The Numerous Commercial Insurance Options Available To You

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There are many things that go into owning and operating a successful business. The first thing you want to do is make sure you have products and services that are of the highest quality. You’ll also want to ensure that there’s a market for the products and services that you provide. You’ll also want to hire the right staff and making quantifiable headway in marketing your business. However, when it comes to protecting your business, not only are good security systems important, but so is the wide variety of commercial insurance options.

When you look at commercial insurance, you may be very surprised by the many different options there are. Some of the more common types of insurance options include property insurance, liability insurance, and workers compensation insurance. However, there is a long list of alternative policies that are available for businesses of all different types.

It’s important to understand that not all of these alternative policies are going to be required for your business. Some policies are specific to different types of businesses and, in some cases, these specialty policies may be required by local and state governments. For example, in some states, a restaurant, bar or a pub may be required to purchase alcohol insurance. This is the type of insurance that covers your business if you’re sued because someone were to get drunk and go out and injure somebody in a car accident.

There are other types of insurance policies that offer coverage if you were to lose a valued employee. In addition, there are also umbrella policies that cover your business through property insurance, liability, and even workers compensation insurance should the limits of your initial coverage be exceeded.

When it comes to commercial insurance options, your choices are going to be many, and it’s important to know which policies are going to be right for your business. That’s why, if you want to Request a Quote on commercial insurance, you may want to speak with an expert in commercial insurance. These commercial insurance experts can help you to understand the various different specialty policies. They can also help you determine whether any of the specialty policies need to be added to your basic commercial insurance in order to protect your business properly.

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Asbestos controversy aboard Scientology ship Freewinds

Friday, May 16, 2008

Controversy has arisen over the reported presence of blue asbestos on the MV Freewinds, a cruise ship owned by the Church of Scientology. According to the Saint Martin newspaper The Daily Herald and the shipping news journal Lloyd’s List, the Freewinds was sealed in April and local public health officials on the Caribbean island of Curaçao where the ship is docked began an investigation into the presence of asbestos dust on the ship. Former Scientologist Lawrence Woodcraft supervised work on the ship in 1987, and attested to the presence of blue asbestos on the Freewinds in an affidavit posted to the Internet in 2001. Woodcraft, a licensed architect by profession, gave a statement to Wikinews and commented on the recent events.

According to The Daily Herald, the Freewinds was in the process of being renovated by the Curaçao Drydock Company. The article states that samples taken from paneling in the ship were sent to the Netherlands, where an analysis revealed that they “contained significant levels of blue asbestos”. An employee of the Curaçao Drydock Company told Radar Online in an April 30 article that the Freewinds has been docked and sealed, and confirmed that an article about asbestos ran in the local paper.

Lloyd’s List reported that work on the interior of the Freewinds was suspended on April 27 after health inspectors found traces of blue asbestos on the ship. According to Lloyd’s List, Frank Esser, Curaçao Drydock Company’s interim director, joined Curaçao’s head of the department of labor affairs Christiene van der Biezen along with the head of the local health department Tico Ras and two inspectors in an April 25 inspection of the ship. “We are sending someone so that they can tell us what happened, where it came from, since when it has been there,” said Panama Maritime Authority’s director of merchant marine Alfonso Castillero in a statement to Lloyd’s List.

The Church of Scientology purchased the ship, then known as the Bohème, in 1987, through an organization called Flag Ship Trust. After being renovated and refitted, it was put into service in June 1988. The ship is used by the Church of Scientology for advanced Scientology training in “Operating Thetan” levels, as well as for spiritual retreats for its members. Curaçao has been the ship’s homeport since it was purchased by the Church of Scientology.

According to his 2001 statement, Lawrence Woodcraft had been an architect in London, England since 1975, and joined Scientology’s elite “Sea Organization” (Sea Org) in 1986. He wrote that he was asked by the Sea Org to work on the Freewinds in 1987, and during his work on the ship “noticed a powdery blue fibrous substance approximately 1 ½” thick between the paint and the steel wall,” which he believed to be asbestos. He also discovered what he thought was blue asbestos in other parts of the ship, and reported his findings to Church of Scientology executives. Woodcraft discussed his experiences in a 2001 interview published online by the Lisa McPherson Trust, a now-defunct organization which was critical of the Church of Scientology.

The Freewinds regularly inspects the air quality on board and always meets or exceeds US standards.

Church of Scientology spokeswoman Karin Pouw responded to Radar Online about the asbestos reports, in an email published in an article in Radar on May 1. “The Freewinds regularly inspects the air quality on board and always meets or exceeds US standards,” said Pouw. She stated that two inspections performed in April “confirmed that the air quality is safe,” and asserted that the inspections revealed the Freewinds satisfies standards set by the United States Occupational Safety and Health Administration and the U.S. Clean Air Act.

Pouw told Radar that “The Freewinds will be completing its refit on schedule.” The Church of Scientology-affiliated organization Citizens Commission on Human Rights (CCHR) had been planning a cruise aboard the Freewinds scheduled for May 8, but according to Radar an individual who called the booking number for the cruise received a message that the cruise had been delayed due to ongoing work on the ship. Citing an article in the Netherlands Antilles newspaper Amigoe, Radar reported on May 6 that a team from the United States and supervised by an independent bureau from the Netherlands traveled to Curaçao in order to remove asbestos from the Freewinds.

…if the Church of Scientology claims to have removed the blue asbestos, I just don’t see how, it’s everywhere. You would first have to remove all the pipes, plumbing, a/c ducts, electrical wiring etc. etc. just a maze of stuff.

“I stand by everything I wrote in my 2001 affidavit,” said Lawrence Woodcraft in an exclusive statement given to Wikinews. Woodcraft went on to state: “I would also comment that if the Church of Scientology claims to have removed the blue asbestos, I just don’t see how, it’s everywhere. You would first have to remove all the pipes, plumbing, a/c ducts, electrical wiring etc. etc. just a maze of stuff. Also panelling as well, basically strip the ship back to a steel hull. Also blue asbestos is sprayed onto the outer walls and then covered in paint. It’s in every nook and cranny.”

Many Scientologist celebrities have spent time aboard the Freewinds, including Tom Cruise, Katie Holmes, John Travolta, Kelly Preston, Chick Corea, Lisa Marie Presley, Catherine Bell, Kate Ceberano, and Juliette Lewis. Now magazine reported that Tom Cruise has been urged to seek medical attention regarding potential asbestos exposure, however a representative for Cruise stated he has “absolutely no knowledge” of the recent asbestos controversy. Cruise, Holmes, Travolta and Preston have celebrated birthdays and other events on the Freewinds.

There is not now and never has been a situation of asbestos exposure on the Freewinds.

In a May 15 statement to the United Kingdom daily newspaper Metro, a representative for the Church of Scientology said that “There is not now and never has been a situation of asbestos exposure on the Freewinds.” The Asbestos and Mesothelioma Center notes that agencies have recommended anyone who has spent time on the Freewinds consult with their physician to determine if possible asbestos exposure may have affected their health.

Raw blue asbestos is the most hazardous form of asbestos, and has been banned in the United Kingdom since 1970. Blue asbestos fibers are very narrow and thus easily inhaled, and are a major cause of mesothelioma. Mesothelioma is a form of cancer which can develop in the lining of the lungs and chest cavity, the lining of the abdominal cavity, or the pericardium sac surrounding the heart. The cancer is incurable, and can manifest over 40 years after the initial exposure to asbestos.

“This is the most dangerous type of asbestos because the fibres are smaller than the white asbestos and can penetrate the lung more easily,” said toxicologist Dr. Chris Coggins in a statement published in OK! Magazine. Dr. Coggins went on to note that “Once diagnosed with mesothelioma, the victim has six months to a year to live. It gradually reduces lung function until the victim is no longer able to breathe and dies.”

A Fence Company In St Paul Helps Property Owners Keep Animals Out Of Gardens

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  • Marc Ching

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A Fence Company in St Paul can help property owners who need to secure their vegetable gardens against intruders. Those intruders aren’t of the human variety, but rather critters like squirrels, chipmunks, rabbits, raccoons, and even deer. The neighbor’s dog might even have an ongoing craving for tomatoes. All these animals can be tenacious vegetable hounds, and only a fence will keep them out.

Even though St. Paul and the surrounding municipalities are urban, a wide variety of wildlife roams through the area and takes up residence there. The many lakes are appealing to these animals, and they can easily travel through green spaces and larger lots. Deer and other wild animals thrive in the kind of sprawling land and waterways that characterize the Twin Cities. Considering that many area residents even feed these critters intentionally, the problem has become remarkable.

People generally like to have gardens fenced with metal since that material holds up well against wildlife and pets and doesn’t create a visibly blocked-off portion of the property. A chain-link fence installed by a Fence Company in St Paul is a possibility, or a more decorative structure can be built. Chain-link fencing doesn’t have to look stark and cold, however. It’s available with coatings in various colors, and gardeners have the option of adding vines or shrubbery to brighten it up. Any garden-protecting fence in this region must be sturdy enough so deer or dogs won’t be able to knock it over. Deer, in particular, may be inclined to try this if they are hungry and having any trouble finding food. Fortunately for gardeners, that doesn’t tend to happen during the gardening season.

Fences, as installed by a contractor such as Dakota Unlimited, can even have a roof of the same material. Obviously, it’s essential not to block the sunshine, so a metal grid pattern is beneficial. This blocks animals that can jump from trees or easily climb a chain-link structure. It also keeps birds out. At the other end of the fence, the material can be installed far enough underground to prevent critters from tunneling underneath. Raccoons, possums, and chipmunks may be motivated to try this. Get a FREE Estimate today.

Hungarian state-owned enterprise acquires Hirtenberger Defence Group

Thursday, November 7, 2019

On Monday, Hungarian daily newspaper Magyar Nemzet revealed a deal whereby, on October 29, Hungarian state-owned enterprise HDT Védelmi Ipari Kft. (HDT Limited) acquired Austrian mortar and shell manufacturer Hirtenberger Defence Group. Hirtenberger Defence Group also acknowledged the deal.

In the deal, Austrian, United Kingdom and New Zealand production sites are to be kept, with market sales expected to cover for the price in the long run. A government-guaranteed loan covered the costs, but the exact figure was kept secret.

The November 4 issue of Magyar Nemzet published an interview with Gáspár Maróth, the Hungarian Government commissioner responsible for defence, defence industries and coordinating defence modernization, in which the deal was announced. On the same day, the Hirtenberger Defence Group issued a corresponding press release.

While not naming any other bidders, Maróth said the Hungarian bid won after lengthy negotiations, out of mulitple competing offers. He said he expects no political turmoil between the neighboring Austria and Hungary over the sale. He also noted the acquisition fits into the Hungarian “outward investment” ((hu))Hungarian language: ?t?kekihelyezési strategy of Prime Minister Viktor Orbán.

The Austrian partner asked for the price to be kept secret, but the commissioner stated the purchase was financed by a loan, so it is not a burden on the state budget. With government resolution No. 1430/2019, the state issued an indemnity bond to cover for HDT’s 38.8 million euro loan, and daily Népszava covered the story with a headline pointing out that amount as the presumed price. The creditor Hungarian Development Bank is state-owned as well. Already-queued orders won’t leave idle capacity for some years, Maróth said, and paying back this loan seems realistic; unnamed industry experts called this dubious to Népszava, as the market is saturated and margins are thin, while noting this kind of equipment is needed by the Defence Forces.

The company structure remains unchanged and all sites continue to operate, but Hungarian engineers are to join the research and development team. Maróth pointed out it would have been much more costly and time-consuming to research mortar technology than to acquire it this way. He noted, “the army modernization does not just cover buying ‘hardware’ but technology transfer as well.” ((hu))Hungarian language: ?a hader? modernizációja a „vas” megvétele mellett a tudástranszferre is kiterjed.

Népszava noted the purchase appeared to circumvent the Ministry of Defence. HDT Limited was registered on August 6, 2019 and is under the aegis of Hungarian National Asset Management, Inc.

To modernize its military, in 2018, Hungary licensed Czech firearm technology and started assembling firearms in Kiskunfélegyháza, then agreed with Airbus to open a helicopter parts factory as a joint venture in Gyula.

US President Trump has called for NATO members to increase military spending. According to a March 14, 2019 NATO press release, Hungary spent an estimated 1.15% of its GDP on military expenditures in 2018; NATO guidelines call for 2%. Maróth noted the military had been “effectively disarmed” ((hu))Hungarian language: ?gyakorlatilag lefegyverzett by 2010, when Viktor Orbán regained the prime ministry of Hungary for his second term. Hungary launched a military development program dubbed “Zrínyi 2026” in 2017 to address structural and financial challenges faced by the Defence Force and to renew its equipment.

Manned Soyuz space mission aborts during launch

Friday, October 12, 2018

Soyuz MS-10, a manned Russian space mission bound for the International Space Station (ISS) for a six-month stay, was forced to abort by a booster rocket failure Thursday morning. Rescue teams successfully recovered both crew members, Russian cosmonaut Aleksey Ovchinin and United States astronaut Nick Hague, shortly after they landed safely in Kazakhstan.

About two minutes after launch from the Baikonur Cosmodrome in Kazakhstan, which took place at 8:40 UTC on Thursday, a problem arose with the rocket boosters attached to the Soyuz rocket, during the process of booster separation. As the abort rocket system had been jettisoned a few moments earlier per normal launch procedure, the crew used the Soyuz capsule’s steering rockets to direct the spacecraft into a ballistic descent trajectory. During the descent, Ovchinin and Hague reportedly were subjected to forces of six to seven times Earth’s gravity. Ovchinin and Hague were safely recovered along with the spacecraft’s descent module about 12 miles (19 km) east of Jezkazgan, Kazakhstan, and 250 miles (402 km) from the launch site, approximately an hour and a half after lift-off. Both were taken to a hospital in Baikonur, Kazakhstan, for overnight observation as a precaution.

The incident, which is only the third mishap involving a manned Soyuz rocket since 1975 and the first since 1983, neither of which resulted in a fatality, comes nearly a month and a half after ISS mission controllers detected an air leak aboard the Soyuz MS-09 capsule presently docked at the ISS. Astronauts later found the leak to be the result of a drilled hole in the capsule’s wall before repairing it. Shortly after Thursday’s abort, the Russian government announced the formation of a state commission to investigate the launch failure.

Director General of Roscosmos Dmitry Rogozin tweeted, “To clarify the cause of the accident at the Soyuz-FG LV, by my decision, a state commission was formed […] Telemetry is being studied. Rescue services work [sic] from the first second of the accident. The emergency rescue system of the Soyuz-MS ship worked normally. Crew rescued.”

Ovchinin and Hague were due to join the crew of Expedition 57 aboard the ISS in low Earth orbit, which would have brought the current ISS crew from three to five. The next manned Soyuz launch to the ISS, Soyuz MS-11, was originally slated for December, though it is now unclear when that mission will be launched, pending the Russian investigation.

Anonymous people reveal animal cruelty at Australian Inghams poultry producer factory using CCTV footage

Thursday, March 21, 2013

Anonymous people submitted a video depicting employees of Inghams Enterprises, an Australian poultry producer, to Animal Liberation. The video displays animal cruelty at an Inghams plant in Tahmoor, Macarthur Region, south-west of Sydney. The video was recorded without the employees’ knowledge over a two-week period in February. Animal Liberation maintains that the footage is legitimate.

Spokesperson for Animal Liberation Emma Hurst stated to Sydney Morning Herald, “You can see a total disrespect of these animals. There are scenes where they’ve put the music up very, very loud, the workers are screaming, jumping about, dancing, picking up the turkeys, dancing while holding onto the turkeys, throwing them onto the shackles, and just that whole mentality as though these animals don’t have feelings, that they’re objects.”

Using CCTV, over 140 hours were recorded, depicting 136 incidences of animal cruelty as well as aggravated animal cruelty, resulting in the animals’ death or severe conditions. Ms. Hurst said, “Hanging upside down, their legs are already brittle, and we’ve got footage as well where their legs have actually ripped off from their bodies … and the legs have been tossed around.”

Animal Liberation and the Royal Society for the Prevention of Cruelty to Animals (RSPCA) are again calling for the mandatory installation of CCTV cameras in all Australian abattoirs. RSPCA New South Wales chief inspector David O’Shannessy told the ABC that surveillance and inspections of abattoirs should be commonplace in Australia. “The CCTV would certainly send a strong signal to those people working with animals that their welfare is of the highest priority.”

Inghams CEO Kevin McBain released a statement saying that an investigation had been launched into the “intolerable incidents”. “We condemn the animal abuse we have seen in the footage and will — as a matter of urgency — work to review, retrain and reinforce our animal welfare standards throughout our organisation”

The New South Wales Police and the New South Wales Food Authority are continuing to investigate the video.

How To Reduce Neck Pain In Livonia

byAlma Abell

Experiencing Neck Pain Livonia negatively affects a person’s quality of life. With a sore neck, even simple tasks can cause a lot of pain and feel like a huge burden. While some neck pain is caused by disc or nerve problems that may require surgery, most pain or injury can be relieved using less-invasive techniques. A doctor will assess a patient’s symptoms and decide what kind of treatment would be the most beneficial.

Most Neck Pain Livonia is caused by repeatedly straining the neck in an unnatural position. Many people practice poor posture or bad sleeping positions without even realizing it. Often, computer monitors or television screens are angled such that they cause the neck to bend unnaturally. Those who spend a lot of time on the phone may strain their necks from holding the handset to one ear or cradling it between their ear and shoulder. Even reading can cause neck pain, especially if someone is looking down at a book from above. It is easy to repeatedly strain neck muscles without meaning to.

A doctor can assess the cause of neck pain and suggest how to relieve it. Most neck pain can be resolved through non-surgical techniques. A doctor may prescribe anti-inflammatory medication, pain killers or muscle relaxers, depending on the type of pain and injury. Applying wet heat or ice may help loosen muscles and relieve swelling. Seeing a physical therapist or a chiropractor, such as Arbor Crossing Chiropractic Life Center, can help reduce pain and improve muscle strength. These professionals also educate people on the proper way to stretch and use proper posture to reduce further injury.

While some neck problems may require surgery to fix, most issues can be resolved with proper home care and professional guidance. A chiropractor, physical therapist or doctor can help people with pain from strained neck muscles, arthritis, whiplash, pinched nerves and many other issues. In addition to resolving the pain, they can teach good posture and stretching techniques to reduce future injury. Professionals take each individual’s lifestyle into account and offer suggestions on how to remain pain-free. With proper guidance and care, patients can eliminate their neck pain for good! To know more, click here.

Author Amy Scobee recounts abuse as Scientology executive

Monday, October 11, 2010

Wikinews interviewed author Amy Scobee about her book Scientology – Abuse at the Top, and asked her about her experiences working as an executive within the organization. Scobee joined the organization at age 14, and worked at Scientology’s international management headquarters for several years before leaving in 2005. She served as a Scientology executive in multiple high-ranking positions, working out of the international headquarters of Scientology known as “Gold Base”, located in Gilman Hot Springs near Hemet, California.

No injuries after Antarctica research station support plane crashes

Tuesday, December 25, 2007

A Basler BT-67, chartered from Canadian air carrier Kenn Borek Air for the National Science Foundation (NSF), a United States government agency, has crashed whilst attempting take-off during a support assignment in Antarctica. None of the ten people on board were injured, but the modified Douglas DC-3 was substantially damaged in the accident.

The accident occurred on the morning of December 20 local time, about 550 miles from McMurdo Station, a US-run Antarctic base. The aircraft was carrying a crew of four, and six researchers. The flight was part of the Polar Earth Observatory Network project, which is part-funded by the NSF. The project sets up GPS equipment and seismic sensors in various locations across Antarctica, in order to monitor changes in the ice sheets that cover the continent. It is thought that this will aid understanding of global warming.

Although the NSF refused to publicise any details of the crash, one anonymous passenger has come forward about the accident, releasing his account in the form of an online report. According to the passenger, one side of the plane failed to lift off, and the aircraft’s wing subsequently dug into the ice.

“My seat came unbolted from the floor with me still strapped into the seatbelt,” the passenger said. “When we finally came to a halt, we were all in big pile in the corner of the plane with all of the equipment. We got shaken up pretty bad, but there were no major injuries other than some minor cuts and bruises… The wings, props, and tail all got bent up pretty bad. The landing gear, skis, and hydraulic system all were ripped from the plane and strewn about the ice.”

Following the accident, all those on board spent about twenty hours before they were flown back to McMurdo Station on board two Twin Otter aircraft sent from the base on a rescue mission. A full investigation has been launched into the crash by the Department of the Interior‘s Aircraft Management Division (AMD), who have signed a memorandum of agreement with NSF to conduct any necessary investigations on their behalf. The AMD have subsequently contacted the United States National Transportation Safety Board, who will participate in conjunction with the Transportation Safety Board of Canada.

Barclays Bank credit rating cut by Moody’s

Monday, February 2, 2009

An international credit ratings agency has downgraded the creditworthiness of British bank Barclays LSEBARC

The bank’s shares fell on the news that Moody’s had cut long-term debt ratings from “Aa1” to “Aa3” on the back of fears of nationalization, significant losses and write downs of more bad loans as the recession bites. The bank’s financial strength was also downgraded from “C” to “B”. Last week, another agency, Fitch, downgraded the bank one step to “AA-minus”.

Barclays is one of the few major “High Street” banks in the UK not to have taken any government capital support. The support is given in return for shares, giving the government significant – sometimes even controlling – stakes in other banks, such as Lloyds Banking Group and the Royal Bank of Scotland Group.

Moody’s said that the downgrades “reflect [our] expectation of potentially significant further losses at Barclays as a result of write-downs on credit market exposures as well as an increase in impairments in the UK, which could weaken profitability and capital ratios… [we consider] the systemic importance of the bank and the likelihood of receiving government support in case of need to be high.”

The bank has forecast a pre-tax profit of £5.3 billion for 2008. It has £36 billion in committed capital equity and expects gross write downs of £8 billion. The bank has recently been referred to the UK’s Serious Fraud Office over allegations of breaching South Africa’s foreign exchange controls, something the bank denies.