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Effective April of 2017, ISO has filed revisions to the Limitation of Coverage to Designated Premises, Project or Operations endorsement.  Due to ever broadening court interpretation, the revision no longer includes the language “and operations necessary or incidental to those premises”.  This change aims to remove ambiguity and to limit coverage to the described location, project or operation. There will be new editions of BP 04 12, CG 21 44, CU 21 11 and CX 21 10.

The result is that the grey area just got a lot smaller.  Where the “necessary or incidental language” provided some implication of coverage for offsite operations, the new language requires the occurrence to take place on the premises scheduled or appurtenant grounds or structures.  The revisions will have coverage consequences for Community Associations, Apartments and Property Managers whose policies often contain this endorsement, if the revisions are adopted by their carriers.

Liability arising from offsite meetings, business errands, new client interviews and other “necessary and incidental’ activities may need to be addressed for Community Associations, Apartments and Property Managers in the Real Estate niche.

Below are links to further treatment of the subject and a link to CG2144.

Check out the great Insurance Programs for Condominium InsuranceCooperative InsuranceApartment Insurance and Property Manager’s Insurance that New Empire Group, Ltd. offers!

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The first day of spring is right around the corner and on Sunday (March 12th), it is time again to change the clocks ahead one hour.  Although we are losing an hour of sleep, we will also be gaining an extra hour of daylight!  While you adjust your clocks for Daylight Saving Time this coming weekend, it may be a good time to swap out those smoke and carbon monoxide alarm batteries for new ones.

According to the National Fire Protection Association, almost two-thirds of home fire deaths resulted from fires in homes with no smoke alarms or no working smoke alarms. Smoke spreads rapidly so properly working smoke detectors can give you time to get to safety when there is a fire in your building or home.

Here are a few NFPA alarm safety tips:

  • Install smoke alarms in every bedroom, outside each separate sleeping area and on every level of the home, including the basement. Interconnect all smoke alarms throughout the home. When one sounds, they all sound.
  • Install carbon monoxide alarms on every level of the house, preferably near sleeping areas.
  • Smoke rises; install smoke alarms following manufacturer’s instructions high on a wall or on a ceiling. Save manufacturer’s instructions for testing and maintenance.
  • Smoke alarms that include a recordable voice announcement in addition to the usual alarm sound, may be helpful in waking children through the use of a familiar voice.
  • Smoke alarms are available for people who are deaf or hard of hearing. These devices use strobe lights. Vibration devices can be added to these alarms
  • Smoke alarms are an important part of a home fire escape plan.
  • Test alarms at least monthly by pushing the test button.

It just takes a minute or two, but it is a very important to make sure these alarms are working as they are designed to.  This small task could save your life and the lives of loved ones.

Check out the great Insurance Programs for Condominium InsuranceCooperative InsuranceApartment Insurance and Property Manager’s Insurance that New Empire Group, Ltd. offers! And keep up to date with what’s going on at New Empire Group, LTD. by visiting our social media sites – FacebookLinkedIn & Twitter!

It’s time again to set your clocks back one hour. Unless you live in Hawaii or Arizona which do not observe Daylight Saving Time (that’s right, it’s not plural).

When is the time change?

On Sunday, 11/6/2016 at 2 a.m. we will change our clocks back one hour (“Spring Forward, Fall Back”)!

Why Change the Time at 2 a.m.?

The thinking behind changing the time at 2 a.m. is because it is considered to be the least disruptive time of day. Moving time forward or back an hour at that time avoids confusion because it doesn’t change the date, and most people are asleep.

Why do we practice Daylight Saving Time?

The idea was to save electricity and to make better use of the daylight because there are more hours of natural light. 

A Brief History of Daylight Saving Time…

It is popular belief that Benjamin Franklin first conceived the idea of Daylight Saving Time during a stay in Paris in 1784.  His published essay, “An Economical Project for Diminishing the Cost of Light” proposed to economize the use of candles by rising earlier to make the most use of the morning sunlight.

Recognition for the creation of DST was mainly credited to William Willett in 1905 when he proposed turning the clocks forward in the summer to take advantage of the daylight in the mornings and the lighter evenings.  This DST plan was introduced as a bill to the House of Commons by Robert Pearce in February 1908.  Thereafter the first Daylight Saving Bill was drafted in 1909 and presented to Parliament several times and scrutinized by a select committee.  The bill never made it into a law as it was opposed by many (especially farmers).

Daylight Saving Time was eventually adopted on April 30, 1916 to replace artificial lighting so they could save fuel for the war effort in Germany during World War I.  It was quickly followed by Britain and many other countries, including the United States.  President Franklin D. Roosevelt instituted year-round DST in the United States, calling it “War Time” during World War II from February 9, 1942 to September 30th, 1945.  This law was enforced 40 days after the bombing of Pearl Harbor.

Source: www.Timeanddate.com

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Check out the great Insurance Programs for Condominium InsuranceCooperative InsuranceApartment Insurance and Property Manager’s Insurance that New Empire Group, Ltd. offers!

The holidays are a great excuse for your property manager clients to engage with their tenants in a much more relaxed manner than speaking to them at board meetings or general trips to the office.  Halloween can be considered the unofficial start to the holiday season!  Here are a few things your property manager clients can do to celebrate Halloween with their tenants!

  • Suggest hosting a balcony decorating contest. There can be different categories such as ‘Scariest’, ‘Most Creative’, ‘Funniest’ or ‘Most Seasonal’ with different prizes for each.  Competitions are a great way to create talking points with your property manager clients and their tenants.
  • Host a Halloween party. You can also have prizes for ‘Best Costume’, ‘Most Creative’, etc.  Suggest each tenant bring a different Halloween-themed treat.
  • Host a ‘campfire’ story telling evening in the ‘party room’ or clubhouse.
  • Consider hosting a ‘haunted house’ for tenants.
  • Decorate the lobby with Halloween or seasonal décor.
  • Make sure the Halloween candy dish in the property management office is always refilled!

Tenant engagement and communication is always important for property managers.  What better way to achieve this than focusing on the holidays as they are a common interest amongst almost everyone!

Be sure to check out the great Insurance Programs for Condominium Insurance, Cooperative InsuranceApartment Insurance and Property Manager’s Insurance that New Empire Group, Ltd. offers!

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moving cardboard box on hand truck isolated on white relocation package

Whether you’re moving into a new apartment, condominium or house, there are a few superstitions or “Old Wives’ Tales” that you should be aware of! We’ve compiled a list of our top 10 favorite superstitions and where they originated!

  1. Do not move into a new home on a Saturday or a Rainy day. These are unlucky and may prevent you from ever truly settling into your new home.  There is an old Irish saying: “Saturday flitting, short sitting!”.  <According to Indian superstition, Thursday is the luckiest day to move in.> (Ireland)
  2. Never move an old broom into a new home, you’ll bring all of your former bad luck with you. (United States)
  3. Putting shoes on a table in your home will bring bad luck. (United States, United Kingdom)
  4. If black ants frequent your home you’ll come into wealth. (Philippines)
  5. Don’t sweep your home at night or you’ll brush away good fortune. (West Africa)
  6. Carry a loaf of bread over the threshold during your very first steps into your new home to bring good luck. (Philippines)
  7. Never accept knives, scissors or sharp objects as housewarming presents. It symbolizes a cutting of your friendship – meaning, your friend will soon become an enemy. (Italy)
  8. The first time you leave your new home, exit through the same door you entered. (Ireland)
  9. You should paint your front porch blue, it will ward off ghosts. This superstition originated in the Southern plantation homes, and tells us that ghosts can’t cross water; by painting your front porch blue it will confuse ghosts into thinking the porch is made of water, so they won’t enter the home. (United States)
  10. Spread a pinch of salt over the threshold of every room, including the front door. Some say the salt wards off evil; others believe it brings out the flavor in life and ensures a happy household.

 

Do you have any new home superstitions you’d like to share with us? We’d love to hear them!

 

Check out the great Insurance Programs for Condominium InsuranceCooperative InsuranceApartment Insurance and Property Manager’s Insurance that New Empire Group, Ltd. offers!   And keep up to date with what’s going on at New Empire Group, LTD. by visiting our social media sites –  FacebookLinkedIn &Twitter!