#NY General Contractor companies | Explore Tumblr posts and blogs

mostlysignssomeportents · 8 months ago

Text

The reason you can’t buy a car is the same reason that your health insurer let hackers dox you

On July 14, I'm giving the closing keynote for the fifteenth HACKERS ON PLANET EARTH, in QUEENS, NY. Happy Bastille Day! On July 20, I'm appearing in CHICAGO at Exile in Bookville.

In 2017, Equifax suffered the worst data-breach in world history, leaking the deep, nonconsensual dossiers it had compiled on 148m Americans and 15m Britons, (and 19k Canadians) into the world, to form an immortal, undeletable reservoir of kompromat and premade identity-theft kits:

https://en.wikipedia.org/wiki/2017_Equifax_data_breach

Equifax knew the breach was coming. It wasn't just that their top execs liquidated their stock in Equifax before the announcement of the breach – it was also that they ignored years of increasingly urgent warnings from IT staff about the problems with their server security.

Things didn't improve after the breach. Indeed, the 2017 Equifax breach was the starting gun for a string of more breaches, because Equifax's servers didn't just have one fubared system – it was composed of pure, refined fubar. After one group of hackers breached the main Equifax system, other groups breached other Equifax systems, over and over, and over:

https://finance.yahoo.com/news/equifax-password-username-admin-lawsuit-201118316.html

Doesn't this remind you of Boeing? It reminds me of Boeing. The spectacular 737 Max failures in 2018 weren't the end of the scandal. They weren't even the scandal's start – they were the tipping point, the moment in which a long history of lethally defective planes "breached" from the world of aviation wonks and into the wider public consciousness:

https://en.wikipedia.org/wiki/List_of_accidents_and_incidents_involving_the_Boeing_737

Just like with Equifax, the 737 Max disasters tipped Boeing into a string of increasingly grim catastrophes. Each fresh disaster landed with the grim inevitability of your general contractor texting you that he's just opened up your ceiling and discovered that all your joists had rotted out – and that he won't be able to deal with that until he deals with the termites he found last week, and that they'll have to wait until he gets to the cracks in the foundation slab from the week before, and that those will have to wait until he gets to the asbestos he just discovered in the walls.

Drip, drip, drip, as you realize that the most expensive thing you own – which is also the thing you had hoped to shelter for the rest of your life – isn't even a teardown, it's just a pure liability. Even if you razed the structure, you couldn't start over, because the soil is full of PCBs. It's not a toxic asset, because it's not an asset. It's just toxic.

Equifax isn't just a company: it's infrastructure. It started out as an engine for racial, political and sexual discrimination, paying snoops to collect gossip from nosy neighbors, which was assembled into vast warehouses full of binders that told bank officers which loan applicants should be denied for being queer, or leftists, or, you know, Black:

https://jacobin.com/2017/09/equifax-retail-credit-company-discrimination-loans

This witch-hunts-as-a-service morphed into an official part of the economy, the backbone of the credit industry, with a license to secretly destroy your life with haphazardly assembled "facts" about your life that you had the most minimal, grudging right to appeal (or even see). Turns out there are a lot of customers for this kind of service, and the capital markets showered Equifax with the cash needed to buy almost all of its rivals, in mergers that were waved through by a generation of Reaganomics-sedated antitrust regulators.

There's a direct line from that acquisition spree to the Equifax breach(es). First of all, companies like Equifax were early adopters of technology. They're a database company, so they were the crash-test dummies for ever generation of database. These bug-riddled, heavily patched systems were overlaid with subsequent layers of new tech, with new defects to be patched and then overlaid with the next generation.

These systems are intrinsically fragile, because things fall apart at the seams, and these systems are all seams. They are tech-debt personified. Now, every kind of enterprise will eventually reach this state if it keeps going long enough, but the early digitizers are the bow-wave of that coming infopocalypse, both because they got there first and because the bottom tiers of their systems are composed of layers of punchcards and COBOL, crumbling under the geological stresses of seventy years of subsequent technology.

The single best account of this phenomenon is the British Library's postmortem of their ransomware attack, which is also in the running for "best hard-eyed assessment of how fucked things are":

https://www.bl.uk/home/british-library-cyber-incident-review-8-march-2024.pdf

There's a reason libraries, cities, insurance companies, and other giant institutions keep getting breached: they started accumulating tech debt before anyone else, so they've got more asbestos in the walls, more sagging joists, more foundation cracks and more termites.

That was the starting point for Equifax – a company with a massive tech debt that it would struggle to pay down under the most ideal circumstances.

Then, Equifax deliberately made this situation infinitely worse through a series of mergers in which it bought dozens of other companies that all had their own version of this problem, and duct-taped their failing, fucked up IT systems to its own. The more seams an IT system has, the more brittle and insecure it is. Equifax deliberately added so many seams that you need to be able to visualized additional spatial dimensions to grasp them – they had fractal seams.

But wait, there's more! The reason to merge with your competitors is to create a monopoly position, and the value of a monopoly position is that it makes a company too big to fail, which makes it too big to jail, which makes it too big to care. Each Equifax acquisition took a piece off the game board, making it that much harder to replace Equifax if it fucked up. That, in turn, made it harder to punish Equifax if it fucked up. And that meant that Equifax didn't have to care if it fucked up.

Which is why the increasingly desperate pleas for more resources to shore up Equifax's crumbling IT and security infrastructure went unheeded. Top management could see that they were steaming directly into an iceberg, but they also knew that they had a guaranteed spot on the lifeboats, and that someone else would be responsible for fishing the dead passengers out of the sea. Why turn the wheel?

That's what happened to Boeing, too: the company acquired new layers of technical complexity by merging with rivals (principally McDonnell-Douglas), and then starved the departments that would have to deal with that complexity because it was being managed by execs whose driving passion was to run a company that was too big to care. Those execs then added more complexity by chasing lower costs by firing unionized, competent, senior staff and replacing them with untrained scabs in jurisdictions chosen for their lax labor and environmental enforcement regimes.

(The biggest difference was that Boeing once had a useful, high-quality product, whereas Equifax started off as an irredeemably terrible, if efficient, discrimination machine, and grew to become an equally terrible, but also ferociously incompetent, enterprise.)

This is the American story of the past four decades: accumulate tech debt, merge to monopoly, exponentially compound your tech debt by combining barely functional IT systems. Every corporate behemoth is locked in a race between the eventual discovery of its irreparable structural defects and its ability to become so enmeshed in our lives that we have to assume the costs of fixing those defects. It's a contest between "too rotten to stand" and "too big to care."

Remember last February, when we all discovered that there was a company called Change Healthcare, and that they were key to processing virtually every prescription filled in America? Remember how we discovered this? Change was hacked, went down, ransomed, and no one could fill a scrip in America for more than a week, until they paid the hackers $22m in Bitcoin?

https://en.wikipedia.org/wiki/2024_Change_Healthcare_ransomware_attack

How did we end up with Change Healthcare as the linchpin of the entire American prescription system? Well, first Unitedhealthcare became the largest health insurer in America by buying all its competitors in a series of mergers that comatose antitrust regulators failed to block. Then it combined all those other companies' IT systems into a cosmic-scale dog's breakfast that barely ran. Then it bought Change and used its monopoly power to ensure that every Rx ran through Change's servers, which were part of that asbestos-filled, termite-infested, crack-foundationed, sag-joisted teardown. Then, it got hacked.

United's execs are the kind of execs on a relentless quest to be too big to care, and so they don't care. Which is why their they had to subsequently announce that they had suffered a breach that turned the complete medical histories of one third of Americans into immortal Darknet kompromat that is – even now – being combined with breach data from Equifax and force-fed to the slaves in Cambodia and Laos's pig-butchering factories:

https://www.cnn.com/2024/05/01/politics/data-stolen-healthcare-hack/index.html

Those slaves are beaten, tortured, and punitively raped in compounds to force them to drain the life's savings of everyone in Canada, Australia, Singapore, the UK and Europe. Remember that they are downstream of the forseeable, inevitable IT failures of companies that set out to be too big to care that this was going to happen.

Failures like Ticketmaster's, which flushed 500 million users' personal information into the identity-theft mills just last month. Ticketmaster, you'll recall, grew to its current scale through (you guessed it), a series of mergers en route to "too big to care" status, that resulted in its IT systems being combined with those of Ticketron, Live Nation, and dozens of others:

https://www.nytimes.com/2024/05/31/business/ticketmaster-hack-data-breach.html

But enough about that. Let's go car-shopping!

Good luck with that. There's a company you've never heard. It's called CDK Global. They provide "dealer management software." They are a monopolist. They got that way after being bought by a private equity fund called Brookfield. You can't complete a car purchase without their systems, and their systems have been hacked. No one can buy a car:

https://www.cnn.com/2024/06/27/business/cdk-global-cyber-attack-update/index.html

Writing for his BIG newsletter, Matt Stoller tells the all-too-familiar story of how CDK Global filled the walls of the nation's auto-dealers with the IT equivalent of termites and asbestos, and lays the blame where it belongs: with a legal and economics establishment that wanted it this way:

https://www.thebignewsletter.com/p/a-supreme-court-justice-is-why-you

The CDK story follows the Equifax/Boeing/Change Healthcare/Ticketmaster pattern, but with an important difference. As CDK was amassing its monopoly power, one of its execs, Dan McCray, told a competitor, Authenticom founder Steve Cottrell that if he didn't sell to CDK that he would "fucking destroy" Authenticom by illegally colluding with the number two dealer management company Reynolds.

Rather than selling out, Cottrell blew the whistle, using Cottrell's own words to convince a district court that CDK had violated antitrust law. The court agreed, and ordered CDK and Reynolds – who controlled 90% of the market – to continue to allow Authenticom to participate in the DMS market.

Dealers cheered this on: CDK/Reynolds had been steadily hiking prices, while ingesting dealer data and using it to gouge the dealers on additional services, while denying dealers access to their own data. The services that Authenticom provided for $35/month cost $735/month from CDK/Reynolds (they justified this price hike by saying they needed the additional funds to cover the costs of increased information security!).

CDK/Reynolds appealed the judgment to the 7th Circuit, where a panel of economists weighed in. As Stoller writes, this panel included monopoly's most notorious (and well-compensated) cheerleader, Frank Easterbrook, and the "legendary" Democrat Diane Wood. They argued for CDK/Reynolds, demanding that the court release them from their obligations to share the market with Authenticom:

https://caselaw.findlaw.com/court/us-7th-circuit/1879150.html

The 7th Circuit bought the argument, overturning the lower court and paving the way for the CDK/Reynolds monopoly, which is how we ended up with one company's objectively shitty IT systems interwoven into the sale of every car, which meant that when Russian hackers looked at that crosseyed, it split wide open, allowing them to halt auto sales nationwide. What happens next is a near-certainty: CDK will pay a multimillion dollar ransom, and the hackers will reward them by breaching the personal details of everyone who's ever bought a car, and the slaves in Cambodian pig-butchering compounds will get a fresh supply of kompromat.

But on the plus side, the need to pay these huge ransoms is key to ensuring liquidity in the cryptocurrency markets, because ransoms are now the only nondiscretionary liability that can only be settled in crypto:

https://locusmag.com/2022/09/cory-doctorow-moneylike/

When the 7th Circuit set up every American car owner to be pig-butchered, they cited one of the most important cases in antitrust history: the 2004 unanimous Supreme Court decision in Verizon v Trinko:

https://www.oyez.org/cases/2003/02-682

Trinko was a case about whether antitrust law could force Verizon, a telcoms monopolist, to share its lines with competitors, something it had been ordered to do and then cheated on. The decision was written by Antonin Scalia, and without it, Big Tech would never have been able to form. Scalia and Trinko gave us the modern, too-big-to-care versions of Google, Meta, Apple, Microsoft and the other tech baronies.

In his Trinko opinion, Scalia said that "possessing monopoly power" and "charging monopoly prices" was "not unlawful" – rather, it was "an important element of the free-market system." Scalia – writing on behalf of a unanimous court! – said that fighting monopolists "may lessen the incentive for the monopolist…to invest in those economically beneficial facilities."

In other words, in order to prevent monopolists from being too big to care, we have to let them have monopolies. No wonder Trinko is the Zelig of shitty antitrust rulings, from the decision to dismiss the antitrust case against Facebook and Apple's defense in its own ongoing case:

https://www.ftc.gov/system/files/documents/cases/073_2021.06.28_mtd_order_memo.pdf

Trinko is the origin node of too big to care. It's the reason that our whole economy is now composed of "infrastructure" that is made of splitting seams, asbestos, termites and dry rot. It's the reason that the entire automotive sector became dependent on companies like Reynolds, whose billionaire owner intentionally and illegally destroyed evidence of his company's crimes, before going on to commit the largest tax fraud in American history:

https://www.wsj.com/articles/billionaire-robert-brockman-accused-of-biggest-tax-fraud-in-u-s-history-dies-at-81-11660226505

Trinko begs companies to become too big to care. It ensures that they will exponentially increase their IT debt while becoming structurally important to whole swathes of the US economy. It guarantees that they will underinvest in IT security. It is the soil in which pig butchering grew.

It's why you can't buy a car.

Now, I am fond of quoting Stein's Law at moments like this: "anything that can't go on forever will eventually stop." As Stoller writes, after two decades of unchallenged rule, Trinko is looking awfully shaky. It was substantially narrowed in 2023 by the 10th Circuit, which had been briefed by Biden's antitrust division:

https://law.justia.com/cases/federal/appellate-courts/ca10/22-1164/22-1164-2023-08-21.html

And the cases of 2024 have something going for them that Trinko lacked in 2004: evidence of what a fucking disaster Trinko is. The wrongness of Trinko is so increasingly undeniable that there's a chance it will be overturned.

But it won't go down easy. As Stoller writes, Trinko didn't emerge from a vacuum: the economic theories that underpinned it come from some of the heroes of orthodox economics, like Joseph Schumpeter, who is positively worshipped. Schumpeter was antitrust's OG hater, who wrote extensively that antitrust law didn't need to exist because any harmful monopoly would be overturned by an inevitable market process dictated by iron laws of economics.

Schumpeter wrote that monopolies could only be sustained by "alertness and energy" – that there would never be a monopoly so secure that its owner became too big to care. But he went further, insisting that the promise of attaining a monopoly was key to investment in great new things, because monopolists had the economic power that let them plan and execute great feats of innovation.

The idea that monopolies are benevolent dictators has pervaded our economic tale for decades. Even today, critics who deplore Facebook and Google do so on the basis that they do not wield their power wisely (say, to stamp out harassment or disinformation). When confronted with the possibility of breaking up these companies or replacing them with smaller platforms, those critics recoil, insisting that without Big Tech's scale, no one will ever have the power to accomplish their goals:

https://pluralistic.net/2023/07/18/urban-wildlife-interface/#combustible-walled-gardens

But they misunderstand the relationship between corporate power and corporate conduct. The reason corporations accumulate power is so that they can be insulated from the consequences of the harms they wreak upon the rest of us. They don't inflict those harms out of sadism: rather, they do so in order to externalize the costs of running a good system, reaping the profits of scale while we pay its costs.

The only reason to accumulate corporate power is to grow too big to care. Any corporation that amasses enough power that it need not care about us will not care about it. You can't fix Facebook by replacing Zuck with a good unelected social media czar with total power over billions of peoples' lives. We need to abolish Zuck, not fix Zuck.

Zuck is not exceptional: there were a million sociopaths whom investors would have funded to monopolistic dominance if he had balked. A monopoly like Facebook has a Zuck-shaped hole at the top of its org chart, and only someone Zuck-shaped will ever fit through that hole.

Our whole economy is now composed of companies with sociopath-shaped holes at the tops of their org chart. The reason these companies can only be run by sociopaths is the same reason that they have become infrastructure that is crumbling due to sociopathic neglect. The reckless disregard for the risk of combining companies is the source of the market power these companies accumulated, and the market power let them neglect their systems to the point of collapse.

This is the system that Schumpeter, and Easterbrook, and Wood, and Scalia – and the entire Supreme Court of 2004 – set out to make. The fact that you can't buy a car is a feature, not a bug. The pig-butcherers, wallowing in an ocean of breach data, are a feature, not a bug. The point of the system was what it did: create unimaginable wealth for a tiny cohort of the worst people on Earth without regard to the collapse this would provoke, or the plight of those of us trapped and suffocating in the rubble.

Support me this summer on the Clarion Write-A-Thon and help raise money for the Clarion Science Fiction and Fantasy Writers' Workshop!

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2024/06/28/dealer-management-software/#antonin-scalia-stole-your-car

Image: Cryteria (modified) https://commons.wikimedia.org/wiki/File:HAL9000.svg

CC BY 3.0 https://creativecommons.org/licenses/by/3.0/deed.en

995 notes · View notes

certifiedinspectionsofficial · 29 days ago

Text

7 Things You Must Check Before Hiring a Mold Inspection Company in Westchester

When hiring a mold inspection company in Westchester, New York, it’s important to conduct thorough research and ensure that the company you choose is qualified and reputable. Proper mold inspection is the first step toward effective mold removal in Westchester, NY, helping homeowners and businesses address mold problems before they worsen. Here are seven things you must check before hiring a mold inspection company in Westchester:

1. Certification and Licensing

Check if the mold inspection company has the necessary certifications and licenses to operate in Westchester. Look for certifications such as Certified Mold Inspector (CMI) and Certified Mold Remediation Contractor (CMRC), which are issued by reputable organizations such as the Indoor Air Quality Association (IAQA) and the Institute of Inspection, Cleaning, and Restoration Certification (IICRC). Hiring a certified company ensures that your mold inspection is conducted professionally and in compliance with industry standards.

2. Experience and Expertise

Inquire about the experience and expertise of the mold inspection company. Ask how long they have been in business and whether they have handled mold inspections specifically in Westchester. A company with extensive experience in mold removal in Westchester, NY, is more likely to provide accurate assessments and effective recommendations for remediation.

3. Reputation and Reviews

Research the reputation of the mold inspection company by checking online reviews and testimonials from previous customers. Look for feedback on their website, social media, and other online platforms. Positive reviews and strong recommendations indicate a trustworthy company that provides reliable mold inspection services.

4. Insurance Coverage

Ensure that the mold inspection company has proper insurance coverage, including general liability insurance and workers’ compensation insurance. This protects both you and the company in case of any accidents or damages that may occur during the inspection process. Hiring an insured company gives you peace of mind, knowing you won’t be held responsible for any unexpected incidents.

5. Scope of Services

Inquire about the scope of services offered by the mold inspection company. A reputable company should provide comprehensive mold inspections, including visual assessments, moisture testing, air sampling, and laboratory testing if needed. If mold is detected, they should also offer guidance on mold removal in Westchester, NY, and recommend the next steps to ensure a safe and mold-free environment.

6. Equipment and Technology

Ask about the type of equipment and technology used by the mold inspection company. A professional company should use advanced tools such as moisture meters, thermal imaging cameras, and air sampling devices to accurately detect and identify mold growth. The right technology ensures a thorough inspection and more precise results.

7. Cost and Estimates

Request detailed cost estimates from the mold inspection company and compare them with other reputable companies in the area. Keep in mind that the cheapest option may not always be the best. Consider the company’s qualifications, experience, and reputation along with the cost. Investing in quality mold inspection services is crucial for identifying potential issues before they escalate, saving you time and money in the long run.

By checking these seven factors before hiring a mold inspection company in Westchester, you can ensure that you are hiring a qualified and reputable team that will provide accurate and reliable mold inspection services. Whether you’re dealing with minor mold concerns or need full-scale mold removal in Westchester, NY, choosing the right professionals can help protect your health and property from the harmful effects of mold growth.

0 notes

slowlyscentedobservation · 25 days ago

Text

The Lifespan of an Asphalt Driveway: How Long Can You Expect It to Last?

Introduction

As homeowners, we often find ourselves investing in various aspects of our property, from landscaping to exterior paint. One significant investment that can greatly impact your home's curb Take a look at the site here appeal and functionality is the driveway. When it comes to driveway paving, asphalt is a popular choice due to its durability and cost-effectiveness. However, like any material, asphalt driveways have a lifespan that can vary based on numerous factors. This article delves into The Lifespan of an Asphalt Driveway: How Long Can You Expect It to Last? We’ll explore everything you need to know about maintaining your blacktop driveway, choosing the right asphalt companies near Saratoga Springs NY, and understanding when it’s time for repairs or replacement.

Understanding Asphalt Driveways What is Asphalt?

Asphalt is a composite material made primarily of aggregates (stone, sand, or gravel) mixed with a binder (bitumen). This combination gives asphalt its robust characteristics, making it ideal for road construction and residential driveways alike.

Benefits of Using Asphalt for Driveways Cost-Effective: Compared to concrete, asphalt is generally more affordable both in terms of installation and maintenance. Quick Installation: Asphalt driveways can often be installed within a day. Durability: With proper care, asphalt driveways can last decades. Smooth Surface: Provides a smooth driving experience. Common Misconceptions About Asphalt

Many people believe that asphalt driveways are inferior to concrete options. However, this isn’t necessarily true. Each material has its own set of advantages and drawbacks depending on climate, usage, and maintenance practices.

Factors Affecting the Lifespan of an Asphalt Driveway Quality of Installation

The first step in ensuring your asphalt driveway lasts as long as possible is quality installation by a reputable asphalt contractor. Poorly laid asphalt can lead to issues down the line such as cracks and potholes.

Climate Conditions

Extreme weather conditions play a significant role in determining how long your driveway will last. For instance:

Freeze-Thaw Cycles: In regions experiencing cold winters, freeze-thaw cycles can cause cracking. Sun Exposure: UV rays can degrade the surface over time. Traffic Load

Heavy vehicles exert more pressure on your driveway than standard passenger cars. If you're frequently parking trucks or SUVs on your asphalt surface, expect more wear and tear.

Maintenance Practices

Regular maintenance significantly extends the lifespan of an asphalt driveway. Simple actions like sealing cracks and applying sealcoating can work wonders.

youtube

The Lifespan of an Asphalt Driveway: How Long Can You Expect It to Last?

On average, you can expect an asphalt driveway to last between 15 to 30 years with proper care. However, this range depends heavily on installation quality, environmental conditions, and maintenance efforts.

Initial Years (0-5): In the first few years following installation, your driveway will typically perform well

#Youtube

0 notes

bllsbailey · 26 days ago

Text

Sheehy, Hegseth Impress With Hilarious Exchange at Hearing, Also Shows Pete Has Most Important Quality

There were a lot of rancorous moments during the confirmation hearing on Tuesday for SecDef nominee Pete Hegseth.

There were some truly vile moments, such as when Sen. Tim Kaine (D-VA), who looked like the Joker, invoked Hegseth's young daughter in an effort to attack him. Then there were the wild rants from some of the Democratic women, including Sen. Kirsten Gillibrand (D-NY).

But they really weren't able to lay a glove on him and at this point, he seems likely to be confirmed.

WATCH: Kirsten Gillibrand Implodes During Pete Hegseth Confirmation Hearing As He Refuses to Be Rattled

Pete Hegseth Brings His 'A' Game and Gets the Job Done

But one of the most interesting exchanges was with new Sen. Tim Sheehy (R-MT), who was able to unseat Jon Tester in Big Sky Country, and he was impressive in his questioning of Hegseth. It was hilarious, but it also got to the most important quality that a SecDef needs to have.

HEGSETH: I did 5 sets of 47 this morning. SHEEHY: Most important strategic base is in the Pacific? HEGSETH: Guam. SHEEHY: How many rounds of 5.56 can you fit into the magazine of an M4 rifle? HEGSETH: Standard issue is 30. SHEEHY: What size round is the M9 Beretta standard issue sidearm for the military? HEGSETH: 9mm. SHEEHY: What kind of batteries do you put in your night vision goggle? HEGSETH: Duracell. SHEEHY: You represent what warfighters deal with every day on the battlefield. You understand them. What happens is - decisions made in rooms like this cause d*ad 17, 18, 19-year-old Americans. Your priority is warfighters. I support you.

The "she/he" take is pretty funny, given the senator's name.

There has been all kinds of palaver about Hegseth's qualifications. But indeed, he has the most important quality that seems to have been missing for a long time -- will he have the backs of the warfighters? That's the bottom line. He's been on the line, he knows the questions, and he knows the answers. But most importantly, he's committed to doing the best he can for the warfighters, not the military-industrial complex.

As Hegseth said in his opening statement.

It is true that I don’t have a similar biography to Defense Secretaries of the last 30 years. But, as President Trump also told me, we’ve repeatedly placed people atop the Pentagon with supposedly “the right credentials”—whether they are retired generals, academics, or defense contractor executives—and where has it gotten us? He believes, and I humbly agree, that it’s time to give someone with dust on his boots the helm. A change agent. Someone with no vested interest in certain companies or specific programs or approved narratives.

0 notes

earthroadasphalt · 1 month ago

Text

Building Quality That Lasts

Earth Road Asphalt has been Auburn, NY’s trusted paving company for over 76 years. As a woman-owned, family-led business, we bring generations of expertise to every project. Our comprehensive services include driveways, parking lots, asphalt seal coating, site excavation, and decorative stamped asphalt. We take pride in delivering durable, cost-effective solutions that enhance curb appeal and extend the life of your surfaces. Known for quality, integrity, and community commitment, Earth Road Asphalt is dedicated to building lasting relationships with clients. Contact us today to elevate your property with expert paving services!

315-253-9060

277 North St. Bldg. A Auburn, NY 13021

#AsphaltMilling #SustainablePaving #CostEffective #EcoFriendly #PropertyInvestment #AsphaltPavingCentralNY #PavingPerfection #KickingAsphalt #Blacktop #AmericanAsphaltWorkers #MadeInAmerica #ResidentialPaving #CommercialPaving #EarthRoadAsphalt

#syracuse #asphalt #asphalt paving #asphalt milling #sealcoating #pavingsyracuse

0 notes

ivankahasbeentreatedsounfairly · 2 months ago

Text

The NY Times

by Kirsten Grind, Sheera Frenkel, and Eric Lipton from Washington.

Elon Musk and his rocket company, SpaceX, have repeatedly failed to comply with federal reporting protocols aimed at protecting state secrets, including by not providing some details of his meetings with foreign leaders, according to people with knowledge of the company and internal documents.

Concerns about the reporting practices — and particularly about Mr. Musk, who is SpaceX’s chief executive — have triggered at least three federal reviews, eight people with knowledge of the efforts said. The Defense Department’s Office of Inspector General opened a review into the matter this year, and the Air Force and the Pentagon’s Office of the Under Secretary of Defense for Intelligence and Security separately initiated reviews last month.

The Air Force also recently denied Mr. Musk a high-level security access, citing potential security risks associated with the billionaire. Several allied nations, including Israel, have also expressed concerns that he could share sensitive data with others, according to defense officials.

Internally, SpaceX has a team that is expected to ensure compliance with the government’s national security rules. Some of those employees have complained to the Defense Department’s Office of Inspector General and other agencies about the lax reporting, which goes back to at least 2021, four people with knowledge of the company said. SpaceX was awarded at least $10 billion in federal contracts with the Pentagon and NASA from 2019 to 2023, making it a major contractor.

Mr. Musk is facing scrutiny as he wields increasing power around the world through his myriad businesses — particularly SpaceX but also the social media company X and the electric carmaker Tesla. While the 53-year-old has long blown past norms and conventions that do not suit him or his companies, the stakes are arguably higher when it comes to national security matters.

For years, SpaceX workers responsible for upholding disclosure rules grudgingly allowed Mr. Musk to disregard many of the reporting procedures, as they did not want to lose their jobs, the people with knowledge of the company said. But the issue has reached a tipping point as Mr. Musk’s influence is set to escalate. An ardent supporter of President-elect Donald J. Trump, he was named last month to help lead an effort to winnow the federal bureaucracy and has joined calls that Mr. Trump has held with foreign leaders.

Some SpaceX workers have become concerned about Mr. Musk’s ability to handle sensitive information, especially as he posts openly on X about everything from video games to diplomatic meetings, the people said. The fears have been compounded because Mr. Musk has a top secret security clearance at SpaceX, which makes him privy to classified material such as advanced U.S. military technology.

Under security clearance rules, Mr. Musk must report information about his private life and foreign travel, among other details, to the Defense Department as part of a process known as “continuous vetting.” That allows the government to evaluate whether someone with a high-level security clearance should continue handling sensitive information.

But since at least 2021, Mr. Musk and SpaceX have not adhered to those reporting requirements, the people with knowledge of SpaceX said. He and his team have not provided some details of his travel — such as his full itineraries — and some of his meetings with foreign leaders, they said. He has also not reported his use of drugs, which is required even with a prescription, they said.

It is unclear why Mr. Musk did not report some of this information to the government, especially since he sometimes posts on X about matters that he does not relay to the Defense Department. It is also unclear if Mr. Musk instructed SpaceX to not report the information. No federal agency has accused him of disclosing classified material.

Still, “to have someone who has major contracts with the government who would be in a position to pass along — whether deliberately or inadvertently — secrets is concerning,” said Senator Jeanne Shaheen, Democrat of New Hampshire and a member of the Senate Committees on Armed Services and Foreign Relations.

Last month, Ms. Shaheen asked the Air Force and the Defense Department’s Office of Inspector General to investigate whether Mr. Musk was having inappropriate communications with foreign leaders, including President Vladimir V. Putin of Russia.

The Air Force and the Pentagon’s Office of the Under Secretary of Defense for Intelligence and Security initiated their reviews in response to questions from Ms. Shaheen and another lawmaker. On Friday, a day after The New York Times asked the secretary of the Air Force, Frank Kendall, about the matter, he responded to Ms. Shaheen, saying federal privacy laws prohibited him from discussing Mr. Musk’s case.

“The Department of the Air Force takes security matters very seriously, and I share your concerns,” he said.

Whether the federal reviews will affect Mr. Musk or SpaceX is unclear. Some of the SpaceX employees who complained about the privately held company’s reporting practices have been fired or forced out, the people with knowledge of the rocket maker said. Two defense officials said senior Pentagon leaders had given directives to avoid discussing the matter so they would not become targets of Mr. Musk, who has promised to cut government workers and budgets in his new role in Washington.

As a matter of constitutional law, Mr. Trump could grant a security clearance to anyone after his inauguration, even if others in the government object.

Mr. Musk, a lawyer for Mr. Musk and SpaceX did not return requests for comment.

A Defense Department spokesman declined to comment. A spokesman for the department’s Office of Inspector General, which is a quasi-independent watchdog arm, said the office could “neither confirm nor deny the existence of an ongoing investigation.”

Mr. Kendall declined to comment on Mr. Musk, but said the Pentagon was serious about security clearance rules. “We depend upon enforceable and executable contracts, and we enforce them,” he said in an interview at the Pentagon.

Top Secret

Mr. Musk’s security clearance has been fraught for years, three people with knowledge of the matter said. Until about 2018, he held a midlevel secret clearance at SpaceX, they said. That year, the company applied for a higher level of clearance known as “top secret” on his behalf.

Many SpaceX employees hold some level of security clearance since the company is a defense contractor that puts NASA astronauts into orbit and provides its Starlink satellite internet service to the military. It is also helping the federal government build a new constellation of spy satellites.

Security clearances are critical for the government to protect intelligence and state secrets. Officials examine an applicant’s financial background and personal relationships, interviews the applicant’s friends and family and collects documents outlining the person’s history.

The Defense Counterintelligence and Security Agency, which is in charge of vetting individuals seeking access to classified information, took more than two years — an atypical length that was more than double the average time — to approve Mr. Musk’s top secret security clearance, three people with knowledge of the matter said. Top secret is the highest clearance through the security agency, but some government departments offer separate levels of access to classified materials that can be higher.

During that period, Mr. Musk was filmed on Joe Rogan’s podcast smoking pot, which remains illegal at the federal level and is prohibited under security clearance rules. His business interests in China, where Tesla has a factory, were also a concern, the people familiar with the matter said. Mr. Musk ultimately received the clearance.

A spokesman for the Defense Counterintelligence and Security Agency said he could not address any questions related to Mr. Musk.

Those holding a security clearance must self-report certain details of their lives during the continuous vetting process. The Air Force, as part of its contracts with SpaceX that include classified work, pays the company to hire a special staff to ensure these requirements are honored.

SpaceX’s team that reports such information for its employees, including Mr. Musk, was until recently overseen by Terrence O’Shaughnessy, a retired four-star Air Force general and a top lieutenant to the billionaire, four people with knowledge of the team said. Mr. Musk has recommended General O’Shaughnessy for a position in the new Trump administration.

Mr. Musk was required to learn the rules related to security clearances to receive one, and was given annual tests reminding him of the rules, three people said.

Yet at least as of 2021, Mr. Musk and his team began not providing some details of his meetings and travel plans, five people said. His private security employees who travel with him report some of his activities to SpaceX, which in turn reports the information to the government. But often, not all the details of each trip are divulged — such as what was discussed in meetings — while some appointments are not mentioned at all, the people said.

At the same time, Mr. Musk posts about his activities on X and has been heavily covered by the media. When SpaceX employees asked whether personal details that Mr. Musk had written on X and the media coverage should be officially reported, senior managers sometimes instructed them not to do it, often without giving a reason, the people said.

Government agencies “want to ensure the people who have clearances don’t violate rules and regulations,” said Andrew Bakaj, a former Central Intelligence Agency official and lawyer who works on security clearances. “If you don’t self-report, the question becomes: ‘Why didn’t you? And what are you trying to hide?’”

‘A Wild Card’

Other governments have also grown increasingly wary of Mr. Musk’s ability to handle classified information. Nine countries, including in Europe and the Middle East, have raised security questions about him in meetings with U.S. defense officers in the past three years, two defense officials said.

In meetings about Starlink between Israeli military intelligence officers and U.S. defense officials in early 2023, the Israeli Ministry of Defense called Mr. Musk “a wild card,” two people with knowledge of the conversations said. Israeli officials were concerned that he could pass sensitive data about Israel to others, though they eventually allowed Starlink into the country this year.

Israel’s Ministry of Defense did not respond to a request for comment.

In August 2023, Mr. Musk wrote on X that he took ketamine, an anesthetic with psychedelic properties, when his “brain chemistry sometimes goes super negative.” He has said he has a prescription for the drug.

Any drug use is supposed to be disclosed to the Defense Department, but SpaceX and Mr. Musk did not report it at the time, three people with knowledge of the company said.

Around that time, the Air Force denied Mr. Musk a high-level security access — the so-called Special Access Program status, which is reserved for extremely sensitive classified programs — four people with knowledge of the rejection said. Without that access, federal law would prohibit Mr. Musk from participating in certain SpaceX meetings where classified Air Force programs were discussed.

One Pentagon official said Mr. Musk had been rejected because of potential security risks such as his extensive contacts with foreign officials, his foreign investments and a “lack of explanation” related to some of the foreign contacts.

SpaceX executives assured the Defense Department that they kept Mr. Musk out of the most sensitive classified discussions, the official said. Yet Pentagon officials remain concerned that Mr. Musk has joined some meetings where such matters were discussed, even without the special clearance, the official said.

Mr. Kendall, the Air Force secretary, said a Special Access Program denial did not necessarily mean the individual had been deemed a security risk.

Such programs are “controlled on a strict need-to-know basis,” he said. “So the fact that somebody might or might not have gotten access to a program doesn’t really imply anything about that person.”

Representative Jim Himes of Connecticut, the senior Democrat on the House Intelligence Committee, said Mr. Musk, like anyone with a security clearance, must honor the rules.

“He doesn’t get a bye just because he’s the world’s richest man,” Mr. Himes said.

But Representative Doug Lamborn, a Republican from Colorado on the House Armed Services Committee, said Mr. Musk was “obviously a patriotic American and I don’t think would ever knowingly give aid or comfort to an adversary of the United States.”

Danielle Brian, the executive director of the Project on Government Oversight, a nonprofit that examines Pentagon contracts, said the debate over Mr. Musk’s compliance with security rules was the first clear conflict of interest that had emerged over his roles as a defense contractor and Trump adviser.

“He is creating a very threatening environment for government institutions that we rely on to reveal wrongdoing when it happens,” she said. “It is going to break our system of accountability and checks and balances.”

Inside SpaceX

At SpaceX, some employees have been concerned for years that the company lets top executives like Mr. Musk avoid reporting some information to the government while rank-and-file workers must strictly follow the rules.

That gap worsened this year when SpaceX hired Daniel Collins, a former Defense Department official, to help run the team that works on continuous vetting, the people with knowledge of the company said. Mr. Collins, who reported to General O’Shaughnessy, has allowed some executives who did not have the proper clearance into classified meetings, they said. He also discouraged reporting violations of security clearances, including by Mr. Musk, they said.

General O’Shaughnessy referred questions to SpaceX. Mr. Collins did not return requests for comment.

Some SpaceX workers said they feared speaking up since the company had fired employees who raised concerns to the National Labor Relations Board about Mr. Musk. But on Nov. 2, Cody Miller, an Army veteran who worked on security clearances at SpaceX, emailed senior executives and accused them of picking and choosing which government rules to follow, according to a copy of the message viewed by The Times.

SpaceX has a “let’s push it till we are caught mentality,” Mr. Miller wrote, adding that top executives followed the rules only “when convenient for senior leaders.”

That same day, SpaceX’s human resources department called Mr. Miller and pushed him to leave, three people with knowledge of the company said. Mr. Miller agreed to resign.

https://www.nytimes.com/2024/12/17/technology/elon-musk-spacex-national-security-reporting.html

0 notes

cakanilaw · 2 months ago

Text

Trusted Legal Support for Construction and Personal Injury Cases

Construction sites are among the most hazardous workplaces, often resulting in severe injuries when accidents occur. A Construction Accident Law Firm Yonkers NY provides specialized legal assistance to construction workers and their families. These firms understand the unique challenges faced in construction injury cases, including navigating complex laws and dealing with multiple parties, such as employers, contractors, and insurance companies. Their expertise ensures victims receive the compensation they deserve for medical bills, lost wages, and pain and suffering.

Personal Injury Law: Comprehensive Support for Victims

Accidents caused by negligence can have long-term consequences, both physically and financially. A Personal Injury Law Firm in Bronx NY offers tailored legal representation to individuals who have been harmed in car accidents, slip-and-falls, medical malpractice, or workplace injuries. These firms work tirelessly to build strong cases, ensuring victims are fairly compensated for their losses and provided with the resources needed for recovery.

Building a Case for Construction Accident Victims

Construction accidents often involve multiple factors, such as equipment failure, unsafe working conditions, or lack of proper safety measures. A Construction Accident Law Firm Yonkers NY conducts thorough investigations to determine liability and gather critical evidence. By working with experts and reviewing safety protocols, these firms ensure every aspect of the accident is addressed, strengthening the victim’s case.

Advocacy for Personal Injury Victims in the Bronx

Personal injury victims often face mounting medical expenses, lost wages, and emotional distress. A Personal Injury Law Firm in Bronx NY provides the support needed to navigate these challenges. By negotiating with insurance companies and pursuing legal claims when necessary, these firms help victims achieve justice and regain financial stability. Their dedication to their client’s well-being ensures no detail is overlooked.

The Role of Expert Legal Guidance

Both construction accidents and personal injury cases require legal expertise to navigate complex claims processes. A Construction Accident Law Firm Yonkers NY brings in-depth knowledge of construction regulations and worker protections, while a personal injury firm focuses on general negligence laws. This expertise ensures victims have a strong advocate on their side, capable of handling even the most complicated legal matters.

The Emotional Toll of Accidents and Injuries

The aftermath of an accident extends beyond physical injuries, often affecting victims emotionally and mentally. A Personal Injury Law Firm in Bronx NY recognizes these non-economic damages and fights for compensation that reflects the full scope of the victim’s suffering. This holistic approach ensures clients receive comprehensive support during a difficult time.

Litigation as a Path to Justice

Some cases require litigation to achieve a fair resolution. Both a Construction Accident Law Firm Yonkers NY and a personal injury firm are prepared to take cases to court if necessary. Their litigation skills ensure that victims’ rights are represented forcefully, whether negotiating settlements or presenting evidence before a judge and jury.

Helping Victims Rebuild Their Lives

Recovering from an accident involves more than financial compensation—it’s about rebuilding lives. A Personal Injury Law Firm in Bronx NY assists clients in securing funds for rehabilitation, long-term care, and other necessary resources. Their commitment to helping victims move forward ensures a brighter future for those affected by negligence.

Find out more today, visit our site.

Harlem Ladder Accident Lawyer

0 notes

malcarne · 3 months ago

Text

Embracing Nature's Beauty with Professional Tree Service

Trees are an essential part of our environment, contributing to the beauty and ecological balance of our surroundings. However, there are moments when these leafy giants need to be managed or removed for safety reasons or landscape modifications. When such situations arise, professional tree removal service becomes indispensable.

Understanding the Need for Tree Removal Service

Tree removal service is a critical aspect of arboriculture aimed at removing trees that pose risks to property and individuals or interfere with other plants' growth, utility wires, or construction projects. The necessity for this service can stem from various scenarios like disease, storm damage, or potential hazards due to leaning trees that threaten structures. Homeowners often underestimate the complexity involved in safely removing a tree. It's not simply about cutting down a trunk; it involves strategic planning and execution to prevent property damage and ensure everyone's safety. This is where professional tree service comes into play.

The Benefits of Hiring a Professional Tree Service

A professional tree service offers expertise in safely handling dangerous tasks associated with tree removal. Experienced contractors have the necessary equipment and knowledge to perform these services effectively. They understand how to manage the unpredictable nature of falling branches and trunks, which could cause harm if not handled correctly. One significant advantage of enlisting professionals is their commitment to safety standards. Professional contractors are trained to follow rigorous safety protocols that minimize risks during the removal process. Furthermore, they often carry insurance that protects both their crew members and your property from accidental damage. Another benefit is preventing potential legal issues. In many localities, removing trees without proper permits or adherence to regulations can result in hefty fines. Professionals within this field are generally well-versed in local laws and can navigate the permitting process on behalf of homeowners.

Selecting Your Tree Removal Service Provider

Choosing the right contractor for your tree removal needs is crucial. Look for providers who offer comprehensive tree service options including assessment, pruning, stump grinding, and disposal after removal. A full-service approach ensures all aspects of the task are covered professionally. When selecting a provider, consider their reputation within your community and industry certifications demonstrating their commitment to excellence in arboriculture practices. Testimonials from satisfied clients can also be telling indicators of a company's reliability and quality of workmanship. In conclusion, while trees add immense value to our lives by offering shade, beauty, and habitat for wildlife; sometimes they must be removed for practical reasons. Whether it's due to potential danger or landscaping requirements—a professional tree removal service ensures that such processes are conducted safely and efficiently. By hiring expert contractors with experience in providing comprehensive tree services you safeguard your assets while preserving as much natural beauty as possible around your home or business establishment.

Malcarne Tree

267 South Rd, Stanfordville, NY 12581

845-393-9101

0 notes

bildcoorg · 4 months ago

Text

Complete Home Renovation & Remodeling General Contractor Smithtown NY

We are a bathroom and kitchen remodeler in Smithtown, NY, dedicated to providing our clients with exceptional designs, quality craftsmanship, and personalized service. With years of combined industry experience, our team has the expertise to handle every aspect of your remodeling project, from initial design to final touches. As a fully licensed and insured general contracting company, we commit to not only meeting but exceeding your expectations with every project. Trust Bildco Inc. for high-quality, safe, and beautiful kitchen and bathroom transformations.

#home renovation

1 note · View note

slowlyscentedobservation · 26 days ago

Text

Top 5 Benefits of Installing a Blacktop Driveway

Introduction

When it comes to enhancing your home's curb appeal, functionality, and overall value, one of the most impactful upgrades you can make is installing a blacktop driveway. This choice not only serves as a practical solution for parking but also significantly improves the aesthetic appeal of your property. But why should you consider installing a blacktop driveway? In this article, we’ll delve into the Top 5 Benefits of Installing a Blacktop Driveway that make it an ideal choice for homeowners everywhere.

Top 5 Benefits of Installing a Blacktop Driveway 1. Enhanced Durability and Longevity

A blacktop driveway is made from asphalt, which is known for its durability. When properly installed by an experienced asphalt contractor, it can withstand heavy vehicles and harsh weather conditions.

1.1 Resistance to Weather Elements

Asphalt driveways are designed to withstand extreme temperatures—both hot and cold. They resist cracking during winter freeze-thaw cycles and hold up well against summer heat.

Tip: Regular maintenance, such as sealing cracks and applying sealant every few years, can prolong the lifespan of your blacktop driveway even further. 2. Cost-Effectiveness

Installing a blacktop driveway is often more affordable than other alternatives like concrete or pavers.

youtube

2.1 Lower Initial Investment

The initial cost of materials and installation for a blacktop driveway is generally lower than that of concrete driveways. If you're exploring options with local asphalt companies near Saratoga Springs NY, you'll find competitive pricing that makes budgeting easier.

Fact: Many homeowners recoup their investment in increased home value when choosing asphalt for their driveways. 3. Quick Installation Process

One significant advantage of blacktop driveways is their efficient installation process.

3.1 Fast Project Turnaround

Typically, an asphalt driveway can be installed in just Visit the website a few days, depending on weather conditions and the size of the area being paved.

Pro Tip: Ensure you hire skilled professionals for your driveway paving project to avoid delays and subpar work. 4. Aesthetic Appeal

When considering the aesthetics, blacktop driveways offer sleek elegance while blending seamlessly with various home styles.

4.1 Customizable Options

You can customize your blacktop driveway with different finishes, colors, or even decorative designs, allowing you to personalize your home's exterior appearance.

Creative Approach: Consider integrating borders or patterns that complement your landscaping or home design. 5. Environmentally Friendly Choice

Blacktop driveways are inherently more eco-friendly than many other types due to their recyclability.

5.1 Sustainable Materials

Asphalt is made from natural materials such as sand and gravel, making it less harmful to the environment compared to other materials like concrete or pavers.

#Youtube

0 notes

nv-roofing · 4 months ago

Text

Brownstone Roofing Specialists in Brooklyn: Trusted Local Experts for Quality and Durability

When it comes to preserving the charm and historical value of Brooklyn’s iconic brownstone homes, every detail matters. Among the most essential elements that require attention and maintenance is the roof. That’s where Brownstone Roofing Specialists Brooklyn, NY come into play, providing expert services tailored to the unique architectural style of these homes. If you own a brownstone in Brooklyn, understanding the importance of proper roofing is critical to maintaining both its aesthetic appeal and structural integrity.

Why Brownstones Require Specialized Roofing Services

Brooklyn’s brownstones are more than just buildings; they are a symbol of the borough’s rich history and cultural heritage. These homes, characterized by their distinct brown sandstone façade, often date back to the 19th century. As a result, maintaining them requires specialized knowledge and expertise—especially when it comes to roofing, Certified roofing company Brooklyn, NY.

Traditional roofing companies may not be equipped to handle the intricacies of these structures. The materials, methods, and care needed for brownstone roofing are vastly different from those of modern buildings. That’s why hiring Brownstone Roofing Specialists in Brooklyn is a smart decision. They understand the historical significance of these homes and have the skills to ensure that your roof not only functions well but also blends seamlessly with the architectural style.

Services Offered by Brownstone Roofing Specialists

The services provided by Brownstone Roofing Specialists are designed to cater to the specific needs of Brooklyn’s brownstone homes. Here are some of the essential services offered:

Roof Restoration and Repair: Over time, weather conditions and natural wear can cause damage to a brownstone’s roof. Specialists are trained to identify and repair leaks, cracks, and structural issues without compromising the home’s historical charm.

Custom Roof Installation: If you’re looking to replace your roof, these experts can design and install a roof that complements the original design of your brownstone. Whether it’s slate, metal, or a synthetic alternative, they’ll ensure the new roof is durable and in harmony with the rest of the structure.

Gutter and Drainage Solutions: Proper drainage is essential to preventing water damage, especially in older homes like brownstones. Roofing specialists can assess your current system and recommend upgrades or repairs that will enhance the longevity of your roof.

Historical Preservation Consulting: Brownstone Roofing Specialists often provide consulting services for homeowners looking to maintain the historical authenticity of their property. They work closely with local preservation boards to ensure all renovations or repairs comply with historical regulations.

Why Choose Brownstone Roofing Specialists in Brooklyn?

Hiring a general contractor for your brownstone may seem like an easy solution, but there are several reasons why you should opt for a specialist instead:

Expertise in Brownstone Architecture: These specialists have years of experience dealing with brownstones. They know what materials and techniques are best suited for preserving the structural integrity of your home.

Attention to Detail: Brownstone Roofing Specialists in Brooklyn pay close attention to even the smallest details, ensuring the final product is both functional and visually in line with the original design.

Customized Solutions: Every brownstone is unique, and so are the roofing solutions. Specialists offer tailored services that fit the specific needs of each home.

Conclusion

Maintaining a brownstone in Brooklyn is a labor of love, and every aspect of the home, including the roof, requires specialized care. Brownstone Roofing Specialists in Brooklyn offer the expertise and services necessary to preserve both the beauty and functionality of these historic homes. By entrusting your brownstone’s roofing needs to specialists, you’re ensuring that your home remains a beloved part of Brooklyn’s architectural landscape for years to come.

#best roofing contractor in brooklyn #best commercial roofing contractor in brooklyn #best roofer near me bronx

0 notes

gvsgvsgv · 5 months ago

Text

Construction Company Saratoga Springs NY

Clifton Construction proudly serves Saratoga Springs, NY, as a leading general contractor specializing in kitchen and bathroom remodels. We bring unparalleled craftsmanship to every project, transforming homes with custom designs and quality finishes. Trust us to create stunning, functional spaces that enhance the beauty and value of your home.

0 notes

robertomableagency · 5 months ago

Text

Customizing Commercial insurance in Walton and Hobart, NY for Business Vehicles

Businesses in Hobart and Oneonta, NY, rely on vehicles to support daily operations across various industries. Whether it's delivering goods, transporting construction materials, or providing mobile services, commercial auto insurance is crucial for protecting these assets. The type of coverage that works best for one industry may not be suitable for another. Tailoring commercial auto insurance to meet the unique needs of each business ensures optimal protection and cost-efficiency.

Here's a closer look at how businesses in industries like construction, logistics, and food delivery can customize their commercial insurance in Walton and Hobart, NY, to meet their specific operational risks.

Commercial Auto Insurance for the Construction Industry

Construction companies rely heavily on vehicles to transport workers, tools, and materials to job sites. As such, construction vehicles face unique risks, making tailored insurance coverage essential.

Types of Vehicles: Construction firms typically operate larger vehicles, such as pickup trucks, dump trucks, and flatbeds. These vehicles require specialized coverage to handle their size, weight, and load.

Liability Coverage: Construction sites are high-risk environments, so it's important to have comprehensive liability coverage. If a company vehicle damages another person's property while transporting heavy equipment, this coverage protects the business from financial ruin.

Cargo Coverage: Since construction vehicles often carry expensive tools and materials, adding cargo coverage is essential to protect these items from theft or damage during transit.

Physical Damage Protection: Trucks and heavy-duty vehicles are prone to damage, especially in rough construction environments. Collision and comprehensive coverage can protect the business from the high cost of repairs if an accident occurs on the job site or during transportation.

Commercial Auto Insurance for the Logistics Industry

The logistics and delivery sector in Hobart and Oneonta handles moving goods from one location to another. Businesses in this industry use various vehicles, including delivery vans, semi-trucks, and box trucks, and they must ensure that their policies cover a wide range of operational risks.

Types of Vehicles: Logistics companies operate a mix of small and large vehicles. Fleet insurance may be necessary for businesses that operate multiple vehicles, offering streamlined coverage for every asset in the fleet.

Liability and Cargo Insurance: For logistics companies, liability insurance is a must-have, as drivers spend significant time on the road, increasing the risk of accidents. Additionally, since these vehicles often carry valuable cargo, it's critical to have cargo insurance in place to protect against theft, loss, or damage while in transit.

Non-Owned Vehicle Coverage: Non-owned vehicle coverage is essential if logistics businesses rely on independent contractors or rented vehicles for deliveries. This protects the business if an accident occurs while using a vehicle that the company does not own.

Commercial Auto Insurance for the Food Delivery Industry

Restaurants and food delivery services in Hobart and Oneonta also require tailored commercial auto insurance. Whether they use their own vehicles or employee-owned cars, food delivery businesses face unique challenges when protecting their vehicles and employees on the road.

Hired and Non-Owned Auto Insurance (HNOA): Many food delivery services rely on employees using their vehicles for deliveries. In such cases, businesses need HNOA coverage to protect against liability if an employee's vehicle is involved in an accident while on the job.

Liability Protection: Since food delivery drivers are on the road frequently and often under time pressure, the risk of accidents is higher. General liability coverage protects businesses from legal claims and medical expenses resulting from accidents caused by their delivery vehicles.

Customizable Deductibles: Delivery services, especially small ones, can choose higher deductibles to lower their monthly premiums, which can help manage costs while still providing essential protection.

The Benefits of Customization

By tailoring their commercial auto insurance in Hobart and Oneonta, NY, businesses can ensure that they only pay for the coverage they need. Each industry faces unique risks, and customizing coverage to meet these risks can prevent overpaying for blanket policies that don't address specific business needs.

Every industry has its own set of operational challenges, and businesses in Hobart and Oneonta need commercial auto insurance that reflects their specific needs. From construction companies moving heavy equipment to delivery services ensuring timely food deliveries, the right insurance policy can protect assets, reduce risks, and keep businesses running smoothly.

#commercial insurance in Walton and Hobart #NY #auto insurance in Hobart and Oneonta

0 notes