Certificates of Insurance | Pekin Insurance

Posted on Thursday, September 15th, 2011

If you are a contractor you most likely have dealt with obtaining certificates of insurance (COI). The standard COI for liability insurance is the ACORD 25. You can visit www.Acord.org for a detailed FAQ on certificates of insurance. In short, the COI is a document that verifies the existence of insurance. It will list the producer (agent or broker), name of the insured, insurance company, types of insurance, policy effective dates, limits of insurance, and certificate holder (persons requesting it), among other things.

If you hire subcontractors or other vendors to work on your jobs and/or alongside you, it is Best Practice to require COIs. If they happen to be uninsured, YOU are at risk for injuries and/or damages they cause. As the manager of Pekin Insurance?s Workers Compensation Claim Department, I have seen many claims involving uninsured subcontractors? injured employees. In this situation many states? laws are such that employees can obtain coverage under the general?s policy (i.e. climb the ladder until coverage is found). You can reduce your risk by spending a little time on the front end of a project and obtaining the COI.

In a fast moving world it can be difficult to enforce a COI requirement. I suggest having a written contract with all subcontractors and vendors which contains a provision that they submit a COI prior to starting work. Do not allow them to start working until they submit a COI, and terminate the contract if they do not comply. In the event work is started before they submit a COI, withholding payment until one is submitted can be a last resort.

If you do not understand the information listed on an obtained COI or doubt its authenticity, you should contact the listed producer or insurance company to verify coverage. Also, utilize your own Professional Independent Agent for all COI questions and concerns. They are experts in the field and deal with them every day.

Arron Hampton, CPCU, CWCP
Workers Compensation Manager

Source: http://www.pekininsurance.com/certificates-of-insurance/

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Rapper T.I. Denied Chance To Appeal Additional Jail Time

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NSF International Launches NSF Reference Standards? Program ...

NSF International Launches NSF Reference Standards? Program











NSF International

Ann Arbor, MI (PRWEB) August 04, 2011

NSF International, a global independent public health organization with 66 years of experience, including 25 years of pharmaceutical expertise through its NSF Health Sciences Division, is launching NSF Reference Standards?, which will produce reference standards that are traceable to official U.S. and European pharmacopeial standards. Pharmaceutical manufacturers worldwide use reference standards as comparative standards to demonstrate the identity, purity, quality and strength of their pharmaceutical products and ingredients.

Completely traceable to both US and European pharmacopeial standards, NSF Reference Standards are:

????Tested independently by a minimum of three collaborating laboratories
????Traceable to both United States Pharmacopeia? (USP) and European Pharmacopeia (EP) reference standards
????Verified to conform to U.S. Food and Drug Administration (FDA) and European Directorate for the Quality of Medicines & HealthCare (EDQM) regulatory requirements
????Produced and tested following the principles of current Good Manufacturing Practices (cGMPs)
????Accompanied by documentation that includes a Certificate of Analysis and Material Safety Data Sheet

Traceability of NSF Reference Standards to official pharmacopeial standards is established through rigorous collaborative laboratory testing against official standards in accordance with the principles of cGMPs. Each NSF Reference Standard is tested to meet the compendial requirements of the individual pharmacopeial monographs and includes a detailed documentation package with a Certificate of Analysis and Material Safety Data Sheet.

?NSF Reference Standards will set the bar for the quality and purity of pharmaceutical products while also offering companies favorable pricing,? said Lori Bestervelt, Ph.D., NSF Chief Technical Officer and Senior Vice President over the NSF Health Sciences Division. ?Developing the NSF Reference Standards program is a natural step for NSF?s Health Science Division, which has over 25 years of pharmaceutical industry experience gained through NSF-DBA, NSF Pharmalytica, and through the team of experts leading the NSF Reference Standards program, each of whom has significant expertise in reference standards manufacturing, including quality and regulatory requirements. This is in addition to NSF?s 66-year history developing public health standards and providing testing and inspection services to the food, water, dietary supplement, and consumer products industry.?

The NSF Reference Standards program is led by industry experts with 20-35 years of pharmaceutical experience, including extensive expertise in reference standard manufacturing, quality assurance and testing:

????Steven Lane, General Manager, has more than 22 years experience in FDA- and DEA (Drug Enforcement Administration)-regulated industries, including expertise managing reference standards operations.
????Tom Savage, Director of Scientific and Regulatory Compliance, has more than 35 years of experience with the U.S. FDA, including expertise in testing reference standards candidates in FDA laboratories.
????Linda Carlisle, Technical Program Manager, has more than 20 years of industry experience, with expertise in the technical aspects of reference standards production, quality assurance and testing.
????Chris Aiyer, Senior Business Development Manager, has more than 20 years of technical sales experience working with the global pharmaceutical and biotechnology industries, understanding and serving customer requirements.

NSF Reference Standards for many commonly tested products have already been released and are available for immediate purchase on NSF?s dedicated website at nsf-rs.org. The NSF Reference Standards program will continue to add new titles to this portfolio throughout the remainder of 2011 and 2012, with an ultimate offering of over 300 items. Check the website on a regular basis for updated offerings.

NSF Reference Standards may be purchased online at nsf-rs.org. An electronic PDF of the catalog also is available on that site. For additional purchasing information, contact Chris Aiyer at +1 734-214-6234 or aiyerc(at)nsf(dot)org.

In addition to NSF Reference Standards, the NSF Health Sciences Division includes NSF Pharmalytica, a GLP & GMP contract laboratory that offers analytical testing, consulting, training, registration and R&D services; NSF-DBA, which offers training, auditing and consulting to the pharmaceutical, medical devices and dietary supplements industry; and the NSF Dietary Supplement program, which offers dietary supplement testing and certification, banned substances screening and certification, and GMP audits.

About NSF International: NSF International, an independent, not-for-profit organization, certifies products and writes standards for food, water, dietary supplements and consumer goods to protect human health and the environment (nsf.org). Founded in 1944, NSF is committed to protecting public health and safety worldwide. NSF operates in more than 120 countries and is a World Health Organization Collaborating Centre for Food and Water Safety and Indoor Environment. NSF services include pharmaceutical, medical device and dietary supplement services through NSF Health Sciences; food safety audits, global food safety certification, foodservice equipment and bottled water certification through NSF Food Safety and Quality; drinking water products certification through NSF Water Systems; consumer product and toy testing; sustainability services through NSF Sustainability; management systems registrations through NSF International Strategic Registrations (NSF-ISR); and NSF Education and Training courses.

The NSF Health Sciences Division offers reference standards, certification, training, consulting, GMP and GLP testing, R&D and auditing for the pharmaceutical, dietary supplement and medical device industries. It includes NSF Reference Standards, NSF Dietary Supplement Certification, NSF Pharmalytica and NSF-DBA, and operates globally throughout North America, Europe, Middle East, Africa, Asia and Latin America. Additionally, NSF led the development of the official American National Standard for Dietary Supplements, NSF/ANSI 173.

###



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Source: http://bsplitter.info/nsf-international-launches-nsf-reference-standards-program.html

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[unable to retrieve full-text content]Clearly the ideal website style and design companies are generally online, suitable? Yet frequently researching it again online doesn't certainly help very much. The Internet is a strange conglomeration of each form regarding ...

Source: http://www.tacotrucks.net/best-web-design-companies-net-developer-reveals-the-common-myths-about-website-design-companies/

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'Home Improvement' cast reunites for photo -- EXCLUSIVE | Inside ...

Look who showed up the mother of all family reunions!

We were hoping to save our exclusive photo shoot of the Home Improvement cast for our Reunions Issue on newsstands Oct. 7, but somebody let the cat out of the bag via Twitter (we?re lookin? at you, Patricia Richardson!), so we decided to give fans a sneak peek of the reunion held last month in Pacific Palisades, Calif.

Though most of the stars had already seen each other two years ago at the TV Land Awards, the shoot was still a big thrill for cast members like Tim Allen (Tim Taylor) and Patricia Richardson (Jill Taylor) because it involved seeing Jonathan Taylor Thomas ? a.k.a. Randy Taylor ? for the first time since 1998. You read that right: No one had seen hide nor hair of the cherub-faced actor, who turned 30 today, since he left the show. ?It was awesome,? said Richardson, who invited her on-screen sons Taylor, Taran Noah Smith, and Zachery Ty Bryan back to her house after the shoot. ?You know where you can pick up and it feels like no time has passed at all? And at the same time you look at them and say, ?How can you possibly be that age because that makes me way old!??

Check out a preview of our Home Improvement reunion photo shoot below:

Home-Improvement-reunion

Image Credit: CHRIS MCPHERSON FOR EW

alt text

Read more:
Jonathan Taylor Thomas (nay, JTT) turns 30 today!
?Home Improvement?: Celebrating the heartwarming series? and, of course, JTT
Exclusive video from EW?s 2010 Reunions issue, including ?Gilmore Girls,? ?The West Wing,? and ?Lord of the Rings?

Source: http://insidetv.ew.com/2011/09/08/home-improvement-cast-reunion-official-photo/

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Source: http://www.msnbc.msn.com/id/3032600/vp/44461575#44461575

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Russian jet carrying hockey team crashes, 36 dead (AP)

YAROSLAVL, Russia ? A Russian jet carrying a top ice hockey team crashed while taking off Wednesday in western Russia, killing at least 36 people and leaving one critically injured, officials said.

The Russian Emergency Situations Ministry said the Yak-42 plane crashed immediately after leaving an airport near the city of Yaroslavl, on the Volga River about 150 miles (240 kilometers) northeast of Moscow. It said one person survived the crash with grave injuries.

The weather was sunny and clear at the time.

Prime Minister Vladimir Putin immediately sent the nation's transport minister to the site, 10 miles (15 kilometers) east of Yaroslavl.

The ministry said the plane was carrying the Lokomotiv ice hockey team from Yaroslavl. The team was heading to Minsk, the capital of Belarus, where it was to play Thursday against Dinamo Minsk in the opening game of the season of the Kontinental Hockey League.

The KHL is an international club league that pits together teams from Russia, Belarus, Kazakhstan, Latvia and Slovakia.

Lokomotiv Yaroslavl is a leading force in Russian hockey and came third in the KHL last year. It's coached by Canadian Brad McCrimmon and includes several international stars in its ranks, such as Stefan Liv of Sweden and Czech Republic players Josef Vaicek and Jan Marek.

It wasn't immediately clear which players were on board the Yak-42 on Wednesday.

Lokomotiv was a three-time Russian League champion in 1997, 2002-2003. It took bronze last season.

The short- and medium-range Yak-42 has been in service since 1980 and dozens are still in service with Russian and other airlines.

President Dmitry Medvedev has announced plans to take aging Soviet-built planes out of service starting next year.

In June, another Russian passenger jet crashed in the northwestern city of Petrozavodsk, killing 47 people. The crash of that Tu-134 plane has been blamed on pilot error.

Source: http://us.rd.yahoo.com/dailynews/rss/topstories/*http%3A//news.yahoo.com/s/ap/20110907/ap_on_re_eu/eu_russia_crash

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BOJ stays on hold, focus on Shirakawa's view of yen, G7 (Reuters)

TOKYO (Reuters) ? The Bank of Japan kept its policy settings unchanged on Wednesday, saving up its scant ammunition for later, while the yen stabilized in the wake of Switzerland's radical action to curb its soaring currency.

The central bank maintained its assessment that the economy was steadily picking up, with output and exports nearly returning to levels before a devastating earthquake and tsunami in March tipped Japan into recession.

It also reiterated its view that the economy should resume a moderate recovery later this year, but with a note of caution.

"We feel the need to carefully examine how uncertainty on overseas developments and ensuing fluctuations in currencies and financial markets could affect Japan's economy," it said.

With clouds gathering over the world economy and another export-crippling yen rally still a risk, markets are focusing on how strongly BOJ Governor Masaaki Shirakawa will signal the chance of more monetary easing before he travels to France for a weekend Group of Seven gathering.

The BOJ chief was to hold a news conference later in the day.

As expected, the central bank kept its policy rate at a range of zero to 0.1 percent by a unanimous vote and held off on additional monetary easing steps.

It also stressed in its statement that core consumer inflation will remain near zero for the time being and reminded markets that it will keep interest rates virtually at zero until stable price growth is foreseen.

"As the BOJ clearly sees the economy picking up steadily, the central bank doesn't see a need to take immediate action," said Junko Nishioka, chief Japan economist at RBS Securities.

PRESSURE ON BOJ

Switzerland's move on Monday to set a ceiling for the soaring franc's exchange rate against the euro raised the possibility that some of the safe-haven inflows into the Swiss currency could shift to the yen, driving it again toward record highs.

That would put the BOJ under pressure to act and further loosen policy.

The BOJ had already eased policy last month by adding a further 10 trillion yen ($130 billion) to its pool of funds for asset buying and fixed-rate market operations.

"The BOJ probably opted to wait until they see how this month's FOMC affects markets and until the new government sets the tone on what it wants from the BOJ," said Takeshi Minami, chief economist at Norinchukin Research Institute in Tokyo.

"But the bank could prove to be too late in its action as the yen is prone to resume rises after the Swiss National Bank's decision."

Shirakawa will probably signal the BOJ's readiness to act later if the recovery looks at risk, as some central bankers already have doubts whether it will materialize given slowing factory output at home and recession fears in the United States and Europe.

Growing fears that the world economy may slip back into recession after a brief recovery from the global financial crisis are piling pressure on G7 finance chiefs, who gather in Marseilles on Friday.

The discussion is expected to center on whether there was wiggle room to ease up on austerity drives in some rich economies while boosting monetary stimulus.

But with monetary conditions already ultra-loose and its huge public debt limiting room for fiscal stimulus, Japan is left with few options to bolster an export-reliant economy vulnerable to sharp rises in the yen.

Jun Azumi, who became finance minister when a new cabinet was formed last week, repeated Tokyo's verbal warning to markets against pushing the yen up too far.

The BOJ has plenty of reasons to save up ammunition for later. The European Central Bank may signal halting its rate tightening cycle on Thursday and the Federal Reserve is seen adding monetary stimulus on September 20-21, which could again weaken the dollar.

There is also no guarantee that easing now would stave off political pressure for more action in October, when debate on how to pay for post-quake reconstruction starts in earnest under new premier Yoshihiko Noda.

($1 = 77.115 Japanese Yen)

(Additional reporting by Rie Ishiguro, Stanley White and Kaori Kaneko; Writing by Leika Kihara and Tomasz Janowski; Editing by Kim Coghill)

Source: http://us.rd.yahoo.com/dailynews/rss/economy/*http%3A//news.yahoo.com/s/nm/20110907/bs_nm/us_japan_economy

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