Matthew Davis Insurance

http://www.matthewdavisinsurance.com/FAST_FACTS_FAX_-_NIS.pdf

2011-01-19T08:43:00.000-08:00

http://www.matthewdavisinsurance.com/FAST_FACTS_FAX_-_NIS.pdf

Recommendations When Purchasing Business Insurance for Rental Companies

2010-06-04T07:06:00.000-07:00

Recommendations When Purchasing Business Insurance for Rental Companies

General Liability
This is protection for your business in the event your business operations cause injuries and/or damage to other people and their property. It is vitally important in this day and age that a rental operation have at least a 1 Million per Occurrence and a 2 Million Aggregate General Liability Policy. Most insurance companies will not issue a general liability policy with a lesser limit of coverage.

Building Coverage
We highly recommend that one insure their building to its Full Value using 100% Replacement Cost as its valuation. Some policies use an 80% co-insurance clause with their building valuation. This could cause some problems if a major claim arises. When one insures their building at 100% Replacement Cost, the claims process functions better in the event of a loss.

Business Personal Property (Contents)
BPP should include the following and also be insured at a 100% Replacement Cost evaluation: furniture and fixtures, computer hardware and software, sales inventory, tools (not rental inventory), machinery not held for rental and improvements & betterments.

Business Income Coverage
Business Income coverage will protect the rental operation for the actual loss of one’s net profits plus continuing expenses, including loss of rents that results from the necessary suspension of one’s operations during the period of restoration caused by direct physical damage to property at one’s location. The basic rule of thumb is whatever one’s total gross annual income is, take 30% to 40% of that gross annual income, and that can be used for a basis on Business Income Coverage. Be sure the policy has no coinsurance or monthly limitations.

Business Auto Coverage
This coverage provides protection against claims arising out of the operation, maintenance or use of owned, non-owned or hired autos including trailers (above 10,000 gross vehicle weight). One should have their automobile liability limit set a 1 Million along with the Uninsured and Underinsured Motorist coverage. Depending on the state where the business is located, one should have at least $5,000 in Medical Payments Coverage or Personal Injury Protection. Some rental operators have their personal vehicles insured under their business policy. If this is the case, one must have Driver of Other Car Coverage in place on their business auto policy.

Inland Marine
This policy covers the rental inventory and should be listed on a Replacement Cost basis. We strongly encourage our clients to utilize the following formula to come up with a good solid value for their rental equipment on a Replacement Cost basis to be properly insured. One should take the cost of their rental inventory listed on their balance sheet, find out what the average age of their equipment is, and multiply 3% per year on the average age of their equipment. For example, if one’s cost of rental equipment is $250,000 and the average age of their inventory is 4 years, one would then do the following:
$250,000 x 3% = $257,500
$257,500 x 3% = $265,225
$265,225 x 3% = $273,182
$273,182 x 3% = $281,377
This formula is a good standard for figuring out the Replacement Cost of one’s rental inventory.

Workers’ Compensation
Many policies in the insurance market place today write the standard Employer’s Liability limit at a minimum. The minimum limit is $100,000 Each Accident / $500,000 Disease -Policy Limit / $100,000 Disease-Each Employee. To better protect the insured, we strongly recommend that the Employer’s Liability Limit be raised to $500,000 Each Accident / $500,000 Disease-Policy Limit / $50,000 Disease-Each Employee. The cost for this higher limit of coverage is only about 1.5% higher than the lesser limit of coverage.

Umbrella Policies
Depending on the size of one’s rental operation or assets of the rental operation, one may want to consider an umbrella policy. An umbrella policy is additional protection that basically can be placed over the general liability policy, automobile liability policy and in some cases the Workers’ Compensation Policy. The basic umbrella policy affords an additional 1 Million Dollars in coverage. Larger rental operations may want to have a higher limit of protection.

Certificates of Insurance
Most rental operations are beginning to request certificates of insurance from their contractors and business accounts. We highly recommend our clients request certificates of insurance with the Additional Insured endorsement on their customer’s general liability policy. Secondly, we suggest our clients request certificates of insurance with the Loss Payee clause for “equipment rented” on their customer’s policy. Both of these certificates of insurance help protect our clients, their insurance company, and assists in lower premiums.

Insurance Company – A Final Note
We all remember when we were in school and at the end of a grading period; the teacher would assign grades for one’s work. (A, B, C, etc.) If you were like me, you didn’t see too many of those “A” grades. All insurance companies receive a rating from either AM Best or Standard & Poor. In our ever changing world, the final strength of an insurance company is paramount. The “rating” given to an insurance company depicts the financial strength and claims paying ability of that insurance company. We strongly recommend utilizing an insurance company that not only specializes in insuring the rental industry, but also has at least an “A” rating within the insurance industry. We at National Insurance Specialists only utilize insurance companies whose ratings are at least an “A” with a financial strength of “VII” or better.

The information contained here is to be used as a “guide”. Each rental operation, though similar, is unique and many coverages will need to be “tailored” to meet their needs. This is why it is important to be insured with an insurance agency that knows and understands the needs of the rental industry. The insurance agents of National Insurance Specialists, average 15 years of experience assisting rental dealers with their business insurance needs.

Los Teléfonos

2010-04-13T07:08:00.000-07:00

Los Teléfonos móviles y la Seguridad que El uso de teléfonos móviles y teléfonos celulares ha crecido en una tasa fenomenal durante los últimos varios años. Los celulares permiten que sus usuarios realicen el negocio al viajar, permite las familias para verificar en uno con el otro, y proporcionar una medida de la seguridad hasta ahora desatendida – desde que ayuda a ser literalmente una llamada telefónica lejos cuando sea necesario, no importa dónde usted es. Pero a pesar de los aspectos positivos de ambos teléfonos móviles y teléfonos celulares utilizó en coches, ellos también han creado un nuevo peligro de la seguridad.

Utilizar un teléfono o una radio de BC al manejar es una distracción, así como cambiando cintas o CDS, o el ajuste de la radio, o iluminándose un cigarrillo, le distrae de manejar. Algo que toma su atención lejos de la tarea llena de tiempo de manejar puede ser perjudicial para su salud. Las más tareas que un conductor trata de realizar simultáneamente, el más probable es ése de las tareas sufrirá. Nuevos conductores y las personas mayores son más probables de ser afectado por la distracción, pero nadie es inmune.

Un estudio por el Instituto de Rochester de la Tecnología mostró que conductores que tienen teléfonos celulares en sus coches tienen un 34 por ciento riesgo más grande de participa en accidentes. En un caso reciente, un conductor que atraviesa un cruce dejó caer su teléfono móvil. Como recogía el teléfono, la luz giró rojo y ella broadsided otro coche, enviando a su conductor al hospital con heridas graves. Aséguresele utiliza teléfonos móviles y teléfonos celulares en una manera segura.

Cuando disca un teléfono móvil, debe quitarse su ojos el camino, y por lo menos una mano de la rueda, por varios segundos de dar un puñetazo en los números, mas algunas personas realizan esta función mientras manejan, aún cuando viajan en 50 kph en pesado abundante al tráfico abundante. ¿Bajo las mismas condiciones - manejando en el ayuno o el mucho tráfico - se sentiría usted seguro si cerró los ojos y tomó por lo menos una mano de la rueda por varios segundos? Manejar seguro siempre requiere que mantiene el ojo en el camino, y a menudo requiere el uso exacto de ambas las manos en el volante.

Recuerde estas puntas de la seguridad: • Utiliza un teléfono móvil sólo mientras estacionado sin peligro. • Si planea utilizar un teléfono móvil al manejar, instala un "manos libertan" teléfono. Esto significa normalmente que usted no podrá utilizar su teléfono celular. • Utiliza la memoria incorporada de teléfono para discar con frecuencia-llamados números. • No entra en llamadas emocionales, estresantes ni frustrando al manejar. • Si utiliza un teléfono portátil, asegúrelo con un cinturón de seguridad en el asiento de pasajero tan no llega a ser un misil durante paradas rápidas ni maniobras evasivas. • Al manejar condiciones empeoran, la parada que habla por teléfono, para que pueda dar su atención llena a la tarea de manejar sin peligro.

Los Teléfonos móviles y la Seguridad (19349) © mar. 2009 El Hartford el Grupo Financiero de Servicios, S.a., Hartford, CT 06155 Reservaron bien

Para más información, contacte su agente local de Hartford o a su Consultor de Control de Pérdida de Hartford. Visite sitio web de Control de la Pérdida de El Hartford en http://www.thehartford.com/corporate/losscontrol/

La información proporcionado en estas materias es pensada ser general y consultor en la naturaleza. No será considerado asesoramiento jurídico. El Hartford no justifica que la implementación de ninguna vista ni la recomendación contuvo en esto voluntad: (Yo) tiene como resultado la eliminación de alguna condición peligrosa en sus ubicaciones del negocio o con respecto a sus operaciones del negocio; o (ii) será un apropiado legal o la práctica empresarial. El Hartford no asume responsabilidad para el control ni la corrección de peligros ni conformidad legal con respecto a sus prácticas empresariales, y las vistas y las recomendaciones contenidas en esto no constituirán nuestro tarea, en su beneficio ni en beneficio de otros, para determinar ni justificar que su local de negocio, las ubicaciones ni las operaciones están a salvo ni saludable, ni están en la conformidad con cualquier ley, la regla ni la regulación. Los lectores que procurando resolverse la seguridad específica, legal o asuntos de negocio o preocupaciones relacionaron a la información proporcionado en estas materias debe consultar a su consultor de la seguridad, consejeros de abogado o negocio. Toda la información y las representaciones en esto son al el 2009 de marzo.

2010-02-04T06:29:00.000-08:00

www.nisrentalinsurance.com

2010-02-03T07:26:00.001-08:00

February Newsletter

Scaffolds

2010-01-12T06:50:00.002-08:00

A scaffold is any temporary elevated platform and its supporting structure
used for supporting people, or materials, or both. Scaffolds provide access
to elevated work areas in a way that cannot be done safely by other
means. Scaffolding is used in a variety of applications in new construction,
renovation, maintenance, painting, etc. Scaffolds provide a safe and more
comfortable work alternative than hanging from the top or working from
ladders. Properly erected and maintained, scaffolding provides safe access
to work locations, level working platforms, and temporary storage for tools
and materials.
According to a recent study done by West Virginia University, accidents
involving scaffolding are caused mainly by equipment failure, incorrect
operating procedures, and environmental conditions; which cause both
people and material to fall. The primary factors in accidents include failure
of attachment points, parts failure, inadequate fall protection, and adverse
climate conditions (such as high winds). Eighty percent of all scaffold
injuries are related to falls; of those injured, 60% involve skilled trades,
and 24% are laborers.
Since most scaffold accidents are related to equipment and operations, it’s
important that the people who use scaffolds receive training in their proper
erection, inspection, maintenance, and use. The competent persons should
receive additional training in scaffold selection, site conditions, hazard
recognition, and protection of ground employees and the general public.
Fall protection should be required for employees when they erect, dismantle,
or make alterations to scaffold systems. Many serious falls occur during these
operations because the scaffolds are incomplete (and therefore, unstable).
Standard rails are required on all scaffold platforms. Be sure that guard rails
are removed only during on- or off-loading of materials, and be sure they are
replaced immediately. Ensure that people who are working on the scaffold(s)
during the time the guard rails have been removed wear fall protection.
Inspect scaffolds prior to erection, noting condition and any defects. Reject
any defective parts from use until they have been properly repaired. Once a
scaffold is erected, be sure to inspect it before each work shift, after any
modifications are made, and especially after any change in weather conditions.
After each inspection, note the time, date and the competent person’s
name into the job’s daily work log. Provide overhead protection for people
who are exposed to overhead hazards while they are working on scaffold(s).
If people will be passing or working under the scaffold, provide them with
adequate protection against falling objects.Scaffolds are a cost-effective and safe method for providing
temporary elevated work areas if they are in good repair,
properly erected, properly maintained, and used within their
design limits. Education and training will minimize many of
the problems associated with scaffolds.

Scissor Lifts

2010-01-12T06:50:00.001-08:00

Scissors lifts are an efficient and safe method of providing a temporary
elevated work platform for many constructions operations. However, if these
lifts are not maintained or used properly, accidents can occur. Every year in
the United States, about 190 people become construction fatalities due to
improper use of scaffolds. Falls, electrocution, and overturns of scissors lifts
are the leading causes of these senseless accidents.
All of these accidents are preventable. Always apply good judgment and
common sense when using these scaffolds. Check these common sense items
before you use that scissors lift.
Serious Scissors Lift Hazards
• Operating on rough ground, holes, improper set-up, overturn.
• Operating too close to energized overhead lines or parts.
• Overloading the lift.
• Climbing on the rails; falling from the platform.
• Using the lift as a crane
General Guidelines for Using Scissors Lift
• Train workers adequately before they use the scissors lift.
• Ensure that workers understand all the unique characteristics of a
scissors lift.
• Use lifts only under proper supervision.
• Before each use, inspect the scissors lift to be sure it is serviceable.
• Check to be sure that the lift is free of defective or damaged parts.
• Be sure that people have and use the access points to the lift.
• Be sure that the platform and working surfaces are free of debris, ice,
mud, etc.
• Be sure that the operating area is level, with no holes or depressions.
• Make sure that the guardrails, midrails, and toeboards are installed and
the entry gates are latched.
• Ensure that workers are tied off to the lift with a full body harness.
Before you use that scissors lift, take the time to think it out. Use good
judgment and common sense. Do not become a statistic simply because you
did not think!

Falls

2010-01-12T06:49:00.003-08:00

Falls from construction equipment cause serious injuries to operators and
service people. The larger the equipment, the greater the fall distance, and the
more severe the injuries.
Many falls occur because of poor house-keeping. Oil, mud, and grease accumulate
on the equipment. Also, in cold weather, frost, ice and snow can build
up on the equipment to create slippery surfaces.
Steps, ladders, and grab bars are installed on most new equipment. They are
to be used for mounting or for dismounting the equipment, and are there for
your safety.
Checking the engine and other servicing locations can be difficult. The job
can be done more quickly and more safely using a stepladder. Take the time
to locate and use a safe stepladder.
Points to remember:
• When climbing on the equipment, use the hand and step holds.
• Avoid doing the “split” to make long reaches.
• Avoid carrying packages or tools when mounting or dismounting.
• Wear appropriate footwear.
• Never jump from the equipment.
• Report any damaged handholds or footholds so they can be repaired.
• Advise the master mechanic if the machine needs additional rails or steps.
• Keep your machine free of leaks; clean off mud, ice, snow, grease and oil
that can make surfaces slippery.
We want you to be safe on the job. Please do your part to protect yourself!!
For more information, contact your local Hartford agent or your Hartford
Loss Control Consultant. Visit The Hartford’s Loss Control web site at
http://www.thehartford.com/corporate/losscontrol/

Heater

2010-01-12T06:49:00.001-08:00

The LPG gas portable type heater is a common temporary heating device used
in construction. They are versatile and can be used to provide a temporary
controllable heat source. Improperly used, however, they can cause accidents.
The most common accidents involving portable heaters are fires that are
caused because the heater was placed near combustibles, or was used in the
presence of solvents and/or paints.
Since this unit consumes air/fuel, it
can, if used improperly cause injuries
from oxygen deficiency and carbon
monoxide poisoning. Improper placement
of the heater near walkways or
work areas can result in burns from
accidental contact.
Follow these helpful hints to use LPG gas portable heaters safely:
• Follow manufacturers’ recommendations for horizontal distance to
combustibles.
• Maintain at least 6 feet of vertical clearance from overhead combustibles.
• Watch out for hot surfaces. Do not touch the metal parts during operation.
• Follow instructions when lighting and shutting down. Do not take shortcuts.
• After lighting, check for correct operation; if the unit malfunctions, shut
it down immediately.
• While the unit is in use, check it periodically to make sure it is operating
correctly.
• Use of the unit in a confined space can result in oxygen deficiency.
Ensure ample fresh air.
• When fueling or changing LP tanks, always check for leaks.
• If the area around the tank or heater smells of burnt cabbage, check for
gas leaks.
• LP gas is heavier than air (vapor density = 1.56 @ 0°C). Leaks settle in
low areas.
• LP gas cylinders not in use must be stored outside the building in a
secure area.
• Always follow manufacturers’ instructions and warnings.
Temporary heaters are valuable tools in cold climates in that they enable
construction to progress even during cold weather. However, careless or
thoughtless use can make them deadly.

Hammer

2010-01-12T06:48:00.002-08:00

The hammer is one of the most common tools used in construction.
Although it’s a low-tech tool, it is a common cause of injuries. According to
the National Safety Consumer Board, more than 50,000 Americans will visit
emergency rooms this year after painful encounters with common hammers.
A number of construction workers will be in this group.
Eye injuries are one of the most common types of injuries caused by
improper use of hammers. And anybody who has clobbered his thumb with
a hammer on a cold day can verify the pain that this simple tool can cause!
Here are some good sense tips for safe use of the common hammer:
• Wear safety glasses to protect the only pair of eyes you will ever have.
• Use a claw hammer for driving nails.
• Use a ball peen hammer for driving a chisel or punch. A ball peen hammer
is hardened so it won’t break on impact.
• Make sure the hammer’s handle is safe; check to be sure it is not loose or
damaged.
• Make sure the area around you is clear; you don’t want to bop the person
standing behind you.
Tools are essential to your trade. Treat them right and they will treat you right
For more information, contact your local Hartford agent or your Hartford
Loss Control Consultant. Visit The Hartford’s Loss Control web site at
http://www.thehartford.com/corporate/losscontrol/

Earth Moving Equipment

2010-01-12T06:48:00.001-08:00

Operators of heavy earth-moving equipment must be well trained and must
know the hazards associated with heavy equipment operations. Observe these
common precautions:
Driving and Operating
• Before starting any equipment, be certain that it has been inspected and
serviced according to the regular schedule.
• Before hooking up equipment, make sure any attachments are lowered,
the shift lever is in neutral, and the brakes are set.
• Make sure everyone is clear before moving or backing up.
• Never leave a machine on an incline with the engine running; vibration
may put the machine into motion.
• Never allow anyone to ride on the equipment.
• When operating equipment on an active road, display flashing lights and
a slow vehicle triangle.
• Never coast down a hill.
• When working near trees, watch for dead branches (“widowmakers”)
above the equipment.
• Use great care when working near the edges of cuts or fills.
• Require roll over protective structures (ROPs) on all mobile equipment.
Be sure equipment is free of damage and in good working order.
• Always wear your seatbelt.
Maintenance and Repair
• Shut off engines during refueling.
• Shut off equipment before making repairs.
• When equipment is under repair, place a sign “Under Repair” in the seat,
remove the start key, and/or lock out the controls.
Parking and Security
• Always lower attachments and set the parking brake before dismounting
the equipment.
• Always set the brake, lower the equipment, and place the shift lever in
neutral at the end of each work shift.
• Secure the equipment when finished for the day. Make sure it is clear of
traffic. If it is not clear, mark it with flares or red lights. Lock it up.

Cold Weather

2010-01-12T06:46:00.000-08:00

With the onset of cold weather, workers must take the necessary precautions
to prevent and treat cold-related injuries. Employees that commonly work
outdoors, such as construction, agricultural, maritime, or utility workers, are
among the most vulnerable for cold-related injuries. Prolonged exposure to
freezing or cold temperatures may cause serious injuries such as trench foot,
frostbite, and hypothermia. In extreme cases, including cold water immersion,
exposure can lead to death. It is important for all employees to understand the
warning signs of cold-related injuries and the means to prevent injury.
Under cold conditions, blood vessels in the skin, arms, and legs constrict,
decreasing blood flow to extremities. This minimizes cooling of the blood
and keeps critical internal organs warm. At prolonged and/or very low temperatures,
reducing blood flow to the extremities can result in lower skin
temperature. When the body is unable to warm itself, serious cold-related
injuries may occur.
Cold is a physical hazard that is a common exposure for many workers and
cold-related injuries are almost always preventable if the appropriate precautions
are taken. Injuries that occur from cold can range from uncomfortable
to life threatening. Know what can happen.
INJURY SEVERITY DESCRIPTION
Chilblain Painful injury Skin becomes tender, red, swollen
Trench foot Serious injury Extremities becomes numb, with swelling,
tingling, itching; may lead to loss of skin
or skin ulcers; amputation potential
Frostbite Serious injury Deep layers of skin freeze, causing sharp,
prickly sensation, often with skin
discoloration; severe cases include skin
peeling and/or loss of a body part
Hypothermia Life threatening Body core drops below 95ºF, can lead to
irregular pulse, unconsciousness, and death
Hypothermia Symptoms
• Numbness, stiffness, drowsiness, poor coordination
• Slow or irregular breathing and heart rate
• Slurred speech
• Cool skin, puffiness in the face
• Shivering with teeth chattering
• Victim feels cold and has pain in extremities
• May lead to confusion, disorientation, memory loss
• If not treated immediately, can cause deathHypothermia can occur when air temperatures are above
freezing, especially if brisk winds are present and/or clothing
has become damp from work or adverse weather.
Workers are at higher risk from cold exposure if they are
not acclimatized to the cold, are not physically fit, have a
chronic illness that affects the heart or blood vessels (i.e.
heart disease, asthma, bronchitis, diabetes), are fatigued,
and/or do not wear the appropriate clothing.
A Healthy Body Is Less Susceptible
• Use moisturizing lotions, lip balm
• Stay in peak physical shape
• Stay active to produce more heat
• Eat warm, high-calorie foods such as hot pasta and soups
• Drink warm, sweet beverages (i.e. hot chocolate or sports
drinks); the sugar helps the body generate additional heat
• Avoid dehydration, drink plenty of water
• Avoid alcohol, caffeine, tobacco
• Keep extremities dry
Dress Properly
Proper dress will keep you warm and dry. Wet clothes
increase heat loss. The best clothing has good ventilation so
moisture can escape.
• Dress in layers
• Wear a liner in your hardhat
• Keep clothes dry
• Wear water resistant boots
• Wear synthetic fabrics such as polypropylene next
to the skin
• Wear outer windproof layer
• Avoid tight-fitting footwear
• Wear mittens with liners if possible
• Change socks frequently
Get Out Of The Cold
• Allow rest and warm-up breaks
• Use warming devices, if available
• Try to schedule work for the warmest part of the day
• Work in pairs (buddy system) to help workers recognize
danger signs
• Work in a shelter, when possible
• Work with your back to the wind
Training
Before being assigned to work in extreme cold, workers
should be trained in the following:
• Signs and symptoms of cold-related injuries
• Appropriate first aid treatment and re-warming procedures
• Proper clothing and equipment
• Safe work practices
• Guidelines for breaks, eating, and drinking
• Risk factors that increase the health effects of cold exposure
If you maintain good physical heath, eat and drink properly,
wear appropriate clothing, and minimize time spent in the
cold, you are more likely to stay safe and avoid injury.
For more information, contact your local Hartford
agent or your Hartford Loss Control Consultant.
Visit The Hartford’s Loss Control web site at
http://www.thehartford.com/corporate/losscontrol/

Chipping Concrete

2010-01-12T06:45:00.002-08:00

Concrete chipping operations are sometimes necessary to remove small
amounts of masonry. Compact pneumatic chipping hammers are often used
to do the job. These compact battering rams pack a lot of punch, but they can
be dangerous if they are not used properly. Here are some common-sense
tips provided by tool manufacturers.
Dress Appropriately to Protect Yourself
• Always wear impact-resistant eye protection; everyone in the area should
wear eye protection.
• Depending on the situation, wear a facemask or respirator.
• Wear a hardhat, especially if there is a risk from overhead falling objects.
• Wear adequate clothing that fits properly.
• Wear proper hearing protection.
• Wear gloves to protect your hands.
Inspect Tool Condition Before Use
• Check the tool for tightness and wear.
• Check the tool and retainer for wear.
• Inspect hose connections for cracks, worn threads, and loose couplings.
• Use a short safety chain over the air-to-tool connection.
Beware Of Air Under Pressure
• Never engage in horseplay with compressed air – it’s dangerous!
• Always disconnect the tool when it is not in use or when you are
changing accessories.
• Never exceed the tool’s designated operating pressure.
Proceed With Caution
• Always keep both hands on the tool.
• Watch for excess lengths of the air hose, which can cause you to trip.
• Never operate the tool without the chisel against the work surface.
• Discontinue use if numbness, tingling, pain, or whiteness of the skin
occurs.
Always follow any special manufacturer instructions, and always use good
common sense.

Chain Saw

2010-01-12T06:45:00.001-08:00

Before Starting the Saw
• Check controls, chain tension, all bolts and handles to ensure that they
are functioning properly and are adjusted according to the manufacturer’s
instructions.
• Fuel the saw at least 20 feet from sources of ignition.
• Start the saw at least 10 feet from fueling area, with the chain brake
engaged, and with the chain saw on the ground or firmly supported.
• Check the fuel container for the following requirements:
– Must be metal or plastic
– Must not exceed a 3-gallon capacity
– Must be approved by the Underwriters Laboratories or the Department
of Transportation (DOT).
While Running the Saw
• Keep your hands on the handles, and maintain secure footing.
• Clear the area of obstacles that might interfere with cutting the tree or
using the retreat path.
• Do not cut directly overhead.
• Shut off the saw or release the throttle prior to retreating.
• Shut off or engage the chain brake whenever the saw is carried more than
50 feet, or on hazardous terrain.
For more information, contact your local Hartford agent or your Hartford
Loss Control Consultant. Visit The Hartford’s Loss Control web site at
http://www.thehartford.com/corporate/losscontrol/

Backing heavy Equipment

2010-01-12T06:44:00.001-08:00

Many construction equipment operations require the use of bi-directional
equipment that can be driven both forward and backward. Backing up
heavy equipment presents a serious risk. Vehicles such as dump trucks,
bulldozers, front-end loaders, and concrete trucks have large blind spots
during backing. When backing is absolutely necessary, certain precautions
should always be observed.
• Walk around the equipment before starting work. Be familiar with
the area.
• Keep non-essential equipment and people out of the area.
• Make sure that the vehicle’s mirrors are properly adjusted.
• Ensure that all windshields are kept clean.
• Be sure that back-up alarms, which are mandatory on all bi-directional
equipment, are functional.
• Back-up alarms must be audible above the ambient noise levels.
• Always keep the spotter in full view during dumping operations.
• Always be familiar with the limitations of the equipment.
The idea is to be sure that everyone watches out for his or her own safety
because problems develop when operators forget. The equipment operator
has the responsibility of operating these vehicles safely.
The professional equipment operator should never assume that the path is
clear unless it can be seen or unless a guide can verify that it is clear.
For more information, contact your local Hartford agent or your Hartford
Loss Control Consultant. Visit The Hartford’s Loss Control web site at
http://www.thehartford.com/corporate/losscontrol/

Happy Holidays

2009-12-15T07:39:00.000-08:00

http://archive.constantcontact.com/fs065/1102162595739/archive/1102843985467.html

Happy Holidays

2009-12-10T07:11:00.000-08:00

http://www.hylant.com/email/2009holidaycard/toledo_pl/card.html

12-1-2009 Newsletter

2009-12-01T08:25:00.001-08:00

http://archive.constantcontact.com/fs065/1102162595739/archive/1102840604697.html

RER Reports

2009-11-30T08:10:00.001-08:00

For a limited time, Volvo Rents is offering a free Construction Spending and Population Growth report for your market. These reports are free and are delivered without obligation. Please limit reports to one county or MSA per request. Call or click to request your market’s construction spending report.
1-866-387-3687 / askrents@volvo.com
Hurry -- Offer expires December 31, 2009
This research data is provided by independent analysts at Info Tech Marketing, a market research firm based in Littleton, CO. In addition to providing historical data, the forecasts encompass the latest data on construction employment and spending, building permits, government forecasts, and private projections.

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Headline News
Deere Reports $222 Million 4Q09 Loss
November 30, 2009
Deere & Co. last week announced a worldwide net loss of $222.8 million, or $0.53 per share, for the fourth quarter ended Oct. 31, compared with net income of $345.0 million, or $0.81 per share, for the same period last year. Affecting fourth-quarter 2009 results were charges of $364.8 million pretax and $321.8 million after-tax, or $0.76 per share, because of the previously announced impairment of goodwill related to the John Deere Landscapes reporting unit and voluntary employee-separation expenses associated with the formation of the new agriculture and turf division. Without the items, earnings for the quarter would have been $99.0 million, or $0.23 per share.

Upstate New York Rental Company Liquidating
November 30, 2009
C&B Rent-All, Watertown, N.Y., is conducting a “going-out-of-business” sale and liquidating its assets, the Watertown Daily Times reported online. The business, which opened in 2002, was hurt by the slow construction business in the area and lack of customer demand.

ARA Unveils New Market Monitor Service
November 30, 2009
The American Rental Association last week announced the launch of the State of Equipment Rental Industry Outlook 2009-2014 Market Monitor service. This online subscription-based program, exclusively available to ARA members, provides subscribers with the latest economic information regarding the equipment rental industry compiled by economic forecasting firm IHS Global Insight. The information is updated quarterly.

International News
Ramirent Net Sales Drop 30 Percent in Third Quarter
November 30, 2009
Helsinki, Finland-based Ramirent, a rental company with branches in 13 countries, posted a 30.8-percent net sales decrease in the third quarter of 2009. Net sales for the period were €129.5 million (about U.S. $195 million), compared with €187.2 million for the same period in 2008. For the first nine months of 2009, net sales dropped 29 percent to €376.3 million. The decrease was 22.4 percent at constant currency.

Speedy Drops 27.9 Percent for Six Months
November 30, 2009
Revenue for Speedy Hire dropped 27.9 percent for the six months ended Sept. 30, posting £184.8 million (about U.S. $308.1 million), compared with £256.4 million for the same period a year ago. The U.K.’s largest rental company posted an adjusted loss before tax of £4.8 million (about U.S. $8 million), compared with £23.8 million profit a year ago.

Wynne Systems Names Project Manager for Europe, Middle East and Africa
November 30, 2009
Wynne Systems, international provider of enterprise software for the rental industry, last week named Erwin Luijten senior project manager for the company’s Antwerp, Belgium, office. Luijten has more than a decade of experience in ERP implementation management.

Atlas Copco Appoints New Distributor in Botswana
November 30, 2009
Atlas Copco recently appointed Parts Sales Botswana as a distributor of Atlas Copco Road Construction and Construction Tools equipment in Gaborone, Botswana, where major infrastructural developments including an extensive road network upgrade, the construction of two dams, an extension of the power station, hospitals, stadia and the massive upgrade of the Sir Seretse Khama Airport are all underway.

New Holland Wins Italian Army and Fire Brigade Tenders
November 30, 2009
New Holland Construction last week announced it has won the majority of the biggest tender ever promoted by the Italian Army for construction equipment applications.

Wall Street Beat
The Stock Block
November 30, 2009
Check in on some of the latest stock prices for publicly traded rental companies and popular construction equipment and general tool manufacturers related to the rental equipment industry.

Supply Side
Generac and Fiat Announce Strategic Partnership for Diesel Engines Supply
November 30, 2009
Generac Power Systems, a manufacturer of standby and portable power generation equipment and Fiat Powertrain Technologies last week announced a strategic partnership. Beginning in 2010, FPT will supply Generac with a wide range of industrial diesel engines for use in gensets with outputs ranging from 60 to 350 kW. The FPT engines are designed to increase productivity and greatly reduce engine operating costs.

Hilti Ranks Fifth in "50 Best Companies to Sell For"
November 30, 2009
Hilti last week announced that for the fifth straight year, the corporate research team at Selling Power identified it as one of the best manufacturing companies to sell for. Hilti finished eighth in the magazine’s annual “50 Best Companies to Sell For,” a comparison and evaluation of the largest U.S. sales forces.

Makita Receives The Home Depot's 2009 Marketing Innovation Award
November 30, 2009
Makita U.S.A. last week announced it was awarded The Home Depot Marketing Innovation Award. The award was presented to Makita Industrial Power Tools at The Home Depot’s Annual Supplier Partner Meeting in Atlanta.

Bricks & Clicks
Terex Launches Expanded Web Portal for North American Construction Distributors
November 30, 2009
Terex Construction now offers its North American distributors a single website — the Terex Construction Portal — to accommodate all their distribution needs, including sales, marketing, parts, service and warranty.

Interviews
Info at their Fingertips
November 30, 2009
RER conducted a series of interviews for our October issue on software technology and has been publishing a number of them in RER Reports. The sixth installment is with Rob Ross, president of Alert Management Systems, based in Colorado Springs, Colo. Ross discusses a whole slate of new products offered by Alert, and takes a look at trends to come. Ross was interviewed by RER’s Michael Roth.

Classifieds
November 30, 2009
• Volvo Rents -- General manager position in York/Harrisburg, Pa.

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shows

2009-11-14T12:15:00.000-08:00

ARAM Show

Save-The-Date:
ARAM Vendor Night 2009 - November 18, 2009
Holiday Inn in Marlboro, MA

ARA of CT Show

Save-The-Date:
ARA of CT Vendor Night 2009 - November 19, 2009
Elks Lodge #771 in Middletown, CT

NER, NIS & The Hartford

2009-11-14T12:14:00.000-08:00

We have a unique partnership with the National Equipment Registry. If you are insured with us we will waive your deductible on all equipment registered with the NER.
Recently, this saved one of my insureds $2,000.00.

Click here to register your equipment today!

How to Save Money on Insurance

2009-11-14T12:13:00.001-08:00

Raise Your Deductibles and Lower Your Premiums!

When you raise your deductibles you're volunteering to pay more every time you have to file an insurance claim. When you're paying more they're paying less, and every insurance provider in the country is going to reward that fact by offering to save you money on your insurance.

Article Featured in Commercial Dealer

2009-11-14T12:12:00.001-08:00

Don't automatically assume you're protected. According to one national survey, nearly 60 percent of businesses are seriously underinsured. In the event of a major claim, the survey showed that the underinsured could find that the upper limit of their policy payout is 20 percent less than what they need in today's market.

Just because you have an insurance policy, doesn't mean you have the right one. The difference between the right policy and the wrong one could cost your business hundreds of thousands of dollars if your insurance coverage is not adequate. When a loss happens, you need help - what you don’t need is to learn that there is no coverage to recoup your losses. The best time to get educated is now, before that scenario occurs.

The Coverage You Need
Unlike other businesses, there is no standard policy for your industry. The rental and equipment dealer has various unique risks and coverage needs that need to be individually evaluated for the proper insurance coverage. There are several factors that you should consider when insuring your business.

• Make sure you are insured with a specialist. Don’t insure your business with someone who doesn’t know your industry. Just because your brother-in-law sells home owner policies doesn’t mean that you should let him write your insurance. You may be doing him a favor and not yourself. Seek out someone who understands and works in the industry and can provide you the maximum coverage available.

• Choose financial strength and stability. Make sure you are with an A+ rated insurance carrier from A.M. Best. You can find out how your current insurance carrier is rated at http://www.ambest.com/. This rating system shows a client what a company’s financial strength is and its ability to meet their obligations. Remember, an insurance program is only as good as the company that stands behind it. Be cognizant of the inferior choices out there that may leave your business vulnerable.

• Customized coverage. Again, it is imperative that you have an insurance policy tailored your business needs. This must include your unique coverage needs such as conversion, in transport, equipment breakdown and off premises. Do your research and make sure your policy covers these areas.

• All lines of insurance. When picking your insurance carrier, make sure that they cover all lines of insurance. This means that their policy includes but is not limited to property, general liability, auto coveragevand workers compensation. Placing all of your insurance coverage with one carrier provides you with easier claim handling and decreases your chance of having gaps in your insurance coverage from one carrier to the next.

Ultimate Service
In an industry that caters to the needs of a diverse group of rental customers, it is fundamental to provide high-quality service. Whether they are renting party goods or homeowner and contractor equipment, your customers rely on you to provide high-quality equipment in good working condition – when they need it.

With that in mind, you should demand that same level of service from your insurance provider. It is their job to ensure that your business and your equipment are covered. Replacement cost, conversion, and off premise coverage should be a standard in your policy. If you don’t have an adequate amount of coverage, your business may be seriously underinsured. In the event of a major loss, there is a very strong chance that your current policy will fall very short of what you need.

Strategic Partner
Most people hate insurance until the time comes when they need it. I believe we all need to see insurance in the light of people helping each other maintain financial security.

For example, in early civilization, if a house burnt down, the members of the community banded together and helped build a new one. If someone wasn’t willing to help, they were perceived as a bad neighbor and the community wasn’t as willing to help them out in the future. In today’s insurance world, there are plenty of “bad neighbors” out there who only want to collect premiums and are not concerned with helping you.

Once you received a quote and paid your premium, your coverage is bound and you believe that your business is adequately covered, right? Maybe! Don’t make your business vulnerable because you are not educated about the company that is insuring your business and the type of coverage they provide.

Do your research. There are A+ rated companies out there who have the knowledge and capability to protect your company for that “just in case moment.” For the sake of your business, seek out those insurance companies that have custom policies for your industry and can provide you with proper coverage, industry expertise, and financial strength and stability.

About The Author:
Matthew Davis is a regional manager for the National Insurance Specialists, which caters to equipment dealers in the rental markets. He can be reached at matt.davis@hylant.com.

Thursday, April 16, 2009

Business Income

2009-11-14T12:11:00.001-08:00

Business Income is a fairly inexpensive coverage and is an absolute must. This coverage will protect you for the actual loss of your net profit plus continuing expenses, including loss of rents that results from the necessary suspension
of your operations during the period of restoration caused by direct physical damage to property at an insured location.

Briefly, business income insurance is said to do for the business what the business would have done if there had been no physical loss or damage to property from a covered cause.

Please make sure you are covered!

SEAT BELTS

2009-11-12T11:22:00.001-08:00

THE THREE COLLISIONS
The National Safety Council’s Injury Facts 2000, reports the following information regarding the use of safety belts:
•Reduce fatal injury to front seat occupants by 45% and reduce the risk of moderate to critical injury by 50%. For light truck occupants those figures increase to 60% and 65% respectively.
•Safety belts provide the greatest protection against ejection. In 1998 fatalities, 21% of unrestrained passengers were ejected from
the vehicle compared to 1% for those who were restrained with a safety belt.
•Lap/shoulder belts should always be used even in a vehicle equipped with air bags.

Seat belts saved an estimated 11,088 lives in 1998. To understand the value of safety belt use, it's important to understand some of the dynamics of a crash. Every motor vehicle crash is actually comprised of three collisions.

The Car's Collision
The first collision is known as the car's collision, which causes the car to buckle and bend as it hits something and comes to an abrupt stop. This occurs in approximately one-tenth of a second. The crushing of the front end absorbs some of the force of the crash and cushions the rest of the car. As a result, the passenger compartment comes to a more gradual stop than the front of the car.

The Human Collision
The second collision occurs as the car's occupants hit some part of the vehicle. At the moment of impact, unbelted occupants are still traveling at the vehicle's original speed. Just after the vehicle comes to a complete stop, these unbelted occupants will slam into the steering wheel, the windshield, or some other part of the vehicle interior. This is the human collision. Another form of human collision is the person to-person impact. Many serious injuries are caused by unbelted occupants colliding with each other. In a crash, occupants tend to move toward the point of impact, not away from it. People in the front seat are often struck by unbelted rear-seat passengers who have become high-speed projectiles.

The Internal Collision
Even after the occupant's body comes to a complete stop, the internal organs are still moving forward. Suddenly, these organs hit other organs or the skeletal system. This third collision is the internal collision and often causes serious or fatal injuries.

So, Why Safety Belts?
During a crash, properly fastened safety belts distribute the forces of rapid deceleration over larger and stronger parts of the person's body, such as the chest, hips and shoulders. The safety belt stretches slightly to slow your body down
and to increase its stopping distance. The difference between the belted person's stopping distance and the unbelted person's stopping distance is significant. It's often the difference between life and death.
Excerpts from "Sudden Impact," NHTSA, 1992.

Hylant Group is Proud to be One of the Best Places to Work in Insurance

2009-10-13T13:04:00.000-07:00

Business Insurance's annual ranking of the best places to work in the insurance industry

Fast Facts Fax

2009-10-07T12:29:00.000-07:00

Click Here

Literature

2009-09-30T11:10:00.000-07:00

Click here!

Propane

2009-08-24T06:49:00.000-07:00

Keep renters and employees safe by reminding them of the following guidelines for working with propane appliances and tanks:
Ensure that the appliance is turned off and the fuel supply valve is closed before connecting the fuel tank.
Tighten connections by hand until they come to a full stop.
Ensure that hoses are not kinked and do not come near burners or other areas that will become hot during use.
Before replacing a fuel tank, close its supply valve and turn off the appliance.
If you smell gas, hear a hissing sound, or see a white or ice substance near any connections, immediately close the fuel supply valve, turn off the appliance and remove any other ignition source.
Do not store spare fuel tanks in the vicinity of the appliance.
Compressed gas tanks should be chained securely to a wall for storage.
Tanks should be well maintained, inspected and recertified. If the tank is marked with an “E,” it should be recertified every five years. If marked with an “S,” every seven years and if not marked at all, it should be recertified every 12 years.
For use with tents, propane tanks must be installed on level ground no less than 5 ft. from the structure and secured with a post or tie so that they are not knocked over.
Clean and inspect appliances after rentals and replace hoses and couplers that are damaged or worn.
If a rental store is faced with a customer’s request or site situation you know is not safe, don’t accept it. Speak up and offer an alternative.

This safety tip is provided by ARA Insurance Services, Kansas City, Mo., to help those in the rental industry better manage their risk. For more safety and risk management information, customers of ARA Insurance Services can log on to ReSource. Access is free, so if you haven’t signed up yet, contact your agent or call 800-821-6580.

NER Report

2009-08-13T07:50:00.001-07:00

AUGUST 12 STOLEN EQUIPMENT ALERTS

Today's summary includes forwarded alerts from NER partners Northeast Equipment Dealers Association and Construction Industry's Crime Prevention Program of Southern California.

All alerts are posted at NER's Theft Alert Page, now arranged regionally: www.stopequipmenttheft.com/Hotlist.html

Hesperia, CA Ford Loader Theft
NER Partner CPP of Southern California (www.crimepreventionprogram.com) reports a member contractor lost a Ford 545-D Loader August 7 from a jobsite in Hesperia, CA. PIN A436622. Full alert here:
http://www.stopequipmenttheft.com/cppofsc_Ford_Theft_Alert_8.11.09.pdf

Pennsylvania Dealer Burglary
NEDA (www.ne-equip.com
) reports two member dealerships were burglarized in Pennsylvania- one on August 9, one August 10. Law Enforcement intercepted one group of theives. Details on both events and detailed machine ID info here:
http://www.stopequipmenttheft.com/NEDA_NER_Theft_Alert_Mowers_PA_8.11.09.pdf

Travelers Insurance Florida Excavator Theft
Travelers is offering a $4000.00 reward on a Deere 330-C-LC Excavator stolen July 29 in Clermont, FL. PIN FF330CX082197

http://www.stopequipmenttheft.com/Travelers_Deere_Exc_Theft_8.11.09.pdf

Springfield, MO Bobcat Theft
Thieves stole a practically new Bobcat T-300 from a road project east of Springfield, MO August 1. Someone potentially witnessed the machine being loaded. PIN A5GU35218. Details here: http://www.stopequipmenttheft.com/NER_Theft_Alert_Bobcat_T300_MO_8.3.09.pdf

Ohio Deere Backhoe Theft
An NER member contractor lost a Deere 310-SG Backhoe from a site in Hamilton County, OH near the Indiana, Kentucky border area August 10. Industry and Law Enforcement are asked to watch for any 310-SG with painted over logos, or CGC logos, anywhere in the area, particularly any offered for sale. PIN T0310SG953038. More information here: http://www.stopequipmenttheft.com/NER_Theft_Alert_Ohio_Backhoe_8.10.09.pdf

THEFT SUMMITS

There is still time to register for upcoming Regional Theft Summits. These summits bring law enforcement, equipment owners and insurance professionals together to discuss the problems and challenges of equipment theft...and some of the current solutions available.

Hosted by: MIAMI GARDENS POLICE DEPARTMENT
Miami Gardens, FL

August 18, 2009

El Palacio Hotel and Conference Center
21485 NW 27th Ave
Miami, FL 33056
``````````````````````````````````````````````````````````````````
Hosted by: CHARLOTTE-MECKLENBURG POLICE DEPARTMENT
Charlotte, NC

September 22, 2009

Charlotte-Mecklenburg Police and Fire Training Academy
1770 Shopton Rd.
Charlotte, NC 28217

```````````````````````````````````````````````````````````````````
These summits are designed for:

Law Enforcement
Equipment Owners, Dealers or Rental, and Auction Yards
Insurance Professionals

General Session - examines the equipment theft problem, recovery challenges and solutions. By exploring the growing problem of construction and agricultural equipment theft, the challenges that hinder equipment recovery and the latest equipment security technologies, attendees will be better prepared to join the fight against equipment theft.

Break-out Classes - provide law enforcement with instruction in equipment identification training, while equipment owners and insurers explore theft
prevention strategies and how to increase the chances of recovering stolen equipment.

Catered Lunch - gives equipment owners and law enforcement an opportunity to discuss issues of common interest and ways to support each
other's efforts.

Registration is free for law enforcement, equipment owners and NICB or NER member insurers.

To register, please call 866-663-7872 or email info@nerusa.com

Stacy Kaufman
National Equipment Register

561.843.3753
skaufman@nerusa.com

National 811 Day - Aug. 11

2009-08-10T12:02:00.000-07:00

National 811 Day in the United States, scheduled for Aug. 11.

811 call-before-you-dig phone number

The Federal Trade Commission (FTC) will begin enforcement of the Fair and Accurate Credit

2009-08-03T11:44:00.000-07:00

The Federal Trade Commission (FTC) will begin enforcement of the Fair and Accurate Credit
Transactions Act (FACTA) Red Flags Rule for preventing identity theft on Aug. 1, 2009. This rule
requires many businesses, including rental operations, to ensure that sensitive personal
information of customers and employees is protected.
Affected rental businesses must create and implement a written security program
that deters identity thieves from obtaining personal information to open or access
accounts. The FTC notes that most businesses that provide products and services to
their customers and then bill them later are covered by the Rule. You can determine
if the Rule applies to your business by reading “Fighting Fraud with the Red Flags
Rule: A How-To Guide for Business” available at :
www.ftc.gov/bcp/edu/pubs/business/idtheft/bus23.pdf.
The FTC created 26 Red Flags, or warning signs, of suspicious activity to help businesses
identify an imposter who is using someone else’s identity to obtain products
and services. These red flags are spelled out in the guidelines issued with the Red
Flags Rule at www.ftc.gov/os/fedreg/2007/november/071109redflags.pdf. (The
guidelines can be found on pages 63773 and 63774.)
Four basic steps have been identified by the FTC to help businesses design a written
program to comply with the Red Flags Rule:
• Develop a written program to identify relevant red flags that are warning signs of
identity theft and train all employees on the plan.
• Establish policies and procedures to detect red flags.
• Identify preventive measures for red flags to prevent and mitigate identity theft
such as monitoring an account, closing an account, not opening a new account or
contacting a customer when a red flag is noted.
• Explain how you periodically will update your program to address new risks
and trends.
In addition to developing a plan to meet the Red Flags Rule, the FTC stresses that
businesses must describe how the plan will be administered, including getting management
approval, training staff and monitoring service providers for compliance.
The FTC notes that failure to comply with the Red Flags Rule could subject businesses
to civil monetary penalties.
The Red Flags Rule, according to the FTC, gives businesses some flexibility in designing
their programs. Depending on the size of the business and the potential risk
for identity theft, some companies need a comprehensive program, while businesses at low risk for identity theft may find that the do-ity
o u r s e l f p r o g r a m a v a i l a b l e a t
www.ftc.gov/redflagsrule may be sufficient. This Web
site also offers more resources, articles and information
to assist affected businesses in designing and
implementing their identity theft-prevention programs.
For questions about compliance with the
Red Flags Rule, contact RedFlags@ftc.gov.

Prevention

2009-07-29T12:58:00.000-07:00

Nothing can raise your insurance rates faster than a claim can. The best way to avoid claims is to Prevent them. The definition of Prevention is to anticipate and implies taking advance measures against something possible or probable.

Key suggestions:

1. Have all vehicles and equipment regularly inspected and maintained in accordance with manufacturers recommendations. (keep all records)
2. Have MVRs obtained on all employed drivers annually.
3. Keep all work areas clean and safe. Safety should always be job one.
4. Install burglar alarms, barbed wire fencing and adequate lighting to your property.
5. Request two forms of ID from your renters.
6. Have all renters sign a Rental Agreement.
7. Make sure your insurance is specifically designed for the equipment rental industry.

If you have other suggestions, please send them my way at matt.davis@hylant.com.

Are you underinsured? – be sure

2009-07-10T07:17:00.000-07:00

Just run through these four musts to be sure you really are insured adequately
BY GRETCHEN LEE

When the Bellevue Rental Center in Bellevue, Neb., suffered a devastating fire on Aug. 1, 2004, owner Dan Smith had no idea at first how much had been lost. Only the heavy equipment outside the building was salvageable. The flames destroyed his building and the inventory inside — along with all of his records.
That didn’t stop Smith from jumping back into business the very next day. He and his family set to work renting the remaining equipment from the yard. They created a makeshift office in a trailer borrowed from a friend, a local Honda car dealer.
Over the next few weeks, Smith took inventory of the damaged equipment and asked his old suppliers for copies of his original purchase invoices. Slowly, he was able to assess the value of what was lost in the fire — and discovered he was woefully underinsured — not by design, but because he’d only guesstimated the value when purchasing an insurance policy. The real replacement value of his inventory was twice the amount of his insurance coverage.
Do you know the value of your rental inventory? Can you say exactly what it would take for you to rebuild your business after a catastrophic event? If you don’t know, you’re not alone. Many stores don’t know the value of their businesses, and, as a consequence, they aren’t insured to value — which could put them out of business should disaster strike.
What’s worse, some rental store owners who do know the value of their equipment actually choose to underinsure their businesses — preferring to save a few bucks even if it means rolling the dice with their livelihoods.
Happily, Bellevue Rental Center has been able to recover. Though he wasn’t able to collect enough from his insurance company to cover everything, Smith was able to get a Small Business Administration-insured loan from the bank and began placing orders on equipment. Now he’s in a new building and is steadily rebuilding his inventory and growing his business back to its pre-fire level.
There’s a lesson or two to be learned here. If you want to be able to cover your losses no matter what unfortunate circumstances come your way, always insure to value and heed these four musts:
1. Maintain an accurate inventory. They say close only counts when playing horseshoes or throwing hand grenades, so focus first on creating a flawless accounting of your inventory. You’ll need this inventory to get an accurate insurance quote. And keep an up-to-date copy of your inventory off-site, along with copies of the original invoices for your equipment, because you’ll need them again if you suffer a loss. You might also consider storing photos or a videotape of your inventory off-site.
2. Count everything. Include things like the parts you use to make repairs — even 25-cent items add up when you’ve got thousands of them! And don’t overlook things like the value of your counters, shelving and workbenches, your computer system, your employees’ tools and customers’ equipment that may be on-site for repairs.
3. Get the right limits. It doesn’t pay to scrimp when it comes to insuring to value on your rental equipment because the pricing is based on decreasing increments. It’s almost like a quantity discount — the higher the values, the lower the rates. Also consider the type of coverage — if your policy pays to replace your equipment with new, make sure you value it at today’s prices, which may be higher than what you originally paid.
4. Don’t think it can’t happen. Some dealers convince themselves that their risk is reduced because their equipment is never all in the same place at the same time — either because it’s spread out over multiple locations or because some is out for rent or out in the yard while the remainder is in the store. But how could you know exactly how to distribute the value at risk? And what will you do if you make the wrong assumption?
Remember, there’s no guesswork when you insure to value using an accurate and comprehensive inventory of your business. Insurance is a smart investment — and it’s worth every penny to make it right.

Risk Management June/July 2005

Saving pennies, risking dollars

2009-07-10T07:07:00.000-07:00

Not able to cover all of your losses? Why risk that when you don’t have to?
BY GRETCHEN LEE

You buy the insurance but you just never think you’ll actually have to make a claim on a catastrophic event. But last winter, the unthinkable happened at South Metro Rental in Lakeville, Minn.
On Dec. 15, 2004, a fire swept through the store, ignited by a bulldozer in the back of the shop. For more than two months afterward, Manager Dale Green and his staff of four full-time employees sifted slowly and methodically through the charred remains of the store, looking for salvageable items and painstakingly creating an inventory of things that had been damaged beyond repair.
Actually, it could have been worse. South Metro Rental had reviewed its insurance coverage just two months before the fire.
The company sent applications to multiple insurance companies, one of which quoted a price based on only about half the value of South Metro’s rental inventory, under the theory that there would never be a case in which all of the equipment would be damaged at once.
ARA Insurance Services, however, insisted on quoting a price based on the full replacement value of all the equipment. South Metro evaluated the risk based on an itemized inventory of the equipment and opted to insure it to full replacement value with ARA Insurance. Fortunately, because the company followed ARA Insurance’s advice, South Metro was adequately insured and received replacement cost in order to rebuild the company’s inventory. That saved thousands of dollars.
Although few rental store owners would choose to put themselves in the position of not being able to cover their losses should they be affected by a disaster like a fire, hurricane or tornado, too many companies end up undervaluing their equipment.
Some do it because they don’t actually know the total value of their inventory — they don’t have access to an accurate and comprehensive inventory.
Some do it because they forget to include the value of items such as parts kept in the shop where they service equipment, or tools that belong to their employees.
Others do it because they don’t really believe that their entire inventory actually needs to be insured. After all, they reason, at any given time there will be some equipment out on rent, some in the yard and — if the company has more than one store — some housed at other locations.
But the worst can — and does — happen. A tornado could damage tools in the yard, tear the roof off the store and overturn equipment at a jobsite. A terrible fire could break out in the store where three of the company’s most expensive items, a set of tractors usually housed one to a location, have all been moved in anticipation of a big rental the next day. When you insure to value, you’re insuring all of your inventory so that you can fully recover in the event of a catastrophe.
Contrary to popular thinking, it’s just not that costly to insure to value. Additional coverage over the basic amount is only incrementally expensive. As the value goes up, the increments go down. That means the first $100,000 in coverage may cost a certain amount, but the next $100,000 will cost less, and the $100,000 after that will cost even less.
We know that rental store owners are a cost-conscious lot, and almost all rental managers and owners know full well the importance of not overspending.
But when it comes to insurance, you’d be penny wise and pound foolish to not insure to value. If you really can’t replace your inventory for the amount quoted, how are you going to run your business?

Risk Management May 2005

National Equipment Register

2009-06-30T06:52:00.000-07:00

June, 2009 Equipment Theft Advisory

4th of July Holiday Warning

Theft reports to NER this spring show that organized criminal elements appear to be driving theft activity nationwide. In addition to typical isolated theft incidents which increase seasonally, thefts targeting specific machines and specific areas indicate the organized criminal element is very active, and increasing their activity in light of current economic conditions. As discussed in two specific alerts on the continued threat against commercial mowers and backhoe loaders, theft prevention measures and the usual deterrents may not be enough to stop these rings.

Thefts by the Numbers:
Top Theft States May, June 2009:
Texas
Georgia
Florida
California
Alabama
Top Types of Equipment Targeted

Tractors: compact, Subcompact and Utility
Commercial Mowers
Skid Steer Loaders
Utility Vehicles/Utility Carts
Backhoe Loaders
Top Theft Locations

Dealerships
Open Job Sites
Rental Yards
Storage Areas/Equipment Yards
Agricultural Fields
IT IS NO LONGER A QUESTION OF IF A THEFT WILL OCCUR BUT WHEN IT WILL OCCUR - RECOGNIZING THEFTS IN PROGRESS MUST BE A NEW FOCUS IN ADDRESSING THE PROBLEM

Undoubtedly, the organized criminal element and small time thieves will take advantage of slowdowns before and during the 4th of July Holiday. Industry and Law Enforcement must educate personnel to recognize and be prepared to respond to thefts in progress that currently are not being detected, allowing thieves to operate with near impunity.
CALL 911! NER strongly encourages any afterhours activity at dealerships, rental and contractor yards and job sites to be reported to local police immediately, especially vehicles entering or exiting the facilities. Companies should provide employees with this alert to raise awareness and increase the number of eyes on the lookout for thefts.
Law Enforcement should be on the alert that any afterhours activity at these locations is most likely criminal in nature- dispatch and patrol personnel must be made aware of this dramatically increasing trend, and provided information on how to respond by making use of NER and NICB's resources through NICB's Law Enforcement hotline- 800-447-6282
Industry should post emergency phone numbers at jobsites, yards and dealerships. Also be sure your emergency contact information on file with NER and the local Construction Industry Crime Prevention Programs is up to date. Update your company phone message with emergency contact information that will reach someone over the holiday.
Law Enforcement should contact NICB for NER's ownership information on any equipment stopped or examined. Any thefts occurring over the holiday no doubt will not be active thefts on NCIC; only the owners can confirm a machine is NOT STOLEN.
Organized Theft Rings

Commercial Mowers and Backhoes Targeted, Organized Rental Frauds

Commercial Mowers thefts and the incredible rate of Backhoe thefts in Miami have both been subjects of NER advisories in the past. Owners are taking steps to prevent theft, but these trends continue to gain steam with no sign of letting up.

Miami Area Backhoe Thefts
NER now lists 19 backhoe loaders stolen in Florida since January, the majority of thefts occurring in the greater Miami metropolitan area. Consistently the machines are stolen from job sites, at times just after workers leave. NER recommends that NO Backhoe Loaders be left on job sites, whether open or fenced, over the 4th of July weekend. All machines should be removed to secure, monitored storage preferably in doors. See the full advisory here:
http://www.stopequipmenttheft.com/NER_Theft_Advisory_Backhoes_Miami_June_09.pdf

The Commercial Mower Theft Juggernaut
Over the years, more enterprising and motivated criminal organizations appear to be involved in the thefts of commercial ride on mowers, and the incidents in 2009 show an alarming brazenness and very little apparent fear of discovery by the offenders. Dealers across the country have heeded warnings from NER and the manufacturers to protect equipment and engage local Law Enforcement before thefts occur. These efforts, though, appear to only motivate the thieves to more complex and premeditated burglaries. Thieves are using stolen commercial vehicles, rented U-Haul vans, and victim's rigs to steal the machines, after they often spend hours at the facilities assembling the machines from crates. They arrive with tools, batteries, fuses, relays and diesel fuel- anything they may need to get the targeted machines into operation. In one incident in Florida, thieves brought a custom constructed bridge specifically fitted to allow machines to traverse a large drainage ditch at a dealership.

Stopping thefts in progress, and connecting Law Enforcement across the country investigating these crimes may be the only way to disrupt this trend, and ease the tremendous financial impact it is having on the industry. Law Enforcement and the industry must work hand in hand to share information, and raise awareness among the general public. See the full advisory at:
http://www.stopequipmenttheft.com/NER_Theft_Advisory_Commercial_Mowers_June_09.pdf

Organized Rental Fraud Rings
Rental fraud and conversion is not a new plague afflicting the rental industry. An increase in organized frauds targeting an increased volume of property and equipment, though, is making the impact of this problem critical for the struggling rental industry. Law Enforcement is encouraged to work proactively with the industry to recognize these offenses as the orchestrated criminal behavior they are. The rental industry is encouraged to work within its own community, the American Rental Association and NER to share information on trends in order to forewarn potential victims and to help Law Enforcement locate offenders. See recent NER and ARA advisories on these acts at:
California Thefts By Fraud (involving potentially armed subjects) http://www.stopequipmenttheft.com/Rental_Fraud_Alert_California_6.4.09.pdf
Texas Identity Theft Fraud http://www.stopequipmenttheft.com/NER_Texas_Rental_Fraud_Alert_6.8.09.pdf
Texas Fraud Artists Pawn Machine http://www.stopequipmenttheft.com/ARA_Fraud_Alert_5.28.2009.pdf

View this advisory as a PDF online at:

www.stopequipmenttheft.com/Hotlist.html

National Equipment Register

skaufman@nerusa.com
561.843.3753
www.stopequipmen
theft.com

Heavy Equipment Theft Summit

2009-05-08T08:17:00.000-07:00

Heavy Equipment Theft Summit

Hosted by:
Massachusetts State Police
Governors Auto Theft Strike Force
June 3, 2009
Stonehill College
320 Washington St., Easton, MA 02356

Sponsors:
ARAM NEWS
The Massachusetts State Police, American Rental Association, ARA of Massachusetts, FBI-LEEDA, National Insurance Crime Bureau (NICB)and National Equipment Register (NER) invite you to participate in this one-day regional summit designed for:Law Enforcement Equipment Owners, Dealers or Rental, and Auction Yards
Insurance Adjusters or Agents General Session - examines the equipment theft problem, recovery challenges and solutions. By exploring the growing problem of construction and agricultural equipment theft, the challenges that hinder equipment recovery and the latest equipment security technologies, attendees will be better prepared to join the fight against equipment theft.

Break-out Classes - provide law enforcement with instruction in equipment identification training, while equipment owners and insurers explore theft prevention strategies and how to increase the chances of recovering stolen equipment.

Catered Lunch - gives equipment owners and law enforcement an opportunity to discuss
issues of common interest and ways to support each other’s efforts.

Registration is FREE for law enforcement,equipment owners and NICB or NER member insurers.
(866) 663-7872
info@NERusa.com

Commercial Dealer

2009-04-21T04:03:00.000-07:00

Check out my latest article in Commercial Dealer:

http://www.commercialdealer.com/news/news.asp?ID=1918

Inland Marine:

2009-04-03T13:17:00.001-07:00

Inland Marine:
Is your Rental Equipment covered?

This coverage should protect your rental equipment against direct physical loss or damage including conversion and theft. Flood and earthquake coverage should be included.

Your policy should also include, but not be limited to, rental equipment such as portable equipment, self-powered
equipment, equipment trailers 10,000lbs and under, tools and equipment that you have re-rented from other equipment dealers or for which you are financially responsible.

The equipment and property described above should be covered on premises, off premises and while being transported.

Please make sure you are covered!

Featured in Commercial Dealer

2009-03-10T11:51:00.000-07:00

Follow this link: http://www.commercialdealer.com/news/news.asp?ID=1866

Are you insured?

2009-03-06T20:11:00.000-08:00

It started like any other morning, the alarm went off , I took a lukewarm shower, shaved and got dressed. I headed downstairs to see what I wanted to pull out from the freezer to cook for dinner. That's when I discovered at some point our hot water heater had sprung a leak. Water flooded much of my basement, at some points up to an inch deep.

I shut down the water, went to the store and grabbed some blowers and a wet dry vac. Once I had things somwhat under control I called my insurance agent of about 15 years. She informed I was covered for the claim and told me to call one of the national "Clean-up" companies. She had me call in my claim to the insurance company and off I went.

The clean up guys came and I showed them the area involved. The supervisor and I went upstairs where he had me sign paperwork that said they could not give me an estimate, if they did give me an estimate it was inaccurate, that I gave them permission to work on my house, that they were not responsible for any damage they might do and that if the insurance company did not pay, I was responsible. Talk about writing a blank check!

The kicker to this is when we went downstairs a few minutes later, all of my carpeting was torn out. Maybe he could have warned me or explained what they were going to be doing? They insisted on using their blowers because they were "better" and the insurance company was paying anyway (maybe). Truth is his machines are my older style machines and work far less efficiently than the machines I brought.

Fortunately the first chapter ends happily. I did have coverage and the insurance company put me back together. New doors where needed, new carpeting, walls painted. It looked nice....

But I got to thinking about my agent. She covered all my property insurance including my cars. I had been with her for over 15 years. But what had she done for me? We had met in her office a few times but she had never been to the house. Her only suggestions were included in form letters about my renewals. I should add flood coverage, I should add an umbrella policy. Never a discussion about, never a follow up to explain why I might want flood insurance or an umbrella policy. After the flood, she never called, never came to see how things were, never asked how her recommendation for a clean up company worked out.

I decided it was time to shop my insurance. I was not looking for the lowest price, that's often going to get substandard coverage and poor service. I was looking for an agent that cared about me, my house, my property. Someone that would show me how to reduce my risks in a cost effective manner. The end result was that at some point this summer I changed my insurance agent and insurance company.

It started like any other morning, the alarm went off , I took a shower, shaved and got dressed. My wife headed downstairs to see what to pull out from the freezer to cook for dinner. That's when she yelled upstairs for me to come down, and bring towels.

December's ice storm was a good test of many peoples insurance coverage for many people. Framingham (where I live) was fortunate, we just got rain. Lots of rain. Unfortunately for me I live in the valley of the street. The lowest point. Water (or sewerage) takes the path of least resistance. Apparently the town sewer could not take care of the vast amount of rain. Unfortunately for me. the path of least resistance in this case was the sewer pipe into my basement. It was everywhere.

I was better prepared this time. I had already pre-shopped clean up services so I knew who I was calling. They said they would be over within two hours. I headed to the store to see how things were there. Everything was ice covered. The store ran a cash register and a set of lights on a generator. We helped customers shop by flashlight.

The clean up company called me and I went home to meet them. They explained what they needed to do. Most of my belongings (couch, table, chairs...) in the basement needed to be thrown out. They needed to remove all the new carpeting. They needed to cut 2' off all the walls. The informed me and made me more comfortable.

I called my new agent. He was not in but his associate got my file. Uh Oh. I had two choices for coverage, the gold plan or the platinum plan. I had chosen the gold. It was $150 a year cheaper but the platinum plan would have given me $5,000 coverage for sewer backup. "You have no coverage for this". sigh.

"Wait", I said. "Did you say $5,000 coverage?". She replied she had. "Keep looking" I said. "Oh....(pause)....you took out a $20,000 rider to cover sewer or sump pump failure, you are covered".

So why did I have the gold plan instead of the diamond? How did I end up with this rider?

Through the care and concern of my new agent.

He had come to the house and visited me. He asked if I ever had trouble because of being the low spot in the neighborhood. I had never had a problem in 11 years in the house. When he explained the difference between the plans, the platinum was $150 more and gave $5,000 sewer or sump pump failure coverage and $25,000 of identity theft coverage. He said he was not so worried about the identity coverage but was concerned about the sewer and sump pumps. I then told him, based on my hot water heater incident, that $5,000 was not enough to cover that any way. He suggested the a $20,000 rider for sewer or sump pump failure, which was only $110 a year and would cover our concerns.

I cannot tell you how happy I am that I changed agents. I was paying good money and deserved better service. Had I not changed agents, I would have not been covered. As for my claim, it right now is at $21,000.

I encourage you to allow your agent to sit with you every two or three years and really look at your business. Where are your risks, where are your concerns. How can they be addressed and what can be done to reduce your other risks. Ask them "what if" questions, listen to their concerns and share your own. Ask them what would happen if .. your building had a sewer backup that flooded it, you had a fire that damaged your equipment and destroyed your computer systems. Who would pay for trailers or tents to be brought in for you to operate out of, for temporary phone connections.

I know we all dread meeting with insurance people but a good agent is doing their job and providing a service to you when they try to help you reduce your risks.

Steve Reitter

John M. Haedo, CIC, CRM

2009-02-20T06:36:00.000-08:00

John M. Haedo, CIC, CRM
Senior Vice President

John Haedo began his insurance career in 1974, a year after his graduation from Temple University in Philadelphia. In 1977, he started Haedo Insurance Agency in Philadelphia, specializing in Property and Casualty and Personal Lines sales. When the last hard market hit in 1985, John closed the doors along with many other independent insurance agents. After a brief stint in the benefits and investments field, John went back to P&C, joining a brokerage firm near his home. In 1989, he began concentrating his efforts exclusively in the equipment rental industry.

Wanting to be back on his own again, John founded NIS with Brian Hall and Mike Thompson. John believes that the customer is #1, period.

Phone: (800) 556-9288
Fax: (800) 556-9299
E-mail: john581@comcast.net

ARA Members Will Be Recognized for Their Service at The Rental Show

2009-02-19T19:16:00.000-08:00

American Rental Association
Moline, IL - During The Rental Show each year, the American Rental Association recognizes individuals for outstanding service to the association and the rental industry. Here is the list of award recipients for The Rental Show 2009, to be held March 2-5 at the Georgia World Congress Center in Atlanta....

Regional Person of the Year Awards
This award recognizes an individual who has made significant contributions at the regional, state or local level. Awards are presented during the regional lunches on March 2.
Region One - Eugene LaPierre, retired, West Springfield, MA.
Region Two - John Haedo, National Insurance Specialists, Garnet Valley, PA.
Region Three - Roscoe Nesmith, Portable Air Conditioning, Cocoa, FL.
Region Five - Dick Fullmer, Caro Rental, Caro, MI.
Region Six - Bob McClelland, Bob McClelland Sales Co./Party On, Buffalo, MO.
Region Six - Michelle Evans, Evans Equipment Co., Glenwood, IA.
Region Seven - Krista L. ORourke, USI Rental Specialties, Elizabeth, CO.
Region Eight - Doug Hanson, A-1 Rentals, Billings, MT.
Region Nine - Sherri Creighton, Pleasanton Rentals, Pleasanton, CA.
Region 10 - Ken Fingler, Hayhurst Elias Dudek, Winnipeg, Manitoba, Canada

ARA Region One Director

2009-02-05T08:00:00.000-08:00

From Your Regional Director

In the words of Ben Franklin, "If you fail to train, you are training to fail." The Rental Show, which is March 2-5 at the Georgia World Congress Center in Atlanta, is THE one place you can get training and educational opportunities that can help your business through these challenging times. You can get new ideas, new ways to make money, new ways to save money, new products to carry ... the list goes on and on. Attending the Show is, for each of us, a wise investment in our business and our future. And with the announcement on Monday that discount registration pricing is extended through the Show, it's a more economical investment as well. (You can find details on travel discounts in this e-mail also.)

One of my goals as director was to rejuvenate the Region One Hospitality Suite. I am pleased to announce that through the generosity of several sponsors, the Suite will be open on Tuesday, March 3, from 5 p.m. to 7 p.m. in room B312 at the Georgia World Congress Center. It will be the chance for you to have a bite to eat, something to drink and to network. The value of what we can learn from each other is tremendous. I need to say a special thank you to our sponsors: National Insurance Specialists, Solutions by Computer and J&J Sales, representing Top-Tec Products, Commercial Seating and Jomar Linens.

I know these times have been tough on us. If you are on the fence between going and not going to the Show, I have a special offer for you. It's important to note that I am making this offer personally. It is not something the ARA is doing, and no other region is eligible for this offer. I am giving away a four-night stay at the Omni Hotel at CNN Center, right next to the Georgia World Congress Center. You will be able to check in on Feb. 28 and check out March 4, allowing you the chance to attend your choice of the pre-Show workshops (Construction U, Events & Tents or Next Generation of Rental Owners, at your own expense) and stay for several days of the Show. The approximate value of the hotel stay is $675 and you can learn more about the Omni here.

If you are interested in winning, please e-mail me at steve.reitter@gmail.com by 5 p.m. Eastern time on Saturday, Feb. 7. The winner will be notified by noon on Monday.

You can find more details on all aspects of The Rental Show online at www.TheRentalShow.com and you can register by clicking here. And if you're looking for a place to eat in Atlanta, you can't miss the Varsity! It's been on the Food Network numerous times and I had lunch there in October. It was awesome (the chili dogs were delicious)!

Discounts Help You Save on Travel

Now is a great time to plan your travel, as there are a variety of airfare discounts available. For example, a round-trip fare from Boston to Atlanta is $159.20 and from New York's LaGuardia it's $169.20. Many of the current discounts require purchasing tickets by Feb. 10 and travel before May 20, which works out well for your travel to The Rental Show. Check the Web site of your favorite airline or travel company to book direct, or call The Travel Business at 800/962-1879 for assistance.

In addition, The Rental Show is registered with AirTran Airways Event Savers Program, which offers a 10 percent discount on the lowest available AirTran one-way fare and other benefits. To take advantage of the program, call 866/68-EVENT (866/683-8368) for reservations. You must use event code ATL030209 and state this is for The Rental Show 2009 when booking. The Travel Business also can assist you with this option.

There also are Atlanta hotel discounts available. Several of The Rental Show's official hotels have lowered their rates for the Show, plus Travel Planners offers its "lowest rate guarantee" for all ARA hotels. Find complete information in the Travel and Housing section of the Show Web site here.

Register for the Region One Lunch, Other Events

Take advantage of all the networking opportunities available during The Rental Show. Be sure to register for the Region One lunch on March 2, sponsored by EDCO - Equipment Development Co. and Kwik-Covers, as well as the Show's two major events: "Georgia on My Mind" on March 2 at the Atlanta Marriott Marquis and "ARA's Gone Country" on March 4 at the Atlanta Civic Center. There's also the new round-table breakfast, which will be a terrific forum for comparing ideas and gaining advice. Details on all of the Show events are online here.

If you have any questions about The Rental Show, please send me an e-mail at steve.reitter@gmail.com or give me a call at 978/562-7317. See you in Atlanta!

Steve Reitter
ARA Region One Director
Robinsons Ace Hardware and Rental
31 Washington St.
Hudson, MA 01749
978/562-7317

Region One Hospitality Suite at The Rental Show

2009-02-03T12:16:00.001-08:00

Tuesday, March 3rd - 5 to 7 PM
Georgia World Congress Center - Room B312

-Sponsored by the ARA State Rental Associations of Region One
CT - MA - ME - NH - NY - RI - VT

-National Insurance Specialists is a vendor sponsor

Top Ten Construction Safety Tips by John Meola, CSP, ARM in forconstructionpros.com

2009-01-28T08:56:00.000-08:00

.....1. Getting on and off equipment
Getting on and off the machine is the No. 1 cause of injury to equipment operators, forklift drivers and truck drivers, any one of whom will readily share their "learning episode." It happens a lot.

First, check your gloves and boots. Clean the mud off before climbing, and use "high grip" gloves for a secure hand hold. Next, use a three-point stance going and coming. Use large size hand and foot holds. Securely engage the entire hand and foot, avoiding a toe-hold or finger-hold grip. Use a step ladder for access when no hand or foot holds are provided. Avoid carrying objects while climbing.

If the machine needs additional hand holds or steps installed, do it. Operators come in different sizes. Make it as easy and safe as possible to ascend/descend. Avoid the need to stretch by putting the grab rails where they're easy to securely reach.

When exiting the machine, correct practice is to lower yourself in a controlled manner - never jump!

2. Loading/unloading equipment
Even on level ground, there is a risk of machine roll-over during loading or unloading. Make sure you are centered on the ramps and stay straight. Allow enough room to maneuver the trailer and machine, which is sometimes difficult on tightly compressed jobsites. Use a spotter for guidance. Make sure the machine clears the ramps before turning. Keep people away from the sides of the machine during loading/unloading.

Check the trailer deck, clearances and stability. Review your lock-out/tag-out plan to be sure the machine is at "Zero Energy State" when stowed.

Use proper tie-down procedures. If using compression chain binders, use caution when opening the handle. The load may shift just enough to add tension to the chain and the handle may spring open. Use safety tie wires or switch to ratchet binders.

3. People crowding the work area
Ask any backhoe operator what their biggest headache is and they will tell you without hesitation - people on the ground crowding the machine. People love to stand at the edge of the hole and watch the dirt being moved. There is usually no reason for them to be there, just force of habit. But why create an exposure to injury when none needs to exist?

People on the ground must stay well away from the machine operating area. Review this important point at safety meetings. Foremen need to enforce this, not the operator.
When ready to start work, use the horn to warn people to stay back; stop the machine if needed; and always check your back before backing up the machine.

4. Machine swing radius
Swing radius accidents are common. How do you think all those scrape marks got on that counterweight? Unfortunately, they are also usually fatal when people are involved.

Thus, it's important to rope off the swing radius around the machine or otherwise secure it. Allow no spectators; use a spotter to keep all people clear.

5. Operation on slopes
Caution is always required when operating on slopes. You might make it up the slope with a load, but coming down is another story! Know the limits of the machine, allow for surface conditions and don't push it.

6. Overhead/buried obstructions
Be aware of overhead obstructions and underground utilities, including electrical lines, water, sewer, gas, telecom, etc.
Definitively mark or warn of overhead lines or low clearances. When digging, call Dig Safe or whichever agency has jurisdiction. Continue to use caution even after underground lines are marked, since errors in marking are common. Be prepared to hand dig when it's getting close.

Use sawhorses, signs, barrier tapes, etc., to indicate obstructions. Take no chances.

7. Backing
Reverse motion on anything in this industry is fraught with peril. Backup alarms on construction machinery are basically cosmetic devices in terms of assuring a clear backside. As such, operators need to positively assure that no one or nothing is behind them. This is achieved by getting out and looking.

Always check the machine perimeter before moving. When vision is impaired, have a spotter (in high-visibility apparel) guide you.

Use wide angle mirrors. The new generation of machines is fitted with best viewable surface mirrors. Keep them clean and adjusted.
Use rear-mounted cameras and/or rear-mounted presence-sensing alarms. Presence-sensing alarms are becoming more reliable as technology improves. The equipment industry recognizes the urgency of the problem and will find technical solutions to address chronic people behavior problems.

8. Machine upset
If a piece of equipment starts to tip, your seat belt becomes your lifeline. Yet, the list of excuses for failure to use seat belts or harnesses is amazingly long. Most operators would make great fiction writers with the excuses they can come up with. If it weren't so grim, we should offer to add their reasons to their obituary.

Always use a seat belt. A professional operator will not have to be reminded of this bed-rock rule. Wear the belt even with the cab door closed. It decreases how much you will bounce around in the cab during normal operations, and may help you control the machine in a borderline upset situation.

In addition, operators need to understand the machine's stability characteristics on all surface types and conditions. Check to see if the equipment manufacturer or dealer offers an instructional video.

9. Instability or loss of load
Moving dirt or bulk materials is fairly straightforward. It becomes more complex when you try to use the hoe as a crane, or otherwise become creative in finding new applications. The best pipe layers in the world might only be "fair" when it comes to rigging. All rigging attachments for lifting must be engineered for safety. Be sure to use:
oversized fittings
positive locking attachments
safety latches on all hooks
correct lifting angles on chains or cable bridles
properly inspected nylon slings
abrasion and cut protection on sharp edges and masonry
spreader beams to provide correct lifting geometry
Keep all people well clear of a load being lifted or handled. Either get the guys out of the trench, or send them to a safe distance when the pipe is being placed. Never lift a load over people.

A lot of serious accidents also occur when trying to use one machine to do multiple functions. Rough-terrain forklifts, skid steers and similar multi-use machines are versatile, but are often pushed beyond their limits for expediency. Operators need to understand that there are limitations that must be observed and safety is primary.

10. Lock-out/Tag-out
Most mechanics will tell you a horror story or two that illustrates why OSHA made the lock-out/tag-out (LOTO) rule. Any raised load (or object, such as the bucket or attachment) is subject to LOTO provisions.

All pinch points on a machine must be identified and protected (guarded) when possible. The minimum warning is a pictorial decal advising of the hazard. If a dump body has a safety "crutch," make sure it is functional and used.

Refueling, service personnel and mechanics need to use positive means to assure their safety while servicing or working on the machine, i.e., wheel chocks, steering wheel covers with LOTO Warning imprint and LOTO locks, tags and hardware configured to the machine.
Review manufacturer directions for safety in all cases, even if this is the fifth generation of machine you bought from the same manufacturer. There are illustrations and directions in all manuals to point out safety features, do's and don'ts, good practices/bad practices, efficiency measures, etc.

Safety focus
The equipment and machinery produced today are the safest and most reliable ever made. To get the most out of these tools and ensure your employees' safety, a comprehensive safety program should not only be in place on all your jobs, it should be relevant, timely, frequently referenced and backed up by top management. Keep your operators and ground crews informed of the hazards they face (i.e., by reading the machine manual), keep them motivated and aware and recognize their accident-free achievements.

John Meola is corporate safety manager for VMS, Inc., Richmond, VA.

The Rental Show - March 2-5, 2009

2009-01-14T12:57:00.001-08:00

Come visit us in booth 1426 on the Party and Special Event side or booth 3703 on the Light Construction and General Tool side.

Georgia World Congress Center - Atlanta, GA - March 2-5, 2009

Show Hours:

Tuesday - March 3 - 10-5
Wednesday - March 4 - 9-5
Thursday - March 5 - 9-2

ARAM Newsletter

2009-01-12T06:29:00.000-08:00

TEMPORARY OPERATORS LICENSES FOR SHORT TERM RENTERS
As we announced at the Vendors Night, the MA Department of Public Safety has begun issuing certificates to rental businesses that wish to be able to offer their customers the “Temporary Operators License” for short term rentals. All equipment operators in Massachusetts that operate any equipment that can lift over 500 lbs, lift to a height of 10 ft. or has more then 1/4 cubic yard capacity are required by law to have an operators license. Our efforts to provide a program that would train our customers and allow them to operate legally has now been approved. If you rent skid steers, loader backhoes and /or mini excavators, you should participate in this program. ARAM has developed an easy to use application and training protocol that is available to members. Email Gene at gene1403@hotmail.com and he will send you the paperwork to get started. ARAM has also put together a training manual that you would use to prepare your customers for their temporary license. We are also putting the final touches on a RenTech program to “Train the Trainer”. This program will teach your staff on the procedures they need to follow in order to comply with the regulations of the Dept. of Public Safety for issuing these licenses. Once dates and locations are set, we will notify you. Get started now, submit your application and begin offering this service to your customers.

IMPORTANT
Do you have trailers in your fleet?
They now need to be inspected.
Go to
www.mass.gov/rmv/inspect
for more information
Note: If your truck or trailer has a currently valid DOT inspection, you do not need to re-inspect. You can wait until the current inspection decals expiration date. If you have any questions about this new program please email them to me at
gene1403@hotmail.com and I will get the answers from the RMV and print them here.
The cost of these inspections can vary from station to station. Shop around, get quotes.
Gene

In Tents Magazine December 2008/January 2009

2008-12-22T09:50:00.000-08:00

Get smart and manage risk
Sometimes you simply can't prevent an insurance claim. Take stock of your business and implement some key best practices to ensure you'll be covered in a worst-case scenario.
Read more.....

Short Term Rental of Compact Hoisting Equipment

2008-12-02T13:51:00.000-08:00

Boston, MA - Friday, November 21, 2008

Today the Massachusetts Department of Public Safety announced that it has issued the first certificate to Rent-All Inc. of Salem, MA approving it’s training program for the Short Term Rental of Compact Hoisting Equipment. This approval comes after many months of effort by members of the American Rental Association of Massachusetts(ARAM). A program of training has been developed to meet the requirements of Mass General Law Chapter 146 and the 520 Code of Massachusetts Regulations. The Certification means that rental stores can now train their non-licensed customers in the operation of certain compact equipment. This program will allow those customers
that successfully complete training to receive a short term license to operate. Robinsons Hardware of Hudson, MA was issued the second certificate. Now that the ARAM proposed training protocol has received DPS approval, ARAM officials anticipate many more stores to participate in this program. In order to offer short term rental customers this temporary license each rental store must have on staff fully licensed operators who will conduct the training. If your store does not have licensed personnel you should immediately send applications to the licensing exam to the DPS. The process can take several weeks to complete since the licensing exams are generally given only once a month. Once you have your licensed operators you can then apply for this DPS certification. ARAM will very shortly begin to offer special RenTech “Train the Trainer” programs across the state. These programs will help assure everyone is on the same page with the training and procedures required by the DPS. There is much more to come concerning the “hoisting” regulations, however this is a long anticipated first move. Let’s all make sure we are doing what is required of us in Massachusetts and we will have a long an mutually beneficial relationship with the DPS.

Information courtesy of ARAM newsletter

INFORMATION CONCERNING THE NEW MASSACHUSETTS COMMERCIAL MOTOR VEHICLE INSPECTION

2008-12-02T13:44:00.000-08:00

Commercial vehicles, trailers and converter dollies will be subject to the enhanced Mass. Commercial Motor Vehicle Inspection beginning 10/1/08.

This inspection will be the equivalent to the annual Federal Motor Carrier Safety Administration (FMCSA) “DOT” inspection. When your vehicle/trailer receives this enhanced state inspection beginning 10/1/2008, you will not be required to obtain an annual “DOT” inspection.
Single, full, or semi-trailers, used in commerce, that have a gross vehicle weight rating (GVWR) over 3,000 lbs or commercial vehicle/trailer combinations with a gross combined weight rating (GCVWR) of over 10,000 lbs will be subject to this new equirement, as will all heavy duty motor vehicles (over 10,000 lbs GVWR) and converter dollies.

The above notice is from the Massachusetts Registry of Motor Vehicles web site. It actually contains good news and bad news. In order to try and understand the changes better I went to visit a commercial vehicle inspection station. It comes down to two things. First, the GOOD news. You no longer need to get your trucks inspected twice. In years past you needed to get the MA
State inspection (the decal on your windshield) and then you needed to get a Federal DOT inspection (the decal usually affixed to the body of the vehicle). Now you only need to get the state inspection. Second, the BAD news. You now need to get these commercial inspections done on your trailers with a GVWR over 3,000 lbs. I’m told the police are looking for the contractors and landscapers, however, our trailers will also attract their attention. Go to www.mass.gov/rmv/inspect for more information

This info courtesy of Gene LaPierre the Executive Director of ARAM

EQUIPMENT THEFT SUMMARY AND ADVISORY

2008-11-25T05:40:00.000-08:00

November 24, 2008
Friday, an NER member rental fleet lost a 2004 John Deere 310-G Backhoe to theft in Miami, Florida. This represents the 30th backhoe reported stolen to NER in southern Florida in 2008. As the theft trends highlighted below illustrate, equipment theft is evolving but not in a positive direction; unfortunately it is becoming more organized, more focused, and more prolific.

As we do at every holiday, NER encourages equipment owners and Law Enforcement to practice vigilance and preparedness in anticipation of the upcoming Thanksgiving holiday- tips are included below. This time, please take heed of these statistics, and recognize how you as an individual officer, investigator or equipment industry professional can have an impact on reversing the trends. Steps taken now can prevent the thefts from occurring which is the greatest way we can actively respond to the ever growing and evolving threat of the equipment thief.

THEFT TRENDS:

Conversion Thefts- reports of thefts by fraud against large and small rental companies are on the rise across the country. Other than the increase in this type of theft, there is no pattern to how it is committed. Some perpetrators use false identification and sophisticated fake credit documents while others simply rent equipment and disappear. Rental companies must be mindful of individuals with no prior rental history or local business ties, but also the old scam of individuals pretending to work for a large company. Take extra steps to verify a customer's identity, and communicate with large companies about their rental authorization policies. When you rent a machine, take action that will help retrieve the machine or locate the customer should the rental go bad. Law Enforcement is encouraged to verify the status of any rented machine with NICB and the renting company. NER's database can be accessed through NICB 24 hours a day, and all member rental companies list emergency after hours contacts who can verify a machines status.
Skid Steer Loaders still are the most stolen machine this month. A growing trend in Georgia is the theft of Tracked Skid Steers or Compact Tracked Loaders, particularly Takeuchi machines. If you have experienced a similar theft, be sure to contact Detective Dan Rossman, Cobb County Police Auto Theft, 770-499-4574 or drossman@cobbcounty.org
Utility Carts/Vehicles - more John Deere Gators, Bobcat Toolcats and Kubota RTV-900's were stolen than tractors or backhoes this month. The popularity of these machines in the market is mirrored by their appeal to thieves. Owners and rental companies should implement physical security measures to prevent the unauthorized use of machines, as often the theft is opportunistic. Dealers need to take proactive measures to protect machines on display and in storage by immobilizing them, blocking them with larger machines or better yet storing them inside at night. Law Enforcement who encounter machines should verify their status with an owner if NCIC returns no hit for theft- NER has encountered many thefts recorded as simple burglaries with no machine PIN/Serials Numbers entered on NCIC.
Older Machines- Western States report a rise in older machine thefts. Its possible these may include insurance scams but also may point to a criminal element burned in the past by newer machines equipped with GPS, and targeting perfectly good older machines which will less likely be GPS enabled. Older machine owners in the 4 Corners States and Nevada should not assume their equipment is less vulnerable due to its age.
Top Four States - Georgia and Texas tied for most thefts, followed by California and Florida.
UNIQUE THEFTS:

High Value Theft of the Month
$100,000+ 2008 Caterpillar D-5-G LGP Dozer, PIN CAT00D5GARKG03618 stolen on a highway project in Western Alabama on November 6. Any machine similar to this, especially being exported anywhere on the eastern sea-board, should be examined with consideration that its identity may be altered or counterfeit- verify ownership on all machines. (Sumter County report # 2008-350)
Image of Similar Machine

Theft Concentration- Miami
NER has received 30 theft reports on Backhoe Loaders in the greater Miami area. 3 Case machines, 6 Caterpillar, 2 Komatsu and 19 John Deere. Undoubtedly this does not reflect all the machines taken in this area- If your agency has received a report on a backhoe theft in this area, or you as an owner have suffered a theft, be sure to report it to NER to ensure the machine data is accurate and so that the data is widely accessible to Law Enforcement nationally through NICB and NER. Take steps to protect your machines in this area not with an attitude that you may be targeted but that you will be targeted. Regardless of make or age, all machines in this area should be disabled when not in operation, or stored in yards or in doors. Be sure you have up to date emergency contact information on your NER Machine Ownership registration.

Law Enforcement is encouraged to examine any backhoe in transit after hours - it most likely will not be on NCIC as stolen as it may have just been stolen. Contact NICB to obtain the NER ownership record and contact that owner. Remember- NCIC only proves machines are stolen- In no way can NCIC confirm a machine IS NOT stolen. Only an owner can confirm his machine is where its supposed to be. Be especially wary of counterfeit or stolen machine PIN plates concealing the machine's true identity. This is another reason to contact the machine owner - to see if you have a machine in two places at once.
Image of commonly targeted John Deere 310 series backhoe

THANKSGIVING HOLIDAY REMINDER

Its doubtful the criminal element behind the evolution of equipment theft will be taking a break this Thanksgiving; equipment owners should not either. Regardless of how significant the theft problem is locally, owners should follow a few common sense principles to reduce their vulnerability to theft, and increase awareness of potential criminal activity in their area.

Pro-Active Measures

1. Disable machines that have to be left on jobsites -have field service mechanics remove battery cables, pull fuses, relays or ignition circuits, or remove tires. Make use of lock up devices that prevent operation - see www.equipmentlock.com for examples. Be sure lighting works to expose activity on a site, not facilitate it. Recent thefts were not deterred by portable chain link fences, which were merely pushed aside or unbolted- have a second line of defense.

2. Leaving a machine or materials loaded on a trailer invites theft- even if secured within a yard. If trailers must be left loaded, immobilize the trailer. Set the frame on jack stands or cribs, remove the hitch or use a hitch lock, and park the trailer away from the gate.

3. Designate an employee or supervisor to make a random check of sites throughout the holiday and over the weekend. Be sure this person knows what machines, tools and materials should be at each site so that missing property is not overlooked, and can be reported quickly and accurately.

4. Contractors and sub-contractors should advise site security guards if any activity is expected over the holiday as thieves are often familiar with the worksite and may even have credentials that they should be on the site or moving equipment. Be certain guards have a contact number so that they can alert you as needed.

5. Let employees know that management will be making spot checks of jobsites - let employee gossip work to your advantage. If you are closed Friday, bring all the machines in Wednesday and spread the rumor that they were all fitted with GPS over the break.

6. Post signs with an emergency contact number, and signs that say you offer a reward for information on thefts or vandalism at a site. Signs can also let the thief know that patrols are in the area and that machine serial numbers are recorded on National Equipment Register's databases, and are accessible to police 24 hours-a-day. Signs are available from CICP ( www.cicpp.com )

7. Contact your local police patrol commander to advise them whether activity should be taking place on your site or at your yard. Provide a 24-hour contact number in case something comes up at your site. If this was done at the start of your project, now would be a good time to refresh that line of communication. Print up a handout with the job address, pictures of your equipment and emergency phone numbers that can be handed out at roll call.

8. Be ready to make a report of any theft, graffiti or vandalism as soon as it is discovered - before an incident occurs, know which agency to call, have an accurate list of equipment serial numbers, and know which machines are at which site. Report the incident immediately to police and call NER with thefts for inclusion in the NER database and theft alerts.
It is critical to report any machine thefts to NER as soon as a Law Enforcement report has been made- NER can catch errors in reporting in the critical period just after the theft when Law Enforcement is most likely to encounter the machine.

9. Thefts and break ins will occur this holiday- be watchful of your equipment and facilities and those of others in your community. Find out before hand what agency to report to should you see something odd on a site or dealer yard, or encounter a machine being moved that maybe should not be. Wouldn't you want someone to call if they saw YOUR machine being stolen?

Act Locally- Get involved with a crime prevention program. In the Pacific Northwest and throughout California, contact the regional Construction Industry Crime Prevention Programs:
CICP of the Pacific Northwest
www.cicpp.com
CICP OF NORTHERN CALIFORNIA
www.constructioncrime.com
CICP OF CENTRAL CALIFORNIA
www.cicpp.org
CPP OF SOUTHERN CALIFORNIA
www.crimepreventionprogram.com

For Agricultural Communities in California:
California Rural Crime Prevention Task Force
www.crcptf.com

ACTION Project
www.agcrime.net

Act Nationally- be sure your equipment is registered on National Equipment Register's databases before a theft occurs. See all the details at:

www.stopequipmenttheft.com or www.nerusa.com

If you have any questions or need more information, please contact NER- analysts are available to assist you make a complete report as soon as possible- call 866-663-7872 (866-6-NER-USA)

More information can be found in NER's free 12 page Theft Prevention Guide available for download at www.nerusa.com/theftPrevention.asp

Have a safe and happy Thanksgiving Holiday.

Many Happy Recoveries,

Stacy Kaufman
Marketing and Sales Director
561.843.3753

______________________________________________________

NOVEMBER HOT LIST
The below HOT LIST includes sample thefts from across the country. NER distributes this alert in addition to regional alerts in order to forewarn owners of activity locally, and to help Law Enforcement recognize activity regionally.

If the list does not appear properly in text format, see www.stopequipmenttheft.com/Hotlist.html
or reply to this message to have it sent as an attachment in PDF

Theft State
Make
Model
Year
Subtype
PIN

AB, CA
JOHN DEERE
317
2005
SKID STEER LOADER
T00317A143718

AL
CATERPILLAR
236-B
2006
SKID STEER LOADER
CAT0236BVHEN04801

AL
CATERPILLAR
D-5-G
2008
DOZER
CAT00D5GARKG03618

AL
CATERPILLAR
257-B
2007
SKID STEER LOADER, TRACKED
CAT0257BLSLK06961

AZ
SCHWING
WP-750
2005
CONCRETE PUMP, TOWED
171012439

CA
BOBCAT
S-250
2006
SKID STEER LOADER
526018572

CA
JOHN DEERE
35-C-ZDT
2004
MINI EXCAVATOR
FF035CX232289

CA
JOHN DEERE
4120
2007
TRACTOR
LV4120H410383

CA
JOHN DEERE
5520
2003
TRACTOR
LV5520S352432

CA
MULTIQUIP
DCA-25
2006
GENERATOR
8101928

CA
SULLAIR
185-DPQ-JD
2006
AIR COMPRESSOR
200602100033

CA
VERMEER
BC-1000
2004
BRUSH CHIPPER
1VRU111A441004290

CO
CASE
1845-C
1990
SKID STEER LOADER
JAF0068607

FL
BOBCAT
331
2005
MINI EXCAVATOR
234313526

FL
JOHN DEERE
310-SG
2007
BACKHOE
T0310SG960832

FL
JOHN DEERE
310-G
2004
BACKHOE
T0310GX929512

FL
JOHN DEERE
310-G
2004
BACKHOE
T0310GX928968

FL
JOHN DEERE
GATOR XUV
2008
UTILITY CART
M0XUVGC021109

FL
KOMATSU
WB-140
2005
BACKHOE
KMTWB001K36A22418

FL
KOMATSU
WB-140
2005
BACKHOE
KMTWB001K36A20992

GA
CASE
450
2008
SKID STEER LOADER
N8M484137

GA
CATERPILLAR
416-D
2002
BACKHOE
CAT0416DABFP06685

GA
CATERPILLAR
330-B-L
1998
EXCAVATOR
6DR02421

GA
CATERPILLAR
320-L
1994
EXCAVATOR
9KK02146

GA
KOMATSU
PC-50-MR
2004
MINI EXCAVATOR
KMTPC094T05007864

GA
TAKEUCHI
TL-150
2005
SKID STEER LOADER, TRACKED
21502166

GA
TAKEUCHI
TL-140
2008
SKID STEER LOADER, TRACKED
21406480

GA
TAKEUCHI
TL-130
2004
SKID STEER LOADER, TRACKED
21302843

HI
CATERPILLAR
226-B-II
2008
SKID STEER LOADER
CAT0226BKMJH11487

ID
JOHN DEERE
GATOR 4X2
2007
UTILITY CART
W04X2SD019056

IL
BOBCAT
S-250
2006
SKID STEER LOADER
530913745

IL
CATERPILLAR
963-C
2003
LOADER, TRACKED
CAT0963CH2DS03067

IL
NEW HOLLAND
TN-75
2002
TRACTOR
001272886

IL
SKYJACK
SJ-3219
1999
SCISSOR LIFT
227541

KY
INGERSOLL RAND
185-WJD
2005
AIR COMPRESSOR
345862UE0221

MD
CATERPILLAR
257-B
2007
SKID STEER LOADER, TRACKED
CAT0257BTSLK06030

MD
JOHN DEERE
TURF GATOR
2001
UTILITY CART
VG0TURF015851

MD
JOHN DEERE
HPX GATOR
2004
UTILITY CART
M0HP4GX018341

MD
JOHN DEERE
TURF GATOR
2004
UTILITY CART
W00TURF019665

MD
JOHN DEERE
6X4
2006
UTILITY CART
W06X4HD004293

MD
JOHN DEERE
6X4
2006
UTILITY CART
W006X4D041580

MD
KAWASAKI
610 MULE
2006
UTILITY CART
JK1AFEA156B514215

MI
CATERPILLAR
257-B
2007
SKID STEER LOADER, TRACKED
CAT0257BESLK06378

MN
BOBCAT
5600-T
2006
UTILITY CART
A00311369

MO
GEHL
4635
2003
SKID STEEL LOADER
303759

MO
NEW HOLLAND
LX-865
1999
SKID STEER LOADER
99601

NE
INGERSOLL RAND
P-185
1995
AIR COMPRESSOR
253565UBF327

NE
KUBOTA
ZG-327
2008
COMMERCIAL MOWER
11066

NM
INGERSOLL RAND
P-185
1996
AIR COMPRESSOR
263149UCG327

NV
CASE
580-L
1999
BACKHOE
JJG0244432

NY
CATERPILLAR
P-5000
2008
FORK LIFT
AT3511813

NY
JOHN DEERE
HPX GATOR
2008
UTILITY CART
M0HP4DX051967

NY
KUBOTA
R-520-S
2008
ARTICULATED LOADER
20124

NY
YALE
GLC
2001
FORK LIFT
E187V16910Y

OH
GENIE
TZ-34-20
2003
AERIAL LIFT, TOWED
TZ3403-296

OH
VERMEER
BC-625-A
2003
BRUSH CHIPPER
1VRU091S431005979

OK
CATERPILLAR
D-5-C
2000
DOZER
7PS01342

OK
JOHN DEERE
2210
2003
TRACTOR
LV2210H113674

OK
JOHN DEERE
GATOR 4X2
2002
UTILITY CART
W004X2X080913

OK
JOHN DEERE
GATOR 4X2
2005
UTILITY CART
W004X2X104633

OK
MASSEY FERGUSON
MF-263
1999
TRACTOR
H37077

SC
CATERPILLAR
252-B
2004
SKID STEER LOADER
CAT0252BTSCP00735

SC
KUBOTA
MX-5000
2007
TRACTOR
58020

TN
CATERPILLAR
287-B
2005
SKID STEER LOADER, TRACKED
CAT0287BHZSA02828

TN
KUBOTA
B-7800
2006
TRACTOR
67294

TX
CASE
580-M
2007
BACKHOE
N7C433075

TX
CATERPILLAR
426
1991
BACKHOE
7BC04908

TX
EZ DUMP

2006
TRAILER
5H20DXLP87W013317

UT
CASE
580-SUPER-L
1998
BACKHOE
JJG0204962

Many of the above machines may be headed to the used equipment market. Equipment buyers can ensure they are not buying stolen property by running an IRONcheck on NER: www.ironcheck.com

Any of the above machines may have been recovered. No action should be taken before the theft status of a machine can be verified with the reporting agency.

Law Enforcement personnel are encouraged to verify ownership or rental status on any equipment by contacting NICB 24 hours a day for access to NER's ownership and fleet records- 800-447-6282 (be prepared to provide your agency ORI)

This alert, and all recent NER alerts, will be available on line at: www.StopEquipmentTheft.com/Hotlist.html

If you have any questions or comments on this alert, or thefts in general, don't hesitate to contact an NER analyst.

National Equipment Register
David Grant Mossman
Senior Analyst
dmossman@nerusa.com

Preventing Theft of Contractors' Equipment

2008-11-21T11:59:00.000-08:00

Preventing Theft of Contractors' Equipment

Introduction

Theft of contractors' equipment continues to be a serious problem for the construction industry. The National Equipment Register (NER) estimates the total value of equipment stolen annually from construction; sites range between $300 million and $1 billion. These statistics represent the value of stolen equipment and do• not include indirect costs from business interruption such as short-term rental costs, project delays, and lost production time. Theft of contractors' equipment has been steadily increasing over the last nine years; the Insurance Services Office (http:/twww.iso.com) reports the value of heavy-equipment thefts has been increasing by as much as 20% each year since 1996. Equipment theft occurs with all types of construction contractors in all geographic areas. A 2005 survey conducted by Equipment World magazine showed that almost 67% of the contractors that responded to their survey had experienced equipment theft.

The frequency of theft closely follows the amount of construction volume in a particular area. Historically, contractors' equipment theft occurrences are divided evenly between organized rings and individual thefts. However, the number and sophistication of professional theft rings that have concentrated on constr1Jction have increased recently. Organized theft rings are using the internet to resell stolen equipment to unsuspecting contractors or dismantle the equipment for resale of parts. Equipment used in North America is often stolen for export to Central and South America.

The construction industry also experiences very poor equipment recovery rates. The recovery rate for stolen contractors' equipment, estimated by the NER to be less than 10%, is a fraction of the national stolen-auto recovery rate of 62%, as stated in the FBI's Uniform Crime Report. (http://www.fbLgo.J/ucr/ucr.htm)

Why is Contractors' Equipment Theft So Prevalent?

The high frequency of contractors' equipment theft, and the very low recovery rate of stolen equipment, is attributed to the following conditions that are inherent to the construction industry.

• Construction sites are often in remote, poorly lit areas.

• Security at construction sites is often lacking (during construction operations and off hours).

• Off-road vehicles and equipment do not require titling and registration. Equipment is only identified by product identification numbers, (PIN), not the standard 17-digit vehicle identification (VIN) numbers used for cars and trucks. PIN formats are not standard and their placement is not uniform.

• Many mobile equipment manufacturers use common keying on their equipment (a single key fits both the cab door and the ignition for each model they manufacture).

• Authorized users of equipment are not always clearly defined.

• Many contractors do not have a good inventory of equipment they own or lease.

• There is a high demand for construction equipment and spare parts, especially when the construction economy is booming.

• Purchases of new equipment often require long lead-time before delivery can be made.

• There is often a delay in theft discovery and reporting (i.e. equipment stolen over the weekend not discovered stolen until Monday morning).

• The lack of pre-purchase checks in the used equipment and spare parts markets.

• Law enforcement has limited resources that can be dedicated to equipment investigations.

All of these factors make the construction industry attractive to thefts. The very low recovery rate of stolen equipment means that thefts are successful the majority of the time. Having stolen one machine, and found how easy it was to resell, causes the theft to continue until being caught. Professional theft rings often pay construction employees for information and availability.

Inventory Control

The first step in effective theft prevention is for contractors to know exactly what equipment they own or lease, and know where it is at all times. Procedures should be established to maintain an inventory control program which records at least the following information on each piece of equipment:

• Equipment manufacturer and model number.

• Serial, VIN, or PIN number if available; if none, a unique number should be placed on the equipment and recorded.

• Date of purchase; information needed in the event of a claim, manufacturers' recall, evaluation of equipment durability and related issues.

• Location of storage and use.

• Photograph.

• Personnel (names or job titles) authorized to operate the equipment.

Equipment owners must look at the mobility of equipment as well as value when looking at which equipment to focus security effort on. All too often contractors only concentrate on high value equipment and do not evaluate the ease of mobility. For example, cranes are high value pieces of equipment on any construction site but are seldom stolen as they are difficult to transport and easily identified thus making them hard to resell. Smaller, more commonly used mobile equipment is usually the target of thefts. According to the National Equipment Register (NER) 2004 Equipment Theft Report, (http://www.nerusa.com/index.asp) three types of construction equipment (skid steers, tractors, and backhoes) account for 68% of the losses; this equipment can be easily transported using a small trailer and easily resold (since they have little unique characteristics.) Other commonly stolen equipment are generators, compressors, welders, pumps, and arrow/message boards since these are also highly mobile (often times trailer-mounted) and easily resold.

Prevention

There is no single method or device that can eliminate theft of contractors' equipment. However, the construction industry and its suppliers have devised various means to limit losses from equipment theft. Theft prevention methods can be categorized as follows:

• Secure the premise worksite

• Secure individual equipment

• Register equipment

• Track equipment

An effective theft prevention program should include more than one approach and should be revised to reflect variations among construction sites. Similar to a contractors safety and health program, supervisors should be held accountable for administrating the theft prevention program and jobsite inspections should be made to verify effectiveness.

Secure the Premise/Worksite: Securing the entire construction worksite is a common theft prevention method used by general contractors. This method can be very effective for smaller, well'-defined sites but can be cost prohibitive for larger, more spread out worksites. Securing the entire premise usually involves one or more of the following controls and provisions.

• Perimeter fencing

• Controlled access points (as few as possible)

• Police patrol or private guard service (particularly during off-hours)

• "No Trespassing" signs posted along the perimeter

• Proper illumination throughout the site

• Closed Circuit Television (CCTV)

Secure Individual Equipment Securing individual equipment and supplies is often the preferred method of theft control. When the contractor does not control the entire site, when the site is large or spread out, or when equipment must be left Where it was last used at the end of each workday. Many contractors, such as street/road and site contractors, leave equipment on site each night to avoid the labor and fuel expenses associated with returning equipment to a central location at the completion of each workday. Securing individual equipment usually involves one or more of the following controls and provisions:

• Lock and key controls specific for each piece of equipment with a written key control program (i.e. use of a signature sheet)

• Use of "high security" locks only (unique key, pick resistant, case hardened or laminated steel)

• Prohibit the use of combination locks

• Use locks, chains and/or 4ables to secure equipment fitted with towing hitches or are trailer mounted; alternatively, remove the towing hitches or trailer wheels .

• Use locking fuel caps on all mobile equipment

• Metal grating over windows and doors of office trailers

• Immobilize office and storage trailers to prevent theft of the entire trailer ~ Locked gang boxes to secure smaller power and hand tools

• Mechanical tire locking devices (i.e. wheel boot device) to immobilize construction vehicles.

• Alarm systems that disable the equipment and/or sound an alarm if a theft attempt is made

Register Equipment: The National Equipment Register (NER) (http://www.nerusa.com/index.asp) offers a voluntary registry service that will register construction vehicles and make this database available to law enforcement to assist in the recovery. All registered vehicles are marked with NER decals, which increases the likelihood of detection while moving, storing, or selling the equipment, and acts as a theft deterrent. The registration consists of entering a machine's serial number, engine number, transmission number, and other selected identification numbers into a NER database.

Track Equipment: There are theft deterrence systems that track equipment after a theft is discovered and others that continuously track equipment. For example, LoJack's system for construction equipment is designed to recover stolen construction vehicles and equipment. When the owner discovers the equipment missing and calls law enforcement to report the theft, the system automatically becomes activated.

Global positioning system (GPS) fleet management systems have an inherent theft detection and tracking capability by continuously monitoring (tracking) construction equipment. Most GPS systems have a "geofence" capability that generates an alert if a vehicle leaves a permitted area or enters a prohibited area. In addition, many systems can define a secure period (Le. off-hours) and generate an alert if a vehicle moves or is moved during that period. Another inherent capability of a GPS-based system is the use of software to electronically disable vehicles so they cannot be illicitly moved (electronic lockdown). With this system, a contractor can remotely disable or enable equipment ignition, monitor vehicle condition, and generate an alarm if the equipment moves outside of predetermined boundaries.

Training

Effective theft prevention requires both management commitment and operator involvement. Management should establish written procedures for the shut-down, security, and storage of construction equipment. Written guidelines should be established on securing equipment during overnight stays and/or whenever operators are allowed to take equipment home. Superintendents and foremen should be held accountable for administering the company's theft prevention program.

Equipment operators should be involved throughout the process and be trained in the following:

• Secure vehicles and other equipment even when leaving it for short periods of time

• Park vehicles in well lit, high traffic areas whenever possible

• The company's inventory control program

• Use and maintenance of established theft prevention controls

This training should be included in the orientation program and reinforced during regularly scheduled training sessions (Le. "toolbox talks"). In addition, equipment operators should be consulted to provide input on possible theft control measures for the equipment they use.

For More Information

For additional information specific to your need, please contact your Hartford loss control consultant, or visit us at www.thehartford.com.

The information provided in this document is of a general nature, based on certain assumptions, and is intended as background material. The contents of this document may omit certain details and cannot be regarded as advice that would be applicable to all businesses. The background presented is not a substitute for a thorough loss control survey of your business operations. Readers seeking resolution of specific safety issues or business concerns regarding this topic should consult a professional safety consultant. We do not warrant that the implementation of any view or recommendation contained herein will result in the elimination of any unsafe conditions at your business locations or with respect to your business operations. Further, we do not warrant that the implementation of any view or recommendation will result in compliance with the health, fire, or safety standards or codes of any local, state, or federal ordinance, regulation, statute or law. We assume no responsibility for the control or correction of hazards, and the views and recommendations contained herein shall not constitute our undertaking, on your behalf or for the benefit of others, to determine or warrant that your business locations or business operations are safe or healthful, or are in compliance with any law, rule or regulation. Accordingly The Hartford disclaims any liability for loss, damage or injury to you, your employees, invitees, or any third parties, as a result of any views or recommendations expressed herein.

105723 Printed in U.S.A. © 2005 The Hartford, Hartford, CT 06115

Product Liability Risk Transfer Techniques: Certificates Of Insurance, Waivers of Subrogation, Hold Harmless Agreements

2008-11-19T14:04:00.001-08:00

Loss Control TIPS

Innovative Safety and Health Solutions-

Product Liability Risk Transfer Techniques: Certificates of Insurance, Waivers Of Subrogation, Hold Harmless Agreements

Introduction

In many instances, the liability from failure of a component in a manufacturer's product is far from clear. Questions of liability also arise when a subcontractor installs your product or performs any services on your behalf, or when a contractor's employee is injured in your workplace. One way to avoid such confusion and your assuming unintended liability is to employ a strategy where your suppliers, contractors, and subcontractors agree to assume the risk or indemnify you.

Adequate insurance of the other party, verified by Certificates of Insurance, along with Waivers of Subrogation and Hold Harmless Agreements are important assurances. These guidelines are meant to assist you in applying each of these risk transfer techniques- These guidelines are not however, an appropriate substitute for adequate insurance or loss prevention on your part.

Certificates of Insurance

To minimize liability arising out of the work of contractors or subcontractors or a suppliers component part, begin by ensuring that the other-party carries General Liability, Product Liability, and Workers’ Compensation insurance. A Certificate of Insurance is a document attesting to the existence and limits of coverage on the other party. Issued to you by the other party's insurer, Certificates of Insurance also allow you to receive notification of lapse of coverage. Check to be sure that:

- The Policy is in force and issued by a reputable domestic insurer

- The policy covers Comprehensive General Liability; Product Liability, and Workers' Compensation

- The policy limits are equal to or greater than your own

- You are named as the Certificate holder

Waivers of Subrogation

Even if each of your vendors, contractors, or subcontractors is insured adequately, their insurers have a right to seek subrogation (i.e., to recover some or all of their costs) from you if they believe you were at fault or that you caused the event that gave rise to the claim. Obviously, this can result in significant legal actions and blaming between parties.

To avoid such actions, you would need to have a waiver of subrogation from the other party's insurer prior to any loss. The waiver of subrogation is an endorsement to the insurance policy issued to the other party. Remember these important points about waivers of subrogation:

• A waiver should be general and encompass all hazards, locations and operations for which the other party is responsible in their work for you

• A waiver should not contain limitations as to the specific entities, locations, or work; it should cover all operations conducted by the other party for you

• A waiver should not contain clauses requiring the consent of the named insured (the other party) for the waiver to be applicable

• A waiver is necessary even if no specific clause in the policy of the other party expressly permits subrogation.

Hold Harmless Agreements

To maximize your protection, you may wish to seek a Hold Harmless Agreement from your vendor, contractor, or subcontractor. This agreement is a legally binding contract by which the other party agrees to hold you harmless for any liability arising out of their work, including liability for claims that would not be covered by insurance (e.g., costs of recall). Note in particular that these agreements even cover situations where you are solely negligent. Remember these important points about hold harmless agreements:

• Hold harmless agreements must be in writing and must clearly state the indemnifying party's (the other party's) responsibility to indemnify you against liability or loss or damage.

• If a corporation signs the agreement, the authority of the person signing should be apparent (e.g., vice-president). Most corporate bylaws permit a vice-president to contractually bind the corporation. The same may not be true for corporate secretaries, treasurers, managers, etc.

• The preferred form of Indemnity Agreement is one that indemnifies against liability, since it does not require that actual damages be shown before the agreement operates. For this reason, Indemnity agreements that indemnify against "liability" are preferred and should go so far as to require the indemnitor to "defend against suits/actions" and should also include legal fees and costs incurred by the indemnitee (you) in their own defense of the claim or suit.

• The agreement should not have a term or be cancelable without sufficient notice.

• There should be no limitations on the amount of time in which to make a claim.

• There should be no limitations on the amount of the indemnitor's liability.

• The agreement should state specifically that the indemnification is provided for your own negligence.

© 2002 The Hartford Loss Control Department

Guide For Determing Preventability of Motor Vehicle Accidents

2008-11-19T10:41:00.000-08:00

DEFENSIVE DRIVING

The Safe Driver Award Plan is designed to recognize expert safe driving performance, not just average performance. The Award is based on the concept of defensive driving - the ability to avoid accidents in spite of the wrong actions of the other driver and in spite of adverse driving conditions.

PREVENTABLE ACCIDENTS

A "Preventable Accident" is one in which the driver failed to exercise every reasonable precaution to prevent the accident. This is irrespective of whether or not there is property damage or personal injury, the extent of the loss or injury, to whom it occurred and the location of the accident.

In order for a person to avoid being involved in a preventable accident, each driver must understand and practice the concept of defensive driving. "Defensive driving" is driving so as to prevent accidents in spite of the incorrect actions of others and adverse driving conditions; such as light, weather, road, traffic, vehicle condition and your physical and mental state.

In interpreting this, the Council lists the following preventable accidents:

1. INTERSECTIONS

It is the responsibility of all drivers to approach, enter and cross intersections prepared to avoid accidents that might occur through the actions of other drivers. Complex traffic movement, blind intersections, or failure of the "other driver" to conform to law or traffic control devices will not automatically discharge an accident as not "preventable." Intersection accidents are preventable even though the driver has not violated traffic regulations. Failure to take precautionary measures prior to entering the intersection are factors to be studied In making a decision. When a driver crosses an intersection and the obvious actions of the "other driver" indicates possible Involvement either by reason of excessive speed, crossing the lane in turning, or coming from behind a blind spot, the decision based on such entrapment should be PREVENTABLE.

2. VEHICLE AHEAD

Regardless of the abrupt or unexpected stop of the vehicle ahead, a driver can prevent rear-end collisions by maintaining a safe following distance at all times. This includes being prepared for possible obstructions on the highway, either in plain view or hidden by the crest of a hill or the curve of a roadway. Overdriving headlights at night is a common cause of rear-end collisions. Night speed should not be greater than that which will permit the vehicle to come to a stop within the forward distance illuminated by the vehicle's headlights.

3. VEHICLE BEHIND

Investigation often discloses that drivers risk being struck from behind by failing to maintain a margin of safety in their own following distance. Collisions involving the rear of the vehicle, which are preceded by a roll-back, an abrupt stop at a grade crossing, when a traffic signal changes, or when the driver fails to signal a turn at an intersection, should be charged PREVENTABLE. Accidents resulting from the failure to signal intentions or to slow down gradually should be considered preventable.

4. PASSING

Failure to pass safely indicates faulty judgment and the possible failure to consider one or more of the important factors a driver must observe before attempting a maneuver. Unusual actions of the driver being passed or of oncoming traffic might appear to exonerate a driver involved in a passing accident; however, the entire passing maneuver is voluntary and the driver's responsibility.

5. BEING PASSED

Sideswipes and cut-offs involving a driver being passed are PREVENTABLE when the driver fails to yield to the passing vehicle by slowing down or moving to the right where possible.

6. ONCOMING

It is extremely important to check the action of a driver involved In a head-on or sideswipe accident with a vehicle approaching from the opposite direction. Exact location of vehicles prior to and at the point of impact, must be carefully verified. Even though an opposing vehicle enters a driver's traffic lane, It may be possible for the driver to avoid the collision by slowing down, stopping or moving to the right. Failing to signal the opposing driver by flashing the headlights or sounding the horn should also be taken into account.

7. FIXED OBJECTS

Collisions with fixed objects are PREVENTABLE. They usually involve failure to check or properly judge clearances. New routes, strange delivery points, resurfaced pavements under viaducts, inclined entrances to docks, marquees projecting over a traveled section of road, and similar situations are not, In themselves, valid reasons for excusing a driver from being involved in an accident. A driver must be constantly on the lookout for sllch conditions and make the necessary allowances.

8. PEDESTRIANS

Since a driver of a motor vehicle has the responsibility to yield the right of way to pedestrians, primarily due to their vulnerability to injury when involved in an accident, most pedestrian accidents are PREVENTABLE. An unusual route of a pedestrian at mid-block or from between parked vehicles does not relieve a driver from taking precautions to prevent such accidents. Whether speed limits are posted or the area is placarded with warning signs, speed may be too fast for conditions. School zones, shopping areas, residential streets, and other areas with special pedestrian traffic must be traveled at reduced speeds equal to the particular situation. Bicycles, motor scooters, and similar equipment are often ridden by young and inexperienced operators. The driver who fails to reduce speed and increase side space cushions when approaching this type of equipment has failed to take the necessary precautions to prevent an accident. When unusual conditions call for a voluntary reduction of speed, merely keeping within posted speed limits is not taking the proper precaution.

9. PRIVATE PROPERTY

When a driver is expected to make deliveries at unusual locations, construction sites, etc., or on driveways not built to support the weight of the vehicle being driven, it Is the driver's responsibility to discuss the operation with the proper authorities and to obtain permission prior to entering the area

10. PASSENGER ACCIDENTS

Passenger accidents in any type of vehicle are PREVENTABLE when they are caused by faulty operation of the vehicle. Even though the incident did not involve a collision of the vehicle, it must be considered PREVENTABLE when a driver stops, turns, or accelerates abruptly. Emergency action by a driver to avoid a collision that results in passenger injury should be checked to determine n proper driving prior to the emergency would have eliminated the need for the evasive maneuver.

11. NON•COWSION

Many accidents, such as overturning, jack-knifing, or running off the road, may result from emergency action by the driver to avoid being involved in a collision. Examination of events prior to the incident may reveal speed too fast for conditions or other factors. The driver's actions prior to Involvement should be examined for possible errors or lack of defensive driving practice.

12. MISCELLANEOUS

Projecting loads, loose objects falling from the vehicle, loose tarpaulins or chains, doors swinging open, etc., resulting in damage to the vehicle, cargo, or other property or injury to persons, are PREVENTABLE when the driver's action or failure to secure them are evidenced, Cargo damage, resulting from unsafe vehicle operation, is PREVENTABLE by drivers.

13. PARKING

Unconventional parking locations including double parking, failure to put out warning devices, etc generally constitute evidence for judging an accident PREVENTABLE. Roll•away accidents from 8 parked position normally should be classified PREVENTABLE. This Includes unauthorized entry Into an unlocked, unattended vehicle, or failure to properly block wheels or to turn wheels toward the curb to prevent vehicle movement.

14. BACKING

Practically all backing accidents are PREVENTABLE. A driver is not relieved of responsibility to back safely when a guide is involved in the maneuver. A guide cannot control the movement of the vehicle; therefore, a driver must verify all clearances.

CONCLUSION

It is impossible to describe in detail the many ways a driver might prevent an accident without being primarily or legally responsible. The paragraphs of this guide merely emphasize the most frequent occurrences based on past decisions of the Accident Review Committee.

The following definition of Defensive Driving should be applied to all accidents involving your drivers.

DEFENSIVE DRIVERS make no driving errors themselves and allow for lack of skll or improper driving practices of other drivers. DEFENSIVE DRIVERS adjust their own driving to compensate for unusual weather, road, and traffic conditions and recognize the need for caution in situations conducive to accident involvement. By being alert to accident producing situations, a DEFENSIVE DRIVER recognizes the need for preventive action in advance and takes the necessary precautions to avoid being involved in an accident. A DEFENSIVE DRIVER knows when it is necessary to slow down, stop, or yield the right-of-way to avoid involvement.

•THE HARTFORD•

Insurance Is No Assurance - ForConstuctionPros.com

2008-11-18T18:26:00.000-08:00

Click here

Trailers Maintenance and Service

2008-11-18T18:07:00.000-08:00

ARA
National Highway Traffic Safety Administration
Driving Tips

Installing, teardown, maintenance and storage of tents:

2008-11-18T15:40:00.000-08:00

Tents 2008: a primer on maintenance

Before:

Check local codes and permit requirements.

Check ground and soil conditions call before you dig.

Determine anchoring needs for the tent(s).

Check flame certificates and engineering, both for the tent and accessories attached to the tent.

Check accessibility to site.

Determine install and strike timelines.

Look for physical obstructions, such as aerial wires, trees or rocks.

Get clearance on underground electrical and plumbing (see story on page T25).

Get permits for the location.

Check the weather report for/on the day of installation.

Load all tents, accessories, equipment and materials needed.

Check parts of the tent including: webbing, stitching, seams, buckles, snaps, ratchets, winches, frame fittings, tent jacks, pole fittings, frames and joints for any wear, cracks or cosmetic damage.

Installation:

Keep an eye on the weather.

Keep tents at least 10 ft. from all power lines.

Keep vinyl dry.

Use clean and dry cotton dropcloths.

Check tent fabric for pinholes or damage.

Check framing and poles for fractures, cracks or bends.

Check anchor points.

Check and tighten all nuts, washers and bolts.

Assure that fabric tensioning is firm.

Check pole pins and secure.

After:

Keep an eye on the weather.

Check tent fabric for holes, rips or tears.

Check framing for damage.

Check tie-downs for wear.

Check for moisture.

Examine the tent for dirt or stains.

Inventory damage to repair.

Examine property condition.

Check for tent stakes left in ground.

Look for screws from flooring.

Make sure electrical wires are picked up.

Do an inventory count.

Storage:

Make sure the tent is clean and dry.

Patch rips, cuts and tears.

Repair any damage to framing.

Wipe down hardware.

Neatly roll or fold vinyl.

Seal tent in a bag, barrel or racking system to keep out dirt and dust.

Maintain tent storage temperature.

Training topics:

Product information and manufacturer instructions.

Local and international codes and requirements.

Flame certificates, engineering and permits.

Emergency exits.

Safety precautions.

Lacing.

Knots.

Ratcheting.

Staking.

Folding.

Frame assembly.

Inspection of tent fabric and parts.

Stake pullers and stake drivers.

Dismantling.

Loading and unloading trucks.

Doing inventory.

Communicating with customers.

Documentation of events.

Seasonal practices:

Inventory all products.

Check inventory against use.

Grade inventory for event use.

Determine inventory needs for next season.

Inspect and grade fabric condition.

Repair all fabric.

Clean all aluminum poles.

Repaint poles.

Check structural elements for cracks, bends or damage.

Repair any structural damage.

Always call 811 before starting any digging project!

2008-11-18T15:30:00.000-08:00

One easy phone call to 811 starts the process to get your underground utility lines marked for free. When you call 811 from anywhere in the country, your call will be routed to your local One Call Center. Local One Call Center operators will ask you for the location of your digging job and route your call to affected utility companies. Your utility companies will then send a professional locator to your location to mark your lines within a few days. Once your underground lines have been marked, you will know the approximate location of your utility lines and can dig safely, because knowing what's below protects you and your family.

Always call 811 before starting any digging project!

www.call811.com

ARA of Connecticut Annual Vendor Night Program:

2008-10-30T08:35:00.000-07:00

Upcoming Event - Nov. 12

The Connecticut Association of Rental Dealers
Cordially invites you to our
Annual Vendor Night & Dinner

See Whats New from our Associate Members.

Over 30 Vendors will be there to highlight their products in an informal setting...

Enjoy a Sumptuous Buffet Meal with Friends

Relax. . . Enjoy. . .Be Educated and Entertained!

C.A.R.D. Membership is a free benefit of your ARA Dues!

Wednesday, November 12, 2008

Show Starts at 5 p.m.

Holiday Inn North Haven, CT
631 Washington Ave., (exit 12 off I-91)

Up to four guests per store free

Additional Guests at $25 per person. Cash Bar.

Last years Vendor Night was a sell out... If you were there, you know what fun we all had! Dont miss the 2008 Edition. Over 30 Vendorsand Surprises in Store!

Feature Presentation by Action Coach
"Growing Your Business in Hard Times"

RSVP TODAY!

FLASH.. Now Accepting Nominations for 2009 Officers! Volunteers are needed for all offices.

Make a difference by serving OUR state ARA Organization!

RSVP BY NOVEMBER 1, 2008
by calling Sherri Woronick 860-747-5731
Fax to 860-747-3371
email taylorrentalsw@aol.com.

Or mail the attached form to
CARD c/o Taylor Rental
346 East St., Plainville, CT 06062

Store Name& Address: ___________________________

Number Attending: ______First Four Attendees are FREE!

$25 per additional guest due in advance
Payable to Ct Association of Rental Dealers

ARA of Massachusetts Vendors Night:

2008-10-30T08:33:00.000-07:00

2008 ARAM VENDORS NIGHT

Tabletop Showcase
With A Special Salute to Our Veterans
Tuesday, November 11th at
The Holiday Inn - Marlboro

ADDRESS:
265 Lakeside Ave
Marlboro, MA 01752
(508) 481-3000

SPECIAL RAFFLE FOR THOSE WHO REGISTER NOW!
Rentabilities has donated a pair of 9th Row Patriots Tickets
(These tickets are for the Patriots vs. Jets game on November 13th, 8:30pm)

All you need to do is register by Wednesday, November 5th, and you will be entered into the special drawing for these great tickets.

Exhibits Open To All

Buffet Dinner - $30.00 per person

TIME:
5:00 p.m.

Join your fellow ARAM members for a fun and informative night with our Associate Members.

Building on last years successful format, ARAM will once again present our indoor Table Top Showcase.

There will be displays to interest everyone. General Rental, Equipment Rental and Party Rental, will all find something of interest.

Bring your staff and let them meet some of our industries best suppliers. Its a great time for them to ask questions and learn more about the equipment you rent.

Check out the November issue of the ARAM Newsletter for more information on the vendors that will be there and some of the Show Only specials. As always there will be great door prizes.

Partial List of Door Prizes

-John Deere Equipment Model
-Ditch Witch Hooded Sweatshirt
-VA 14 Premium Rescue Blade
-ABS 2 Electric Submersible Pump
-Dri-Eaz Guide to Restorative Drying
-Dixie Diamond 14 Diamond Blade
-Accent Printed Products Golf Shirt
-$25.00 Gift Certificate from True Value

And Many More...

The Hotel needs a count for food, so please e-mail your reply today!

RSVP to Gene1403@hotmail.com

MOTOR VEHICLE FLEET Management Bulletin

2008-10-30T08:14:00.000-07:00

Drivers have historically operated their vehicles without direct supervision. In most cases they are lone employees. But with the advent of computers and the fast pace of technology! Products now exist that allow you to monitor driver habits and behaviors. As a fleet manager it is your responsibility to reduce vehicle crashes/collisions. You cannot succeed with this task unless you can measure and monitor your driver's behavior. You can only control what you monitor!

To reduce the frequency and severity of collisions you must stop the driving behaviors that cause them. In-vehicle technology now can identify poor habits and behaviors and measure them from the data that is collected. You can then identify strategies to change your drivers' behaviors. Drivers need feedback and technology is now available to provide such feedback - in some products - real-time feedback.

In-vehicle technologies that assist both management and drivers:

Collision Avoidance/Warning - Sensors installed in the vehicle scan the road ahead for vehicles or obstacles. When an obstacle is detected! the system determines whether the vehicle is in immediate danger of crashing. If so! the driver is warned by a tone! warning light or a head-up display.

• Adaptive Cruise Control - Combination of collision avoidance technology and existing cruise control. The system will maintain distance/separation behind a vehicle.

• Rollover Detection and Prevention - Use either in-vehicle sensors or highway installed sensors. The system alerts the driver that the driver may be exceeding the speed at which a rollover may occur.

• LaneTracking or Lane Departure Warning - If the vehicle moves to the edge of the roadway and/or.a lane marking an audible warning in the vehicle is triggered if the appropriate turn signal is not used.

• Side Proximity/Sensing Devices - Similar to collision avoidance systems. The system gives an alarm to assist in preventing sideswipe crashes if it detects or senses an object.

• Vehicle and Cargo Tracking Systems - Use GPS (global positioning system) to track the vehicle! cargo! trailer! etc. to identify its position.

Driver Alertness Monitors - Measure driver alertness by monitoring either individually or a combination of eyelid movement! blink rates! head movement and steering wheel movement.

• In-Vehicle Event Data Recorder (EDR) or "Black Box" - Devices that constantly record information related to vehicle performance. Data monitoring may include seat belt usage, drivers steering and brake input, airbag and seat belt tensioners, speed and deceleration information, information from ABS brakes and vehicle location. It may also send automatic collision notification.

• In-Vehicle Cameras - Camera recording systems that are activated by a preset g-force when the g-force is exceeded. The camera saves both video and audio before and after the "event".

A typical drivers past behavior is normally indicative of their future performance. This is the reason why motor vehicle records should be reviewed prior to hire of a driver and periodically thereafter. Drivers make hundreds of unsafe or poor decisions before a crash occurs. Unsafe decisions lead to near misses and generate data. Through the use of technology and telematics the data generated can be captured and analyzed - which can be managed. Criteria that may be captured:

• Do your drivers exceed the speed limit?

• Do they wear their safety belts?

• Do they hard brake?

• Do they hard accelerate?

• Do they hard corner?

• Do they follow too closely?

• Do they "expect the unexpected?

Managing such data and providing constructive feedback to your drivers should reduce incidents, damage injuries/fatalities and also the costs involved. Remember -

What You Monitor You Can Control

What You Don't You Won't

Quote by Dudley Moore -

"The best safety device is a rear view mirror with a cop in it.”

Resources & References

Road Safety International, Inc.

"In-Vehicle Safety Feedback, Professional Safety - January 2005 www.asse.org

The information provided in this document is of a general nature based on certain assumptions, and is intended as background material. The contents of this document may omit certain details and cannot be regarded as advice that would be applicable to all businesses. The background presented is not a substitute for a thorough loss control survey of your business operations. Readers seeking resolution of specific safety issues or business concerns regarding this topic should consult a professional safety consultant. We do not warrant that the implementation of any view or recommendation contained herein will result in the elimination of any unsafe conditions at your business locations or with respect to your business operations. Further, we do not warrant that the implementation of any view or recommendation will result in compliance with the health, fire, or safety standards or codes of any local, state, or federal ordinance, regulation statute or law. We assume no responsibility for the control or correction of hazards, and the views and recommendations contained herein shall not constitute our undertaking, on your behalf or for the benefit of others, to determine or warrant that your business locations or business operations are safe or healthful, or are in compliance with any law, rule or regulation. Accordingly The Hartford disclaims any liability for loss, damage or injury to you, your employees, invitees, or any third parties, as a result of any views or recommendations expressed herein.

MATRA Conference 2008

2008-10-28T12:51:00.001-07:00

November 4th, 5th & 6th, 2008

"The Show for the Tent Professional" for 2008 is heading North to the coastal scenery of New England. With remarkable outside space accomodating our ever growing tenting conference, the Crowne Plaza Hotel encourages MATRA attendees to appreciate the open grounds surrounding the Hotel. Housing several College/Universities in the Providence area, it's only fitting that we begin this conference with a "MATRA University" theme where attendees will have opportunities to take "101" courses as well as "extended" courses involving tent safety and education. See Program Schedule
A new design layout for Exhibitors will be featured this year under the three large trade show tents. Attendee and Exhbitor information on the conference is located under the "Conference Link" at the top of this page and on the "Quick Links" section to the right.

Reserve your Hotel Room: Crowne Plaza Providence/Warwick, Rhode Island. Room rate $141.00. GROUP CODE: MID. Direct Phone: 401-732-6000. Crowne Plaza 800 is 800-2CROWNE. You may also use the "Hotel Online Registration Link" . CUTOFF date is 10/15/08.

Tent Installation and Safety Program at the MATRA 2008 Conference
Two Associations, MATRA's "Show for the Tent Professional" and IFAI's " Setting the Standards in the Tent Rental Industry", are partnering to present a ONE Day Workshop offered at this year's MATRA Conference. The workshop will be on Tuesday, Nov 4th starting at 8:30 am sharp and will end at 4;00 pm.
By participating in this workshop, attendees will increase their awareness of personal safety for the installer and follow guidelines for a safe tent installation, including site survey, layout and squaring, staking and anchoring, installation of a frame tent and the final quality assurance installation check.
View a short video on what this program will offer during the conference. See Program Schedule
Space will be limited. An additional fee of $79 per person will be required for this workshop. NOTE: Pre-registration price of $79 by 10/13 or $99 from10/14 to 10/24. No on-site registration for this course available.
Handouts, refreshments and lunch will be provided. Attendees will receive a Certificate of Attendance at the end of the course.

Write a Solid Rental Agreement - Lifts and Access

2008-10-09T17:12:00.000-07:00

October 9, 2008 - When getting an insurance quote for your rental business, the insurer will usually ask for a copy of your current rental agreement. (If they don't, find a new insurance company.) Why is this document an important part of the underwriting process? What is the insurance company looking for? They are ensuring that you've done everything possible to protect your assets. And your rental agreement should contain key elements and verbiage that reduce everyone's level of risk...Read full story

Defensive Driving Course

2008-10-08T12:04:00.001-07:00

For the month of October 2008, the American Rental Association is offering the online Defensive Driving Course from the National Safety Council at a discounted price of $20 per course. This will save you money while promoting safe driving and reducing your risk for vehicular accidents.
The course is available in both English and Spanish. It covers rules of the road, driving in adverse conditions and presents strategies on how to drive defensively and prevent collisions.
Once the course is completed you will receive a certificate that you can present to your insurance company for a possible reduction of your premium.
Go to www.ararental.org and click on "Products and Services."

True Value Fall Market Oct. 17-20, 2008

2008-10-07T10:02:00.000-07:00

True Value Fall Market 2008
Atlanta, GA
October 17th-20th

Insurance Is No Assurance

2008-10-07T09:53:00.001-07:00

http://www.forconstructionpros.com/online/The-Back-Office/Insurance-Is-No-Assurance/7FCP11116

The Hartford Update

2008-10-06T12:54:00.000-07:00

Hylant Group website link: http://www.hylant.com/thehartfordupdate.htm

ARA of New Hampshire Vendor Night

2008-09-27T09:24:00.000-07:00

October 2, 2008

Vendor Night at Bobcat of NH

The Best Offense is a Good Rental Agreement

2008-09-18T13:42:00.000-07:00

When getting an insurance quote for your rental business, the insurer will usually ask for a copy of your current rental agreement. (If they don’t, find a new insurance company.) Why is this document an important part of the underwriting process? What is the insurance company looking for? They are ensuring that you’ve done everything possible to protect your assets. And your rental agreement should contain key elements and verbiage that reduce everyone’s level of risk.
A well-written and clearly presented rental agreement creates a winning scenario for you as well as the renter and the insurance company. You win when your agreement addresses all of the contingencies and costs of operating the business. You win when customers understand and agree to abide by the agreement or the consequences of default. You win every time you avoid a legal dispute or insurance claim.
A good rental agreement does not ensure everyone will be satisfied in the event of an unfortunate incident. But when the rules are outlined, the outcome of the incident is clear, leaving little room for dispute or blame. The significance of the rental agreement is just like any other contract. A rental agreement is really a list of previous problems that can hopefully be avoided. All of the “legalese” are included in the agreement because business owners want assurance of protection, especially if they have been burned in the past. In addition, a good agreement also protects the insurance company. Remember, your insurer sees more problems annually than you will see in your business lifetime so they are well aware of the relative risk. But other business owners have unfortunately discovered the hard way that all the bases weren’t covered the way they should be.
A typical rental agreement contains several key provisions designed for your protection. Some provisions are so important that an insurance company will not insure you without them. Other provisions work together to eliminate or contain your liability for loss or damage to property or to persons at your store.
Key Provisions:
• Hold-Harmless Agreement - the rentee agrees to assume responsibility for all personal injury and property damage caused by the rental equipment.
• Indemnity Agreement - the rentee is agreeing to reimburse you the rentor for any liability the firm incurs, even liability to the rentee.
• Inspection Clause – creates a duty to inspect the equipment by the rentee, making them share in this responsibility along with the rental company.
• Merger Clause – should be on the front of the contract, preferably in bold print. This clause (which should be signed by the rentee) basically states that the rentee has read all of the terms and conditions of the contract and agrees with them. In order to validate your rental agreement, always obtain a “signed rental contract" from the rentee.
• Conversion Warnings – informs the rentee that failure to return the rented goods may constitute conversion, larceny, or other form of theft designated in their state statue.
The best way to avoid legal disputes is to be clear in your rental agreement as well as your disclosure of rentee responsibility. The contractual provisions described here will help protect you. Your attorney as well as national and state rental associations are good sources of information about the laws that affect the actual language used in your rental agreement.
Steer clear of the blame game. Rather than burying important clauses in small print or glossing over them during the rental presentation, thoroughly educate customers before they sign on the dotted line. Correctly handled and worded, your rental agreement can protect your business and renters and keep your insurance company happy. Now that’s a win-win-win situation. As the saying goes, “the best offense is a good defense.” And your rental agreement is your first line of defense.

Disaster Preparedness Alert

2008-09-12T11:55:00.000-07:00

National Equipment Register

Disaster Preparedness Alert

HURRICANE IKE LIKELY TO BRING DEVASTATION TO TEXAS AND OTHER GULF AREAS

EQUIPMENT OWNERS AND RENTAL FLEETS ADVISED TO BE ON GUARD FOR THEFTS GENERATED BY ANTICIPATED STORM CLEAN UP

Equipment owners, Dealers and Rental Companies throughout the gulf region should make machine security an aspect of their preparation for Hurricane Ike's landfall. When the clean up efforts begin, the vulnerability of and demand for equipment will undoubtedly result in increased thefts- owners that take steps to address this will be less likely to be targeted.

For Equipment Owners in the Impacted Areas:

Do not allow crews to abandon machines on job sites- if possible, return all equipment to yards.
Machines that must be left on sites should be disabled
Have operators document specifically which machines were left where, and how they were disabled. If parts were removed, document where they are stored for reinstallation.
Normally, NER suggests machines be parked in highly visible areas to deter vandalism and theft. The storm will reduce traffic volumes and the deterence of public observation in some areas. If this is the case, machines should be concealed or parked out of view as well as disabled
Clearly post your contact information on and in your equipment- should emergency responders need access to your equipment, be sure they have the means to contact you
Update your NER registration- be sure your emergency contact details are current on your registration profile, and your inventory is current
Advise local Law Enforcement that you have equipment in the area and will assist emergency responders- they should contact you instead of commandeering the machines
After the storm- survey your equipment, be sure all machines are accounted for and report any thefts as soon as local law Enforcement is able to respond. NER can record thefts on the NER system even if a police report cannot be made yet.
For Equipment Owners in Adjoining Areas:

Con men, fraud artists, and unscrupulous contractors will descend on the areas impacted by the storm. Past storms show that they will collect equipment along the way, by theft and fraud.

Specialty equipment like Brush Chippers, Stump Grinders, and especially generators should particularly be protected- Rental Companies and Dealers should keep these machines inside your yards.
Generators should not be left on job sites- rental companies should work with clients to educate them on machine security and the heightened theft threat.
Do not let machines called off rent languish- get machines back to the yard or on to the next client as soon as possible. If pickup cannot be arranged, work with your client to secure the machine until you can retrieve it.
Rental Companies and Dealers must be wary of out of state customers and local customers you have no business history with.
Verify local references- do not rely solely on names and phone numbers provided by the customer.
Verify all credit account rentals by company employees unfamiliar to you- call a contact you know at the company to confirm authorization for the employee to rent.
Get detailed information on where machines will be used, and check out the site. Contact the general contractor or property owner.
Don't assume a credit card is valid because the deposit pre-authorizes. Call the issuer to ensure there is no potential problem. Contact your card services fraud department for advise and assistance.
Be very cautious if clients want to provide their own transportation- this is a common trend in both rental and purchase frauds. Insist on delivering machines, and educate your delivery personnel to recognize a suspicious drop off location.
Think about how you will locate and retrieve the machine if the transaction ends up fraudulent.
Insist on a maintenance check on the machine.
Require 24 or 48 hour rental renewal for unknown customers
Conduct a spot check on machines to ensure the drop off location was not just a staging area to load your machines onto the thieve's transport.
Most importantly- go with your gut, and communicate with your local industry. If something suspicious occurs, contact other local companies to keep a look out.
· All owners should take this opportunity to be sure your NER registration is up to date- be sure your emergency contact information is current, and update any new machine additions.

· Communicate with local Law Enforcement- let them know thefts potentially will be on the rise due to the storm so that there patrol personnel can be on alert for break ins and odd hour transport.

Please report thefts to NER as soon as possible- simply reply to this message with theft details, call NER at 866-663-7872 option 2, or submit a theft online at http://nerusa.com/submit_theft.asp

GOOD LUCK TO ALL OUR CLIENTS AND LAW ENFORCEMENT IN IKE'S PATH- OUR PRAYERS ARE WITH YOU!!

National Equipment Register
David Grant Mossman
Senior Analyst
866-663-7872
dmossman@nerusa.com
www.nerusa.com

THE TRUE COST OF SAFETY

2008-08-18T15:02:00.000-07:00

Check us out in Jenny Lescohier's article in Constuction Zone Safety.

THE TRUE COST OF SAFETY

http://constructionzonesafety.epubxpress.com/link/czss/2008/aug/1?s=0

THEFT ALERT

2008-08-13T16:01:00.000-07:00

NATIONAL EQUIPMENT REGISTER
THEFT ALERT
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
SIX MACHINES STOLEN FROM MONTREAL AREA RENTAL BRANCH
Hertz Equipment Rental alerted National Equipment Register of a break in at their Anjou, Quebec branch on Sunday, August 10. Six machines were taken from the branch yard, including three identical year and model Toyota Forklifts (described below). NER requests that Law Enforcement and the Equipment Industry on both sides of the border be on the lookout for the equipment, which may be headed to the ports or may be encountered in transit. Each machine had unit numbers and Hertz Equipment Rental Decals prominently displayed.
No information is available on what type of transport removed the machines from the area, but no Hertz trucks or trailers were stolen. All six machines were driven off the property and loaded elsewhere. (See below images for examples of similar machines- If the images do not format, reply to this message to have it re-sent as an attachment)
Thefts reported to: Montreal Police, Report # 46-08-08-11-004
For further information, contact NER toll free at: 866-663-7872
----------------------------------------------------------------------------
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Machine 1:
* Toyota FGU25 Make/Model:Toyota/ 8FGU-25
* Year: 2007
* Type: Warehouse Forklift
* PIN/ Serial Number: 11601
* Hertz Owner Applied Number: 41003891
Machine 2:
* Make/Model: Toyota/ 8FGU-25
* Year: 2007
* Type: Warehouse Forklift
* PIN/ Serial Number: 11624
* Hertz Owner Applied Number: 30192195
Machine 3:
* Make/Model: Toyota/ 8FGU-25
* Year: 2007
* Type: Warehouse Forklift
* PIN/ Serial Number: 11567
* Hertz Owner Applied Number: 41003830
Machine 4:
Deere 310 G * Make/ Model: John Deere 310-G
* Year: 2004
* Type: Backhoe Loader
* PIN/Serial Number: T0310GX937190
* Hertz Owner Applied Number: 41001979
Machine 5:
* KUBOTA R520 Make/Model:Kubota/ R-520
* Year: 2006
* Type: Compact Wheel Loader
* PIN/Serial Number: 10978
* Hertz Owner Applied Number: 30222750
Machine 6:
* Bobcat S-250 SSL Make/Model:Bobcat/ S-250
* Year: 2008
* Type: Skid Steer Loader
* PIN/Serial Number: 530940598
* Hertz Owner Applied Number: 76806860

REPORT SUSPICIOUS AFTER HOURS ACTIVITY ON ANY JOBSITE, DEALER LOT OR RENTAL YARD TO LAW ENFORCEMENT
This type of well organized, targeted theft activity is increasing across the US and Canada- NER encourages the equipment industry to be proactive and watchful of suspicious activity on your properties as well as other area businesses- thieves hitting your neighbor may target you next!
Please report any thefts to NER as soon as possible- simply reply to this message with theft details, call NER at 866 346-3746, or submit a theft online at www.nerusa.com
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
National Equipment Register
David Grant Mossman
Senior Analyst
866-663-7872
dmossman@nerusa.com [mailto:dmossman@nerusa.com]
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
www.nerusa.com

Lift and Access Magazine Article

2008-08-04T08:15:00.001-07:00

Check out my article in this months issue of Lift and Access Magazine.

Insurance Is No Assurance:

http://zmags.cranehotline.com/showmag.php?mid=hwhst#/page2/

Don't automatically assume you're protected. According to one national survey, nearly 60 percent of businesses are seriously underinsured. In the event of a major claim, the survey showed that the underinsured could find that the upper limit of their policy payout is 20 percent less than what they need in today's market.
Just because you have an insurance policy, doesn't mean you have the right one. The difference between the right policy and the wrong one could cost your business hundreds of thousands of dollars if your insurance coverage is not adequate. When a loss happens, you need help - what you don’t need is to learn that there is no coverage to recoup your losses. The best time to get educated is now, before that scenario occurs.
The Coverage You Need
Unlike other businesses, there is no standard policy for your industry. The rental and equipment dealer has various unique risks and coverage needs that need to be individually evaluated for the proper insurance coverage. There are several factors that you should consider when insuring your business.
• Make sure you are insured with a specialist
Don’t insure your business with someone who doesn’t know your industry. Just because your brother-in-law sells home owner policies doesn’t mean that you should let him write your insurance. You may be doing him a favor and not yourself. Seek out someone who understands and works in the industry and can provide you the maximum coverage available.
• Choose financial Strength and Stability
Make sure you are with an A+ rated insurance carrier from A.M. Best. You can find out how your current insurance carrier is rated at www.ambest.com. This rating system shows a client what a company’s financial strength is and its ability to meet their obligations. Remember, an insurance program is only as good as the company that stands behind it. Be cognizant of the inferior choices out there that may leave your business vulnerable.
• Customized Coverage
Again, it is imperative that you have an insurance policy tailored your business needs. This must include your unique coverage needs such as conversion, in transport, equipment breakdown and off premises. Do your research and make sure your policy covers these areas.
• All Lines of Insurance
When picking your insurance carrier, make sure that they cover all lines of insurance. This means that their policy includes but is not limited to property, general liability, auto coverage, inland marine, and workers compensation. Placing all of your insurance coverage with one carrier provides you with easier claim handling and decreases your chance of having gaps in your insurance coverage from one carrier to the next.
Ultimate Service
In an industry that caters to the needs of a diverse group of rental customers, it is fundamental to provide high-quality service. Whether they are renting party goods or homeowner and contractor equipment, your customers rely on you to provide high-quality equipment in good working condition – when they need it.
With that in mind, you should demand that same level of service from your insurance provider. It is their job to ensure that your business and your equipment are covered. Replacement cost, conversion, and off premise coverage should be a standard in your policy. If you don’t have an adequate amount of coverage, your business may be seriously underinsured. In the event of a major loss, there is a very strong chance that your current policy will fall very short of what you need.
Strategic Partner
Most people hate insurance until the time comes when they need it. I believe we all need to see insurance in the light of people helping each other maintain financial security. For example, in early civilization, if a house burnt down, the members of the community banded together and helped build a new one. If someone wasn’t willing to help, they were perceived as a bad neighbor and the community wasn’t as willing to help them out in the future. In today’s insurance world, there are plenty of “bad neighbors” out there who only want to collect premiums and are not concerned with helping you. Once you received a quote and paid your premium, your coverage is bound and you believe that your business is adequately covered, right? Maybe! Don’t make your business vulnerable because you are not educated about the company that is insuring your business and the type of coverage they provide. Do your research. There are A+ rated companies out there who have the knowledge and capability to protect your company for that “just in case moment.” For the sake of your business, seek out those insurance companies that have custom policies for your industry and can provide you with proper coverage, industry expertise, and financial strength and stability.

Join Us

2008-07-10T11:11:00.000-07:00

Texas Rental Association
7th Annual RoundUp
50th Anniversary Celebration
July 24-26 at the Embassy Suites Dallas - Frisco Hotel.

www.myspace.com/matthewdavisinsurance

2008-07-07T15:40:00.000-07:00

MySpace.com - Matthew - 31 - Male - SAN ANTONIO, Texas - www.myspace.com/matthewdavisinsurance

Choose NIS

2008-07-07T10:06:00.000-07:00

JULY 4 WEEKEND EQUIPMENT THEFT WARNING

2008-07-01T11:26:00.001-07:00

THEIVES WILL AGAIN TARGET YOUR VULNERABLE EQUIPMENT!

Elevated thefts over the past Memorial Day weekend indicate that

thieves will again be targeting vulnerable Farm and Construction Equipment again this 4th of July weekend. NER is encouraging equipment owners, dealers, farmers and contractors to implement strategies to protect against site and yard burglaries, vandalism and equipment theft during the Holiday weekend. The following are a few tips on protecting sites and machines:

1. Do not leave machines on unfenced properties or jobsites over the weekend - where possible, move machines to yards or locate a secure lot near the sites where you can temporarily store the machines, such as a car dealership or storage yard, etc.

2. Disable machines that have to be left -have field service mechanics disconnect batteries, pull fuses, relays or ignition circuits, or remove tires. Make use of lock up devices that prevent operation - see www.equipmentlock.com for examples.

3. Do not leave machines or materials loaded on trailers over the weekend- loads have been targeted recently throughout the nation. If trailers must be loaded, implement additional security measures to preclude theft. Set the frame on jack stands or cribs, remove the hitch or use a hitch lock.

4. Designate an employee or supervisor to make a random check of sites through the holiday- particularly Saturday. Be sure this person knows what machines, tools and materials should be at each site so that missing property is not overlooked, and can be reported quickly and accurately.

5. Do not leave job boxes or small equipment at sites. If job boxes are left at sites, be sure they are secured with additional locks, chain, or are concealed.

6. Contractors and sub-contractors should advise site security guards if any activity is expected over the holiday as thieves are often familiar with the worksite and may even have credentials that they should be on the site or moving equipment. Be certain guards have a contact number so that they can alert you as needed.

7. Let employees know that management will be making spot checks of jobsites - let employee gossip work to your advantage. You might even mention you are testing a new GPS system or secret identification device over the weekend.

8. Fuel theft is on the rise again, especially diesel - try not to have fuel trucks top off machines until Sunday, and this weekend may be a good time to rotate in new tank locks. When grouping machines, be sure the fuel tank is facing the street - do not hide it on an unobserved side providing cover to thieves.

9. Post signs with an emergency contact number, and signs that say you offer a reward for information on thefts or vandalism at a site. Signs can also let the thief know that patrols are in the area and that machine serial numbers are recorded on National Equipment Register's databases, and are accessible to police 24 hours-a-day. Signs are available from CICP (www.cicpp.com)

10. Contact your local police patrol commander to advise them whether activity should be taking place on your site or at your yard. Provide a 24-hour contact number in case something comes up at your site. If this was done at the start of your project, now would be a good time to refresh that line of communication.

11. If there is a 24-hour convenience store or gas station across from your site or yard, stop in to let them know you will make it worth their while to notify you or the police of any suspicious activity - be certain they have your number.

12. Be ready to make a report of any theft, graffiti or vandalism as soon as it is discovered - before an incident occurs, know which agency to call, have an accurate list of equipment serial numbers, and know which machines are at which site. Report the incident immediately to police and call NER with thefts for inclusion in the NER database and regional distribution as a theft alert to law enforcement and industry contacts.

It is critical to report any machine thefts to NER as soon as a Law Enforcement report has been made- NER can catch errors in reporting in the critical period just after the theft when Law Enforcement is most likely to encounter the machine.

13. Thefts and break ins will occur this holiday- be watchful of your equipment and facilities and those of others in your community. Find out before hand what agency to report to should you see something odd on a site or dealer yard, or encounter a machine being moved that maybe should not be. Wouldn't you want someone to call if they saw YOUR machine being stolen?

Additional measures equipment owners can take year round:

If there is a crime prevention program in your area, get involved. In the Pacific Northwest and throughout California, contact the regional Construction Industry Crime Prevention Programs:
CICP of the Pacific Northwest
www.cicpp.com

CICP OF NORTHERN CALIFORNIA
www.constructioncrime.com/

CICP OF CENTRAL CALIFORNIA
www.cicpp.org

CPP OF SOUTHERN CALIFORNIA
www.crimepreventionprogram.com/

For Agricultural Communitee in California:

California Rural Crime Prevention Task Force
www.crcptf.com

ACTION Project
www.agcrime.net

Take Steps Proactively- be sure your equipment is registered on National Equipment Register's databases before a theft occurs, so that Law Enforcement can identify you as the owner if its encountered out of your possession. See all the details at:

www.stopequipmenttheft.com or www.nerusa.com

If you have any questions or need more information, please contact NER- analysts are available to assist you make a complete report as soon as possible- call 866-663-7872 (866-6-NER-USA)

Additional theft prevention suggestions can be found in NER's free 12 page Theft Prevention Guide available for download at www.nerusa.com/theftPrevention.asp

National Equipment Register www.nerusa.com info@nerusa.com

National Equipment Register
David Grant Mossman
Senior Analyst
dmossman@nerusa.com
www.nerusa.com

National Insurance Specialists - insurance for the rental and equipment industry

2008-06-19T11:42:00.001-07:00

National Insurance Specialists - insurance for the rental and equipment industry

2008-06-19T11:39:00.001-07:00

insurance focus quarterly - 30

2008-06-04T11:58:00.000-07:00

insurance focus quarterly - 30

Insurance Focus Quarterly - 29

2008-06-03T16:14:00.000-07:00

Insurance Focus Quarterly - 29

NER and National Insurance Specialists

2008-05-23T14:28:00.000-07:00

Mark Your Equipment!!!

2008-05-23T14:26:00.000-07:00

2008-05-09T12:20:00.000-07:00

Summit in Hartford, CT

2008-05-07T06:25:00.000-07:00

Thank you for being my customer

2008-05-07T06:19:00.000-07:00

What my customers are saying:

“I aspire to provide the level of customer service to our clients as you give to us. You are an inspiration!”
Jennifer S.

“You have provided me with nothing short of “Ritz Carlton” service over the past seven years.” Jeff F.

Please let me know what you think:

Phone: 888-489-7165
Cell: 210-860-0929
Fax: 888-489-7105
matt.davis@hylant.com

2008-05-06T05:29:00.000-07:00

Connect with me

2008-04-29T12:53:00.000-07:00

http://www.linkedin.com/in/matthewdavisinsurance

http://www.myspace.com/matthewdavisinsurance

www.matthewdavisinsurance.com

2008-04-29T08:19:00.000-07:00

ArticleBase

2008-04-29T08:04:00.001-07:00

http://www.articlesbase.com/ask-an-expert-articles/insurance-is-no-assurance-party-tent-and-equipment-rental-dealers-396380.html

www.matthewdavisinsurance.com

2008-04-29T07:59:00.001-07:00

John Haedo, Mike Thompson and Brian Hall created NIS to provide equipment distributors and rental dealers throughout the country with the best insurance product and service available. With nearly forty-five years of experience in the rental industry between them, and over sixty years overall in the insurance field, they founded NIS on the principle that fulfilling the customer's needs in a superior fashion is the most important element in the success of an insurance program.They know that the rental industry needs a stable, affordable insurance product that rental operators can rely on, and that is just what they have brought to the table. Several hundred rental dealers throughout the country have already found NIS to be the answer to their insurance needs. NIS is a leading insurance vendor to the rental industry in the United States today.
Our Mission
To be the leading provider of insurance to the equipment and rental industry in the United States and furnish complete security for our customers with our business insurance program. To set the standard in customer service that others will strive to follow. To provide an affordable, stable insurance product that is flexible and can change with the needs of the industry,
Company Profile
NIS is an affiliate of The Hylant Group. "Founded in Toledo, Ohio in 1935, the Hylant Group has been providing risk management services, insurance and employee benefits to businesses and individuals around the world for over 67 years. Today, the firm maintains offices in Toledo, Cincinnati, Columbus and Cleveland, Ohio; Detroit and Ann Arbor, Michigan; Fort Wayne, Indiana and Portland, Maine. With premium flow in excess of $300 million, the Hylant Group has grown to become one of the top 50 agencies in the United States. The key to the company's success has been its vision: to provide its clients with solutions that don't just meet their needs but exceed them. Innovative solution-it's what clients have come to expect over the years, and what you can rely upon when you partner with the Hylant Group."

A Letter from Chairman of Tent Rental Division

2008-04-29T07:53:00.000-07:00

http://www.tentexperts.org/index.php?option=displaypage&Itemid=207&op=page&SubMenu=

A Letter from Chairman of Tent Rental Division
New Member Benefits - April 2008

The Tent Rental Division (TRD) Steering Committee constantly works to develop solutions to our members’ needs. Two issues that have been top of mind lately are insurance and training.

Rental companies need insurance to cover their products and liability in case of injury—an important concern whenever working with the public. To meet this need, the TRD has partnered with National Insurance Specialists and The Hartford to provide high quality, customized insurance solutions for U.S. member companies. The program is designed especially for equipment and party rental businesses, and offers to cover: Tents and equipment, property, general liability, commercial auto and umbrella insurance.

Through the partnership, National Insurance Specialists will waive a company’s deductibles on all equipment items exceeding their policy deductible when registered with the National Equipment Register through The Hartford. The Harford participation with NER will result in a 20% discount for registering the company’s product.

The insurance partnership offers industry expertise with agents located across the United States, provides all lines of insurance to member companies, bridges understanding of the tent rental industry to the insurance industry, and customizes programs for tent rental businesses.

If you “Stake your Future” on your company staff, consider participating in Training for the Tent Installer workshops to enhance employees’ knowledge and skills in practicing safety for themselves and the public. Participants learn the tent installation profession and their vital role in the success of a tent rental company. Two Training for the Tent Installer workshops have been received successfully by member companies. Upcoming workshops are scheduled for April 29 in Minneapolis, Minn.; November 4 in Providence, R.I.; and Jan. 19, 2009 in West Palm Beach, Fla. during IFAI Tent Expo 2009.

To participate in these opportunities

Insurance
National Insurance Specialists
888 489 7165 Toll-free
http://www.rental-insurance.com/
Additional information on National Equipment Register: http://www.stopequipmenttheft.com/

Training for the Tent Installer
http://www.tentexperts.org/
Instructional videos and copies of the Safe Installation and Maintenance of Tentage, TRD Seal, TRD Proud Member Logo and Tent Boss information are also available on the Member’s Only section of the Web site. You must create an account to access this section. Go to http://www.tentexperts.org/, click on “Create an account.”

We wish you all the best during this tenting season and look forward to visiting with you at IFAI Tent Expo 2009, January 19-22 in West Palm Beach, Fla.

Regards,

Kathy Schaefer
TRD Chairman

2008-04-29T07:35:00.000-07:00

Quick tip:

· Help limit your exposure. Obtain insurance certificates from your commercial customers.

· Vehicle graphics are some of the cheapest and most effective forms of advertising. Contact Jeff at www.kaisergraphics.com

Contact Matthew Davis:
Phone:888-489-7165
Cell: 210-860-0929
Fax: 888-489-7105
matt.davis@hylant.com
www.matthewdavisinsurance.com

2008-04-29T07:04:00.001-07:00

Website update:
My new regional website is up and running. Please take a minute to check it out and e-mail me any suggestions, criticisms, referrals or testimonials. www.matthewdavisinsurance.com

2008-04-29T07:02:00.000-07:00

· Combat equipment theft, register your equipment with NER today: www.nerusa.com

2008-04-29T07:00:00.001-07:00

2008-04-29T06:59:00.000-07:00

www.hylant.com

2008-04-29T06:58:00.000-07:00

We are proud members!

Top Five Reasons to Choose National Insurance Specialists

2008-04-25T12:08:00.000-07:00

1. Financial Strength and Stability - The Hartford & Hylant

2. Industry Expertise - NIS has 50 years of industry experience

3. Member of the American Rental Association

4. All Lines of Insurance

5.Customized Coverage for Rental and Equipment Dealers