Proposed Changes to Series Fire Pumping Units



A number of important changes were considered for the 2013 edition of NFPA 20, Installation of Stationary Pumps for Fire Protection, but most of the discussion centered around a number of issues - including series fire pump units.

NFPA senior fire protection specialist Chad Duffy explains the engineering and safety issues around placing pumping units in series.

You can learn more about this topic online at http://www.nfpa.org/firepumps

Tuesday, November 13, 2012

Fire Power (Original)



NFPA® created the award winning video - Fire Power - which takes a firsthand look at the deadly dynamics of fire from ignition to full room involvement. At every twist and turn of the video, viewers get a bird's-eye view of fire's path of destruction and are astonished at how rapidly smoke and flames from a small fire envelop a home, making escape virtually impossible. This is a clip from the DVD...

Order your copy of this award-winning presentation today!:
online: http://www.nfpa.org/catalog/product.asp?pid=FL76VH&order_src=C117
or call: 800-344-3555 Toll Free

Saturday, November 10, 2012

The Surety Bond and Similar Bonds

A surety bond or surety is a promise to pay one party (the obligee) a certain amount if a second party (the principal) fails to meet some obligation, such as fulfilling the terms of a contract. The surety bond protects the obligee against losses resulting from the principal's failure to meet the obligation.

Overview
A surety bond is a contract among at least three parties:

  • The obligee - the party who is the recipient of an obligation, e.g., the client building an office building
  •  The principal - the primary party who will be performing the contractual obligation, e.g., the contractor building the office building
  • The surety - who assures the obligee that the principal can perform the task

European surety bonds are issued by banks and are called "Bank Guarantees" in English and "Caution" in French. They pay out cash to the limit of guarantee in the event of the default of the Principal to uphold his obligations to the Obligee, without reference by the Obligee to the Principal and against the Obligee's sole verified statement of claim to the bank.

Through a surety bond, the surety agrees to uphold — for the benefit of the obligee — the contractual promises (obligations) made by the principal if the principal fails to uphold its promises to the obligee. The contract is formed so as to induce the obligee to contract with the principal, i.e., to demonstrate the credibility of the principal and guarantee performance and completion per the terms of the agreement.

The principal will pay a premium (usually annually) in exchange for the bonding company's financial strength to extend surety credit. In the event of a claim, the surety will investigate it. If it turns out to be a valid claim, the surety will pay it and then turn to the principal for reimbursement of the amount paid on the claim and any legal fees incurred.

If the principal defaults and the surety turns out to be insolvent, the purpose of the bond is rendered nugatory. Thus, the surety on a bond is usually an insurance company whose solvency is verified by private audit, governmental regulation, or both.

A key term in nearly every surety bond is the penal sum. This is a specified amount of money which is the maximum amount that the surety will be required to pay in the event of the principal's default. This allows the surety to assess the risk involved in giving the bond; the premium charged is determined accordingly.

Surety bonds are also used in other situations, for example, to secure the proper performance of fiduciary duties by persons in positions of private or public trust.

Annual US surety bond premiums are approximately $3.5 billion. State insurance commissioners are responsible for regulating corporate surety activities within their jurisdictions. The commissioners also license and regulate brokers or agents who sell the bonds.

History
Individual Surety Bonds are the original form of suretyship. The earliest known record of a contract of suretyship is a Mesopotamian tablet written around 2750 BC. There is evidence of Individual Surety Bonds in the Code of Hammurabi and in Babylon, Persia, Assyria, Rome, Carthage, the ancient Hebrews and later England.

The Code of Hammurabi, written around 1790 BC, was the first time suretyship was addressed in a written legal code. It wasn't until 1840 that the first Corporate Surety was organized, The Guarantee Society of London.

In 1865, the Fidelity Insurance Company became the first US Corporate Surety company,[5] but the venture soon failed.

Contract Surety Bonds
Contract bonds, used heavily in the construction industry, are a guarantee from a Surety to a project's owner (Obligee) that a general contractor (Principal) will adhere to the provisions of a contract.
Included in this category are: bid bonds (guarantee that a contractor will enter into a contract if awarded the bid), performance bonds (guarantee that a contractor will perform the work as specified by the contract), payment bonds (guarantee that a contractor will pay for services and materials), and maintenance bonds (guarantee that a contractor will provide facility repair and upkeep for a specified period of time). There are also miscellaneous contract bonds that do not fall within the categories above, the most common of which are subdivision and supply bonds.

Commercial Surety Bonds
Commercial bonds represent the broad range of bond types that do not fit the classification of contract. They are generally divided into four sub-types: license and permit, court, public official, and miscellaneous.

License and Permit Bonds
License and permit bonds are required by certain federal, state, or municipal governments as prerequisites to receiving a license or permit to engage in certain business activities. These bonds function as a guarantee from a Surety to a government and its constituents (Obligee) that a company (Principal) will comply with an underlying statute, state law, municipal ordinance, or regulation.

Specific examples include:

  • Contractor’s license bonds, which assure that a contractor (such as a plumber, electrician, or general contractor) complies with local laws relating to his field.
  • Customs bonds, including importer entry bonds, which assure compliance with all relevant laws, as well as payment of import duties and taxes.
  • Tax bonds, which assure that a business owner will comply with laws relating to the remittance of sales or other taxes.
  • Reclamation and environmental protection bonds
  • Broker’s bonds, including Insurance, Mortgage, and Title Agency bonds
  • ERISA (Employee Retirement Income Security Act) bonds
  • Motor vehicle dealer bonds
  • Money transmitter bonds
  • Health spa bonds, which assure that a health spa will comply with local laws relating to their field, as well as refund dues for any prepaid services in the event the spa closes.

Source: Wikipedia: http://en.wikipedia.org/wiki/Surety_bond

Thursday, November 8, 2012

Real-World Solutions Provided at Green Truck Summit 2013



Industry-leading event returns as part of The Work Truck Show®

FARMINGTON HILLS, MI (Nov. 7, 2012) – Registration is now open for the work truck industry’s leading educational forum on clean vehicle technologies, the Green Truck Summit. The Green Truck Summit kicks off the extensive educational conference at The Work Truck Show® 2013 on March 5. The Summit gives fleet managers and other industry professionals practical ideas and real-world solutions for implementing new green practices.

The Green Truck Summit, presented by International Truck, is produced jointly by NTEA and CALSTART. It runs March 5−6, 2013. The Work Truck Show 2013 trade show floor is open March 6−8, with educational sessions starting March 5. The Green Truck Summit and The Work Truck Show are held at the Indiana Convention Center in Indianapolis, IN.

“This event has really grown over the last few years as people have seen the positive impact new clean technology can have on their operations,” says Doyle Sumrall, NTEA senior director of business development. “The Green Truck Summit is a can’t-miss event for forward-thinking fleet managers and anyone looking to gain a competitive advantage through green initiatives.”

Topics for the Green Truck Summit 2013 include clean technology and fuel trends, deployment strategies, viable alternative fuels and funding opportunities. The Summit’s slate of presenters includes a wide range of technical experts and industry leaders, including representatives from truck and engine OEMs, government agencies and fleet operations.

Over its day-and-a-half run, the Green Truck Summit features 24 breakout sessions, five general sessions and two keynote addresses. Keynote speakers will be announced closer to the event.

The first general session, “Trends in Clean Technologies and Fuels,” is presented by Sumrall and CALSTART President and CEO John Boesel. The two will discuss current clean trends and give an outlook for manufacturers, suppliers and fleets. It will take place Tuesday, March 5 at 9:00am.
The other opening day general sessions are “OEM Perspectives on the Future of Clean Technologies,” “Modeling the Benefits of Deploying Green Technologies” and “Optimizing Engines: New Ideas to Be Clean and Efficient.” Breakout sessions scheduled for Tuesday cover propane, hydrogen fuel cells, natural gas, hybrid electric systems, truck updates and more.

The general session on Wednesday, March 6, “Compounding the Green: Incremental Measures for Going Green and Sustainable,” is led by Fred Silver, vice president of CALSTART. This session will address vehicle productivity enhancement, idle management, energy use reduction and sustainable fleet management. It will run 8:45am−9:45am.

Remaining breakout sessions address bi-fuel CNG and LPG systems, turbine-electric trucks and other fuel-saving advancements. The complete Green Truck Summit schedule is available at www.ntea.com/greentrucksummit/schedule. A full list of sponsors is available at www.ntea.com/greentrucksummit/sponsors.

Other truck initiatives at The Work Truck Show include the Green Truck Ride-and-Drive sponsored by Hino Trucks, where attendees can experience the latest in cutting-edge clean vehicle technology with hands-on test drives and demos. On the show floor, the CALSTART Clean Technologies and Fuels Pavilion features “green” equipment that is commercially available today.

To register for the Green Truck Summit and The Work Truck Show 2013, visit www.ntea.com or call  1-800-441-6832 . Green Truck Summit registration includes an exclusive one-hour reception at 5:15pm on Monday, March 5.

Produced annually by NTEA, The Work Truck Show brings together thousands of work truck professionals, including fleet managers, equipment buyers, maintenance personnel, manufacturers, distributors and dealers.

About NTEA

Established in 1964, NTEA, the Association for the Work Truck Industry, represents more than 1,550 companies that manufacture, distribute, install, sell and repair commercial trucks, truck bodies, truck equipment, trailers and accessories. Buyers of work trucks and the major commercial truck chassis manufacturers also belong to the Association. The NTEA provides in-depth technical information, education, and member programs and services, and produces The Work Truck Show. The Association maintains its administrative headquarters in suburban Detroit and a government relations office in Washington, DC.

About CALSTART

CALSTART is a non-profit organization that works nationally to foster the rapid growth of the clean transportation technology industry. The organization supports industry growth by providing valuable information and analysis, fostering strategic partnerships, supporting smart public policies, and managing high-impact technology commercialization programs. CALSTART has more than 150 member companies and offices in California, Colorado, and Michigan.  For more information visit www.calstart.org.

Tuesday, November 6, 2012

Contractor Surety Bonding Is A Specialty Of First Service Insurance

Surety Bonding for contracts from $5,000 to $5,000,000 and beyond

Surety Bonding is a specialty of ours, and you get the benefit of years of experience and relationships with the best carriers.

Start with the paperwork below and fax back to 800-591-1845.

For Bonds under $250,000 download your Performance Bond Application

For Bonds over $250,000 download your Performance Bond Application

Saturday, November 3, 2012

Faces of Fire - Sam Davis of Cape Coral, FL



Sam Davis, president/CEO of Island Harbor Construction in Cape Coral, FL, offers a free fire sprinkler system in all new homes he builds. "Fire sprinklers do save property, but their main function is to save lives," he says. When someone asks him about fire sprinklers he tells them, "You can spend a fortune on appliances, cabinets and granite countertops but those things will do nothing to protect your family against a fire."

Mr. Davis says that the benefit to his company is that they are actively promoting a system that will save lives. "I'm waiting for the day, although I hope it never ever happens, that we get a call that one of our systems activates, and if it does, that it saved someone's life. A home fire sprinkler system is well worth the investment." NFPA's Faces of Fire campaign is a tool to help people and groups across the country promote the use of automatic fire sprinklers in one- and two-family homes. By containing fires before they spread, home fire sprinklers protect lives and property.

The personal stories told through the Faces of Fire campaign will show the experiences of those who escaped or lost loved ones in home fires and those whose lives and property were protected by home fire sprinklers. http://www.firesprinklerinitiative.org/resources/faces-of-fire/sam-davis.aspx http://www.firesprinklerinitiative.org http://www.nfpa.org

Wednesday, October 31, 2012

Fire department smoke alarm installation program



Deputy Chief Derrick Sawyer of the Philadelphia Fire Department and member of NFPA's Urban Fire Safety Task Force, discusses the implementation NFPA's Remembering When: A Fire and Fall Prevention Program (http://www.nfpa.org/rememberingwhen) in Philadelphia. He also talks of an additional high-risk group, people ages 50-64, that the Philadelphia Fire Department has identified.

Sunday, October 28, 2012

American Fire Sprinkler Association Apprentice Competition



A short video highlighting AFSA's Annual Apprentice Competition held in conjunction with the yearly Convention and Exhibition. The competition fields the best and brightest fire sprinkler apprentices in the country.

First Service Insurance supports the American Fire Sprinkler Association. See more about this great organization at www.firesprinkler.org

Thursday, October 25, 2012

Placer County Contractors Association



First Service Insurance supports the PCCA Placer County Contractors Association. See more about this organization at www.PlacerBX.com

Monday, October 22, 2012

Massachusetts family explains why they support residential fire sprinklers



Chris and Amy Murray spoke to NFPA on the porch of their new home in Northbridge, Massachusetts. The home is protected with a home fire sprinkler system. The couple's twin sons have cerebral palsy - which would make escape from a home fire difficult.

Fires in the home pose one of the biggest threats to the people of your community. Over 350,000 home fires occur every year in this country and more than 2,500 people a year die in these home fires. Home fire sprinklers are a proven way to protect lives and property against fires at home.

Learn more about home fire sprinklers.
http://firesprinklerinitiative.org/resources/fact-sheets/about-home-fire-spri...

Visit NFPA's Fire Sprinkler Initiative website for resources for the fire service and other sprinkler advocates who want to demonstrate the need for home fire sprinklers in their community.
http://firesprinklerinitiative.org

Visit the Home Fire Sprinkler Coalition website for educational information for consumers, the fire service, homebuilders and other professionals on the life-saving value of installing automatic fire sprinkler protection in homes.
http://www.homefiresprinkler.org

Friday, October 19, 2012

First Service Insurance Testimonial

“I am a concrete contractor with 30 years of experience. We have been with First service for 6 years and we are extremely happy with their service. Everyone is always very helpful and knowledgeable. They do the shopping around for us to get us the best price for our insurance needs and they treat us like friend rather than a client. We highly recommend their services.”

–J.P. in Folsom

Tuesday, October 16, 2012

First Service Insurance Exclusive Endorsements

First Service is exclusively endorsed as the property & casualty insurance agents for each of these organizations. We are proud to be endorsed by these groups that serve contractors and the community.
Sacramento Regional Business Exchange logoLeague of California logo

Reno Builders Exchange logo



















 

Saturday, October 13, 2012

First Service Guarantee

 

Same-Day Certificates– Every insurance certificate that we have carrier authority to issue will be issued the same business day we receive your written request. When you have a new policy, or in isolated times where carrier approval is required, we will work quickly to get your certificate issued.

Dedicated Support Team –At the ready is your custom-built service team: your primary Representative, lead CSR, assistant CSR, and complete Certificate staff.

Service Your Way – You have the choice of how to work with us:
Person-to-person, on the phone, or online via email or our website
Policy delivery by email or US Mail
Quote requests via FirstServiceWeb.com or call us
Certificates by fax, email or from our website

The Best Options to Get Started – Many policies are available with a low deposit and monthly installments or a payment-in-full option. Major credit cards are accepted, along with no-cost check by fax. Choose what works best for you.

The Bottom Line –If you are not completely satisfied that we have lived up to our Guarantee as promised here, we will give you a refund of up to the full amount of the agency fee for the policy.

Doug Lindley, CRIS, Owner
 
Ed Barr, CRIS, Owner

Wednesday, October 10, 2012

We Cover The Industry

Thousands of contractors trust First Service for their insurance needs. We proudly serve contractors in every trade:

Air Conditioning

Cabinet Makers

Ceramic and Mosaic Tile

Commercial Builders

Concrete

Earthwork

Electrical

Electrical Sign

Excavating

Finish Carpentry

Fire Protection

Flooring

Framing

Landscaping

General Contracting

General Engineering

Glazing

Grading

Home Builders

HVAC

Lathing

Manufactured Homes

Masonry

Painting and Decorating

Paving

Pipeline

Plastering

Plumbing

Refrigeration

Reinforcing Steel

Residential Builders

Roofing

Sanitation System

Sheet Metal

Solar

Structural Steel

Swimming Pool

Tile

Welding


We have programs for all construction projects and contractor types

Click "Get Quotes" to get your quote, or call us at 800-591-9692.

Sunday, October 7, 2012

We Also Offer Other Personal Coverage

Other Personal Coverage

We offer several other insurance options including, Renters, Rental properties, Personal Umbrella, and Earthquake. Please contact our office and let us work together to protect your investments.

Call us at 800-591-9692 for a quote, or online at http://firstserviceweb.com/quotes/other_personal

Monday, October 1, 2012

Working for Contractors™


Welcome contractors and thank you for the opportunity to earn your business. We have made serving small to medium size businesses our first priority since opening our doors in 1997. Today, thousands of satisfied clients trust us with the coverage they need and rely on us for the service they want.

We earn our reputation by providing what you want and then going beyond to deliver the unexpected. Here’s what you get: First, you are handed your own dedicated support team made of licensed pros who really know construction coverage. Next, you get our fully-staffed certificate department at the ready. After that, anytime you need us you have the most highly-experienced group of specialty insurance people in the business. Wrapping it all up, you get a guarantee that puts in writing that you will continue to get this service all the time.

With us, you get the specialist in the field. The best. You usually expect to pay more for this level of service, but the people we serve happily report that our premiums are actually better. And, of course, no one else has the huge advantage of our experienced service and our written guarantee on top of it all.

Remember, with us it’s more than a slogan, we are Working for Contractors™.

Doug Lindley, CRIS, Owner

Ed Barr, CRIS, Owner

Friday, September 28, 2012

Payment and Performance Bonds

Surety Bonding for contracts from $5,000 to $5,000,000 and beyond

Surety Bonding is a specialty of ours, and you get the benefit of years of experience and relationships with the best carriers.

Start with the paperwork below and fax back to 800-591-1845.

For Bonds under $250,000 download your Performance Bond Application

For Bonds over $250,000 download your Performance Bond Application

Thursday, September 27, 2012

Welcome To Our Blog

Welcome to our brand new blog. We want to provide interesting information about our services and our industry. We provide contractors insurance and trucker insurance in the Western United States. By this unique focus, we are able to provide the best value and service in the industry.