General Liability Endorsements for subcontractors

Three primary endorsements to note when applying for General Liability, let's take a look at each in succession:

• Waiver of Subrogation (def: to put something in the place of another in respect of a right or claim)
• Example: A subcontractor drops a cigarette in a paper bin and the house is destroyed. The adjustor finds that the sub was the direct reason for the ruination. A waiver of Subrogation, signed in advance, insures that the insurance company will pay for damages, and not sue the sub for the damages. 
• The Sub endorses for the waiver to negate the carrier's lawsuit
• These are typically $100 each, but if not in force, damages that a sub causes will be impervious from litigation.
• Additional Insured:
• Example: A subcontractor is working for a General and leaves a roof exposed overnight. Rain causes drywall damage. If the general is sued, the Subs' policy, with an A/I endorsement, will negate the suit.
• What contracts require this and how many are typical? A/I's will lower premiums in the future of the General's GL policy, since less claims will be filed against the general's policy. In the case above, the Sub's GL policy covers, instead of the Generals'.
• Special Wording:
• Example: A company has an insurance policy that is used over the general contractor's policy for extra coverage, where the general's policy is then the excess coverage.
• What contracts require this and how many are typical? Often, bids for government jobs require special wording for subcontractors.

Infrastructure Committee meeting, 7/16

Again I was in the boardroom. Sat next to a lawyer that immediately engaged with me, and I noticed on his phone the words God and Satan in a note he was composing, and I realized most people have strong religious doctrines in the upper society.
It was a thinner crowd with little on the docket, but I still gained experience, considering I was very vocal despite my youthful naivety. The points addressed:

• LOSSAN railway corridor: 
• We estimate increase from 70 trains moving from SAN to LOS Angeles to increase by almost 70% in the next 15 years. 
• 1/2 of tracks now are single, with debilitating down-times and lags.
• Only 1/2 is funded by government, the rest will be funds raised or capitalized by public investors
• 19 projects are being developed now, including 13 miles of double track (design phase), Crossovers, Reconstruction of bridges, and station improvements (i.e. Oceanside)
• $905 million allocated to trains today, $6.5 Billion for {trains, I-5 and environment protection
• Allows more efficient passage of freight and passengers in SOCAL
• Del Mar fairgrounds to have a 1000 ft. platform and new bridge
• Current bridge is >100 years old
• Last year 2 million went to races or the fair
• Maximum speed of 90 MPH currently, 70 trains.
• Metropolitan Airpark/Brown Field (Otay Mesa)
• Currently Otay Mesa is under-developed, economic stimulant is necessary
• 20 year project in 4 phases to impact economy by $840 MM during construction
• 8,000 temp jobs, 4,000 permanent
• Currently in a zone green-lighted for development, and as of now under-developed
• $545 MM in annual revenues when complete
• 331 acres of airfield development, including manufacturing and other industrial/commercial business
• Increase local government's general tax fund and generate budget capital
• Develop a third executive airpark in San Diego, which should be an aerospace hub
• Project is being opposed by environmental protection (vernal protection) and labor requisites

In my opinion, the oppositions are of very low magnitude, and will not halt operations. The current bidders are well versed in necessitating federal guidelines and will ultimately have this plan issued in the next few months. As of now, $12 MM has been used to design and facilitate the project, and $840 MM is needed total, and $0 will be tax relief. 4 vernal pools will be displaced in the development, while SD county has almost 3,000. Thesis: develop San Diego county. Population density will always be my #1 concern, but considering the airfield is only 20 miles from Downtown, urban development and accommodation should also be the bidder's #1 concern. 

Roofing: types of construction

In covering commercial risks, we often run into contractors who provide roofing services and deal products as well. You may notice many roofs available, and different roofs require different services. 

• Torch down - applying roofing strips by means of propane torch on asphalt-like bitumen (that is attached to the single-ply roofing strips)
• Hot tar- Applying hot tar normally by mop to a roof and then laying strips on top
• Foam roofing - Spray a poly-urethane coat onto a roof (high insulation rating)
• Shingles - Applied with Bitumen or asbestos, shingles are predominately fiberglass but some are still made of wood. Shingles need oils to repel water, and over years the oil comes off and the shingles are susceptible to rotting. When rotten, nailheads are exposed and holes are created, also algae may be a problem.
• Tile- Hard and brittle, which means if a tree falls, the roof is destroyed.
• Metal roof- green certified (maybe made from recyclable material)
• 35-50 years longevity to be painted, never need to replace