by: Angelo G. Faraci
There is a great deal of misinformation concerning the New York Scaffold Law. The Insurance and Business Community are wrong when they say that construction workers who are ?lax about wearing safety gear? and fall from a height and are injured can hold their employer liable under New York Labor Law Section 240, the ?scaffold law.? The Court of Appeals ruled definitively in /Cahill v. Triborough Bridge and Tunnel Authority/ that if a worker has been informed about and given safety equipment and fails to use it ?for no good reason,? the employer cannot be held liable under the scaffold law for any resulting injuries.
Indeed, under the scaffold law, if a worker is the sole cause for whatever reason of his or her injury, the owner or general contractor cannot be held liable. An owner or general contractor can be held liable for a worker?s injuries only if their failure to provide appropriate safety equipment for work at an elevated height, like harnesses and properly constructed scaffolding, was the cause of the injuries.
The authors are also wrong when they blame rising contractor liability insurance on the scaffold law. In recent years, contractor liability insurance premiums have risen just as fast or even faster in many states ? and in some countries ? that have no scaffold law. In the United Kingdom, contractors report that liability insurance hikes of up 300% and more are putting many of them out of business.
Enforcement of construction safety by the U.S. Occupational Safety and Health Administration has been weak and ineffective. Without the scaffold law, the numbers of construction worker injuries and deaths in New York would surely be greater.
About The Author
Angelo G. Faraci is the founding partner of Faraci Lange, one of Western New York's leading personal injury firms. He can be reached at (585) 325-5150 or info@faraci.com. You can also visit us at www.faraci.com.
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Tips for Buying a New Home
Tips for Buying a New Home
by: Matt McWilliams
Learn from others' mistakes and save money on your new home
Buying a new home can be a daunting task, even for someone who has owned several homes. If you recently purchased your first home, you probably found that is hard to find good advice that is truly useful. You had to learn a lot on our own, but at least now you probably feel comfortable and knowledgeable about the whole process.
My wife and I recently purchased a new home in Tennessee. Here are some helpful hints we picked up along the way:
1. Use all of the online resources available. Almost every state and local government has a website where you can research real estate information. The data on home sales, taxes, and neighborhoods is invaluable when you are shopping for a home. We were able to find out the most recent sale prices in the neighborhood we selected, and we didn't have to rely on a real estate agent to get the...
Tips for Buying a New Home
Insurance > Tips for Buying a New Home
Life Assurance
Life Assurance
by: Gary Tallon
Planning for your future life can seem like a time consuming burden when you have a young family. After all, where do you find the time in your life to think about things like life assurance while you're struggling to keep work and home life pressures in check? Our departure from this life though cannot be predicted. You and your partner may live a good life to a ripe old age, or you could pass away tomorrow. If the worst were to happen to you, where would that leave your partner and your dependants? Would they be financially secure for the rest of their life after their loss and not have to worry about paying the mortgage? If not, then a life assurance policy is a must.
Life assurance for life and death
Life assurance, also known as life insurance, is an assurance policy that pays out a lump sum to a named person(s) in the event of your death. This type of assurance policy is inexpensive to maintain, assurance...
Life Assurance
Insurance > Life Assurance
Auto Insurance Guide- Get your Auto Insurance Policy
Auto Insurance Guide- Get your Auto Insurance Policy
by: Gagandeep Dhaliwal
Auto insurance provides complete protection against losses happened as a result of vehicle accidents. Normally it includes car insurance and motor insurance. The customers purchase this insurance policy just to reduce the risk incurred due to accidents of cars, trucks and other vehicles. People can also secure their vehicles against theft, fire damage or accident damage.
Auto insurance policy may cover insured party, insured vehicle as well as third party that are involved in the accident. Sometimes policy is valid for certain circumstances. Different policies are available for the customers and they can purchase anyone as per their requirements. Coverage levels can vary for each auto insurance policy.
Insurance is one of the essential things to secure you, your family as well as your vehicle. You?ve to just pay a certain amount of premium for a fixed period...
Auto Insurance Guide- Get your Auto Insurance Policy
Insurance > Auto Insurance Guide- Get your Auto Insurance Policy
Key Person Life Insurance
Key Person Life Insurance
by: Ivon T. Hughes
Small businesses help keep our country going. But a small business needs help to keep going after the loss of someone vital to the company. There are options available you need to know about.
KEY PERSON IS ANYONE WHO IS IMPORTANT
In small to medium size businesses, the key person may be the business owner, a top sales rep or the person who does the financing. What would happen to that company if one of these key people were to suddenly die? There may be a rough period of transition until a replacement is found. If the owner was the one to die, that could mean the resulting death of the company. Losing the top sales person may mean losing some of those accounts that kept the business running.
YOU NEED LIFE INSURANCE ON THE KEY PERSON
The key person is someone who is vital to the company; someone who cannot be easily replaced and whose knowledge is key to the company. By not recognizing...
Key Person Life Insurance
Insurance > Key Person Life Insurance
5 Considerations To Computing Your Car Insurance Premiums
5 Considerations To Computing Your Car Insurance Premiums
by: Justin Koh
Have you ever wonder why car insurance costs vary from one car insurance company to the other? This is due to the different type of computation factors that car insurance companies use to derive the car insurance cost. Based on the answers that you replied to the car insurance company, they will add or discount the cost before arriving at a final price for your car insurance. Thus, it is important for you to shop around first before you commit yourself to a particular car insurance company as different companies take a different view of the various high risk factors. We will look at some of the factors that car insurance companies take into considerations.
1. Having a clean driving record.
Without a doubt, car insurance cost would increase if you have been convicted of a driving conviction. Thus, it pays to be a safe driver so that unnecessary costs won't be incurred.
2. Adding...
5 Considerations To Computing Your Car Insurance Premiums
Insurance > 5 Considerations To Computing Your Car Insurance Premiums
Trepidation in Choosing a BIKE
Trepidation in Choosing a BIKE
by: Maricon Williams
Choosing and purchasing a bike is no easy matter. You will be first entangled to lots of choice making it harder for you to choose. There are a lot of influences from persons close to you as well as from a pool of authority people. Each of them is offering a good bike but how are you to choose?
When I purchased my second bike, I was given a long-list of selection. From my own search diligence, I have read several reviews and road tests. In connection with my environment, vast advice kept on coming. Advises from my friends, acquaintances, co-workers, relatives and riders are overwhelming.
There are those who are solid to Harley Road King. For them, it is important that your bike?s tank has the Harley-Davidson?s stamped legacy. Others go for Suzuki while others are for Yamaha. There are those who are more on the performance aspect. They are considering a bike which can still comfort even...
Trepidation in Choosing a BIKE
Insurance > Trepidation in Choosing a BIKE
Critical Illness Insurance And Life Insurance Cover For Better And For Worse.
Critical Illness Insurance And Life Insurance Cover For Better And For Worse.
by: Rachel Lane
There are three main types of insurance cover you can buy to protect yourself and your family: life insurance, private medical insurance and critical illness insurance. If you want your financial health to be completely bionic then you could choose all three types of insurance, but if your family finances are more restricted, it might be better to insure yourself with critical illness insurance and life insurance. Critical illness insurance should not be confused with private medical insurance or even income protection insurance and it?s important that you do a full evaluation of your needs before you pursue the different insurance options.
The purpose of critical illness cover (CIC) is to fill a gap that is left by traditional life insurance policies, which will only provide a pay-out on the death of the policy holder. CIC provides a tax free lump...
Critical Illness Insurance And Life Insurance Cover For Better And For Worse.
Insurance > Critical Illness Insurance And Life Insurance Cover For Better And For Worse.
A HUD Reverse Mortage For Retirement?
A HUD Reverse Mortage For Retirement?
by: Charles Kirkendall
HUD reverse mortgages can be a great tool for Seniors that are looking for additional funds for retirement. Through a HUD reverse mortgage, seniors can tap into the equity from their homes without having to make repayments.
HUD Reverse Mortgage Eligibility
Homeowners must meet the following criteria in order to be eligible for a HUD reverse mortgage:
- Homeowner must be age 62 or older.
- The home must be owned free and clear or have a mortgage balance that can be paid from equity.
- The home must be a principal residence.
- The property must be a single-family home, a one-to-four unit dwelling with one unit occupied by the applicant, a manufactured home (mobile home), or a unit in condominiums or Planned Unit Developments.
- The property must meet minimum property standards.
Homeowners that qualify can receive payments in a lump sum, on a monthly...
A HUD Reverse Mortage For Retirement?
Insurance > A HUD Reverse Mortage For Retirement?
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