On Feb. 12, 2014, President Obama issued Executive Order 13658 mandating an increase in the minimum wage rate for federal contractors. On June 17, 2014, the DOL issued a proposed rule to raise the federal contractor minimum wage rate to $10.10 per hour to implement the requirements of the Executive Order. The new rate of $10.10 per hour would apply to new contracts that are above certain monetary values and belong to one of the four following contract categories: procurement contracts for construction covered by the Davis-Bacon Act, service contracts covered by the Service Contract Act, concessions contracts, and contracts in connection with federal property or lands related to offering services for federal employees, their dependents or the general public.

There has been a lot of information in the media about changes to the National Flood Insurance program. Remember that standard homeowners insurance policies do not cover damage from flooding.

Mortgage companies require flood insurance if you are in a high risk zone, but not if you are in a low risk zone. While it may not be required, we strongly encourage our clients to retain this valuable insurance protection. Every year we seem to be breaking weather records. Won’t you rest easier knowing that if there is a severe weather event you are properly protected? Remember there is generally a 30 day waiting period for flood coverage to take effect, so if you do not have coverage and want to purchase it when you think you need it, you may not be able to get it.

Statistics show that 25% of flooding occurs outside areas formally designated as being flood prone.

Here are some interesting facts we thought you would like to know about flooding:

  • Floods are the most common and widespread of all natural disasters outside of fire
  • 90% of all presidential-declared U.S. natural disasters involve flooding • Floods occur within all 50 states (they can occur anytime, anywhere)
  • Communities particularly at risk are those in low lying areas, coastal areas, or downstream from large bodies of water.
  • There is a 26% chance of experiencing a flood during the life of a 30 year mortgage (more than 6 times the likelihood of a fire)
  • Even minor flooding can cost homeowners thousands of dollars in losses and repairs
  • Six inches of water will reach the bottom of most passenger cars – causing loss of control and possible stalling.
  • A foot of water will float many vehicles.

Do you know the difference between a flood watch and a flood warning? A watch says flooding is possible, a warning means flooding will occur soon. If you have any questions about your flood insurance coverage, or if you do not have this extremely important coverage and are interested in learning more, please contact us. You may also want to visit the government’s website which has more information about flooding and the National Flood Insurance program. To visit the site click here.

The Summary of Work-Related Injuries and Illnesses” must be posted by February 1 and kept up until April 30, 2014.  This notice must be posted in a conspicuous space.

Before posting company officials must verify that they have completed and attested that the form is complete and accurate.

OSHA can cite an employer who fails to post OSHA Form 300A as required.

Click here to download a copy.

The employees at CLG Insurance participated in People to People's Project Joy by adopting three families for the holidays. The gifts collected consisted of toys, clothing, and boots. This project allows us to get in the holiday spirit and serve those in need in our community.

Mike Dugan, our surety specialist from CLG Insurance, wrote an article aimed at contractors to assist them in bidding on public works projects. To read the entire article, click here.

In less than thirty seconds, a small fire can grow completely out of control and turn into a major fire that spreads throughout the house. Within minutes, your home can be filled with smoke. Preventing fires is the easiest way to avoid a potentially dangerous situation. While in the kitchen, follow these safety precautions:

  • Unplug portable appliances when not in use
  • Keep a fire extinguisher in an easily accessible area of your kitchen
  • Avoid wearing loose-fitting clothing that can drape on flames and into pans
  • If you wear your hair long, keep it tied back
  • Do not place oven mitts, towels or other cloth items near the stove
  • Do not place metal dishes or tin foil in the microwave as this can cause sparking.

Fires can start in any part of the home. Keeping fire extinguishers placed throughout your home can help you extinguish small fires before they get out of hand. Installing a central station fire alarm in your home will ensure that the fire department responds quickly and can also save you money on your homeowner’s insurance policy.

In the event of a fire, remain calm. Turn off the appliance you are using, if possible. If the fire starts in a pan on your stove, try to place a cover on the pan.

If you are unable to stop the fire, leave the home immediately, warn others who could be home to do the same, and call 911.

The time to check your homeowner’s policy to ensure you are adequately insured is before the fire strikes. Ask your agent to review your dwelling amount to ensure it reflects the current replacement cost. Remember, your home is insured for the amount it will take to rebuild your home and not its resale value.

CLG Insurance is pleased to be attending the NCA Texcare Dry Cleaning and Coin Op show being held Saturday, October 19, 2013 and Sunday, October 20, 2013 at Meadowlands Expo Center, 355 Plaza Dr, Secaucus, NJ 07094. As the endorsed insurance broker for the National Cleaners Association, CLG representative Michele Stoebling will be giving a presentation on Healthcare Reform at 8:00 AM on Saturday, October 19th. For more information on this show visit www.ncatexcare.com.

CLG's President, Tim Johnson and friend Christopher Beers raised money for Kids in Crisis this past weekend by competing in a Triathlon in Stamford,CT. The race was the sixth annual Stamford KIC IT Triathlon, Olympic-distance, USAT sanctioned race. This exciting urban multi-sport event is comprised of a 1.5k (.9 mile) swim in Long Island Sound, a 40k (24.8 mile) bike ride into the countryside of scenic North Stamford, and a 10k (6.2 mile) run through the streets of downtown Stamford. Congratulations to Tim and Chris!

CLG Insurance is proud to be presenting at the 26th Annual Financial Managers Association (FMA) Conference in Cooperstown, NY with a session on HealthCare Reform:  What is the impact and what are your responsibilities".

We are excited to introduce ourselves and share our knowledge with this group of dedicated professionals who serve social service organizations throughout New York State.  As industry leaders in risk management, insurance and employee benefits, we are in a position to understand and communicate the breadth and depth of Healthcare Reform.   With the ever increasing budget pressures and compliance requirements, we want to help ease burdens any way we can.  We look forward to seeing many long-time clients and meeting some new friends at this very important event.

Tim Johnson, President and COO of CLG Insurance, co-authored with Rob Harris, Attorney, "The Golf Clubs and Head Pros: Interesting Bedfellows" article speaks to what insurance coverages recommended to both the club and its employees. Tim Johnson, President and COO of CLG Insurance, co-authored with Rob Harris, Attorney, "The Golf Clubs and Head Pros: Interesting Bedfellows" article speaks to what insurance coverages recommended to both the club and its employees. To read the entire article, click here.

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