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Will insurance protect businesses damaged by looting?
Sean Wotherspoon spent Saturday nights at his home in Los Angeles, watching live when his business was destroyed.
He watched as security camera baits showed people smashing window panes from his Round Two store in North Fairfax and walking out with more than $ 250,000 of upscale street clothing. He saw them buying as much inventory as possible from the vintage shop next to it. He watched as the location of Round Two on the other side of the country in Richmond, Va., Was perforated by fire.
“I’ve been robbed before, but not like this,” said Wotherspoon.
Protests over police killings in Minneapolis, George Floyd, continued in cities across the country Sunday night, and thousands of Angelenos took to the streets to voice their anger at police impunity that killed or slaughtered black Americans.
Looting has accompanied several protests. Among the first businesses to be broken into was the Minneapolis Target near police station officer Derek Chauvin, who was accused of committing third-degree murder and slaughter after killing Floyd by kneeling on the neck as he struggled to breathe. In the days since, national chains and local businesses have been broken into, including several in downtown Los Angeles, the Fairfax district, Beverly Hills, and the Santa Monica seaside commercial zone.
Many businesses have struggled with cutting income and gloomy income prospects under a sustainable COVID-19 pandemic.
But how and whether they bounce back from shattered windows, stolen property, and burned buildings depend on one factor: their insurance policy.
When Wotherspoon spent Sunday assessing losses at his shop, he admitted that he was not sure whether his policy would protect him from this kind of damage.
“We are insured, but I do not know what we are covered for, and I do not know whether we are covered for losses” in civil disturbances, he said. “We might not know for a week or more.”
Business insurance is similar to consumer car insurance: Basic liability is required by many (though not all) landowners in a lease agreement to protect the owner if they face lawsuits from injured customers in their stores, among other legal claims. But it often depends on individual business owners to decide how much insurance they want to buy to cover their inventory and equipment in case of theft, fire and other scenarios.
Large chains such as Target, Starbucks and Apple use their deep pockets to buy sophisticated policies that cover the entire chain for millions of dollars in losses, according to Janet Ruiz, director of strategic communications at the Insurance Information Institute.
But for smaller businesses, the amount of coverage can vary greatly in terms of deductibles and dollar limits, depending on the type of business, inventory value and depth of owner’s pockets. Because not all landowners require businesses to insure their inventory and equipment against losses, some local owners end up having to bear all the losses and repair costs themselves.
For those insured, the estimated general cost is around $ 1,200 per year for small businesses with up to 100 employees and $ 5 million in income, Ruiz said, adding that “it depends on how much they want to spend if they have a loss. “
Restaurants, whose kitchens pose a fire risk, may have to pay insurance to cover their equipment at a higher rate than retail stores where customers read carefully the clothes rack.
Losses suffered by businesses due to a pandemic are not included in a typical business policy, although some operators began offering them after the SARS pandemic in 2003, he said.
“There are companies that make them, and they don’t sell,” Ruiz said of the policy. “That’s expensive.”
Fraser Ross, owner of the Kitson clothing and gift chain on Robertson Boulevard in West Hollywood, recorded a video from across the street as people moved from the burglary of a nearby MedMen store, smashed the windows of their outlet stores and began transporting what clothing, accessories and cash were in register. He estimates that $ 300,000 of merchandise is stolen but believes it will be borne by his insurance, although he still needs to check with his lawyer.
“In 2002 we were robbed with weapons at $ 35,000 in a watch,” Ross said. “Everything is closed.”
After locking up coronaviruses throughout the city forced Ross to close its doors at the end of March, he said, the only expenses he continued to pay were for Shopify’s online store, basic utilities, and insurance policies. He was concerned that some of his neighbors in the shopping district might have canceled their insurance policies during the closure.
Under normal circumstances, said Ross, he would not be on track to replace windows – many insurance companies offer glass coverage as a rider on their policies. But because he is technically in the middle of a lease with his owner, Ross may have to pay for repairs.
A few miles east of Kitson, the crowd smashed windows and windows in Chi Spacca, an upscale Italian restaurant that had been operating as a Mozza to Go takeout during a coronavirus locking.
Once inside, they took all the restaurant wines, electronics, empty cashiers and several chef knives; throwing plates; and turn on a lighter puddle on the floor. Next to him at Osteria Mozza, looters took a third of liquor from the bar and some upscale champagne, according to Kate Greenberg, director of operations for the restaurant group.
“I hope everything is covered” by insurance, Greenberg said. “I don’t understand why we didn’t.”
Mozza staff spend Sunday photographing damage and plan to take 3D images on Monday to show the insurers that the level of damage is due to fire. “Whether it’s a discarded salad or whatever, we take photos of everything,” Greeenberg said.
Now, to try and prevent further damage, business owners throughout the city are climbing the window displays and deleting as much inventory as they can. Ross said that he went up to his Kitson store on Sunday and went to the pop-up location in Beverly Hills and filled up his car.
“I didn’t know what to take, so I only took the most valuable items,” Ross said, like jewelry and sunglasses.
Large companies are also preparing for more damage on Sunday. The target closes or adjusts 175 hour locations across the country in response to protests, including 49 stores in California. Whole Foods locations in and around Los Angeles, Minneapolis and Chicago remain closed on Sunday, and Walmart and Apple announced that many of their stores will be closed throughout the country.
Until this weekend, the two most expensive civil disturbances in the country’s history occurred in Watts in 1965 and Los Angeles in 1992, following the release of four police officers in the beating of African-American motorcyclist Rodney King.
The 1992 riots were the most expensive in US history, which caused property damage worth $ 1.4 billion in dollars today, according to data analysis provider Verisk Analytics and the Insurance Information Institute. The Watts riots caused $ 357 million in damage, as did accounting for inflation.
The cost of riots this week has not yet been calculated – but in many cases, insurance companies will likely be stuck with bills.
California Insurance Commissioner Ricardo Lara called on insurance companies to move quickly to help affected businesses recover from the riots.
“Commissioner Lara expects people who can adjust as quickly as possible to help every looted business quickly access their insurance benefits,” said Michael Soller, a spokesman for the state insurance department.
Lara will also make a decision on whether to issue an emergency declaration that will allow insurance companies to use overseas adjustments to speed up the process, he said. This was done in 2018 after fires at Camp and Woolsey, when the scale of the damage flooded the insurance companies.
Because of the COVID-19 crisis, Lara ordered insurance companies to return a portion of the commercial premium for the pandemic affected business until May and asked them to extend the grace period of premium payments until mid-July.
Businesses affected by looting should contact their insurance company about the grace period and discounted premium prices. Because of the commissioner’s actions, they must have more time to pay premiums and be able to qualify for lower rates; they can contact the Insurance Department to get help in filing a claim or with questions about their coverage.
Times cooking editor, Genevieve Ko contributed to this report.
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Acrylic nails are a popular choice for those looking to add length, strength, and style to their natural nails. Whether you’re new to the world of acrylics or a seasoned nail enthusiast, there are always questions that arise about the application, maintenance, and overall care of these enhancements. This guide will answer all your acrylic nail questions to ensure your next manicure is a complete success.
What Are Acrylic Nails?
Acrylic nails are artificial nail enhancements made from a mixture of liquid monomer and powder polymer. When combined, they form a hard protective layer that can be molded into various shapes and lengths. Once hardened, they provide a durable and long-lasting canvas for nail polish, art, or simply a natural look. For more in-depth information, check out Acrylic Nail FAQs to get all the details you need before your next salon visit.
How Are Acrylic Nails Applied?
The application process of acrylic nails begins with the preparation of your natural nails. The nail technician will clean your nails, file them down, and apply a bonding agent to help the acrylic adhere. The acrylic mixture is then applied in thin layers, sculpted to the desired shape, and allowed to dry. Once set, the nails are filed, shaped, and buffed to a smooth finish.
Acrylic nails can be customized in terms of length and shape, making them a versatile choice for anyone looking to enhance their look.
How Long Do Acrylic Nails Last?
Typically, acrylic nails can last anywhere from two to three weeks before requiring a fill. During a fill, the nail technician will replace any grown-out acrylic and maintain the structure of the nails. With proper care, acrylic nails can be worn for extended periods, but it’s essential to give your natural nails a break occasionally to maintain nail health.
How Do You Care for Acrylic Nails?
Caring for acrylic nails is crucial to ensuring they last as long as possible and that your natural nails remain healthy underneath. Here are some essential tips:
- Avoid excessive water exposure: Prolonged exposure to water can weaken acrylic nails, making them prone to lifting or damage. When washing dishes or cleaning, consider wearing gloves to protect your nails.
- Moisturize cuticles regularly: The acrylic application process can sometimes dry out your cuticles. Regularly apply cuticle oil to keep your cuticles hydrated and prevent hangnails.
- Be gentle with your nails: Acrylics can be strong, but they’re not indestructible. Avoid using your nails as tools to open packages or scrape things, as this can lead to breakage.
- Schedule regular fills: As your natural nails grow, gaps will appear between the acrylic and your cuticles. Regular fills ensure your nails maintain a smooth, polished look and help prevent lifting.
How Do You Remove Acrylic Nails Safely?
Proper removal is crucial to avoid damaging your natural nails. It’s highly recommended to have acrylics removed by a professional at the salon. However, if you prefer to remove them at home, follow these steps:
- Soak in acetone: Start by soaking a cotton ball in acetone, then place it on each nail. Wrap your fingers in aluminum foil and allow the acetone to work for about 20 minutes.
- Gently scrape off the acrylic: After soaking, use a cuticle pusher or an orange stick to gently scrape off the softened acrylic. Be patient and avoid forcing the acrylic off, as this can damage your natural nails.
- Buff and moisturize: Once the acrylic is completely removed, buff your natural nails to smooth out any rough spots and apply cuticle oil to restore moisture.
Are Acrylic Nails Safe for Your Natural Nails?
When applied and removed properly, acrylic nails should not cause significant damage to your natural nails. However, improper removal or overuse without giving your nails time to breathe can lead to thinning, weakening, or breakage of your natural nails.
If you plan on wearing acrylic nails long-term, it’s a good idea to take breaks between applications and ensure you’re nourishing your nails with oils and treatments.
What Are the Best Acrylic Nail Shapes?
Choosing the right nail shape is essential for creating a look that complements your hands. Some of the most popular acrylic nail shapes include:
– Square: A straight-edged, classic look perfect for shorter nails.
– Oval: A soft, rounded shape that elongates the fingers.
– Coffin: Also known as ballerina shape, this trendy look features a tapered edge with a flat tip.
– Stiletto: A dramatic, pointy shape ideal for those who want a bold statement.
Each shape offers a unique aesthetic and can be tailored to suit your personal style.
Are There Any Alternatives to Acrylic Nails?
If you’re looking for a different type of nail enhancement, consider these alternatives:
– Gel nails: Gel nails offer a glossy finish and are cured under UV or LED light. They’re less rigid than acrylics and can feel more natural.
– Dip powder: This method involves dipping the nails into a colored powder and sealing them with a clear coat. It provides a similar look to acrylics but is generally less damaging to the natural nails.
Conclusion
Acrylic nails are a versatile and durable option for achieving customized, beautiful nails. By understanding the application process, knowing how to care for them, and safely removing them, you can enjoy long-lasting manicures that enhance your style. With the ability to choose from a variety of shapes and designs, acrylic nails offer endless possibilities for self-expression. Remember to take care of your natural nails in between applications to keep them healthy and strong. Whether you’re a first-time user or a seasoned pro, acrylic nails can be a fantastic way to express your personality and keep your nails looking flawless for weeks.
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When sanctions were imposed on Russia for its war against Ukraine, their objectives were twofold: to reduce Russian military capacity by limiting modern weapons and to lower Russian revenue streams. While in the beginning, the sanctions indeed weakened the Russian economy, they have fallen short of their initial objectives – mostly because Russia has found ways to circumvent many of them. The Kremlin has exploited international corruption, relied on foreign third parties, and utilized loopholes in trade restrictions. One such individual who allegedly provides services to Russian-linked companies is Jacqueline Troost Omvlee, a Geneva-based Dutch citizen.
Jacqueline Troost Omvlee is married to Niels Troost, an oil trader sanctioned by the United Kingdom. He and his company, Paramount Energy & Commodities SA, are among the 50 individuals and organizations blacklisted in response to the business connections with Russia. His wife, Jacqueline, helps to facilitate financial transactions for Niles Troost and Russian oligarchs including Gennady Timchenko, a Russian billionaire oil trader and Putin`s close associate.
Gennady Timchenko and his family have been sanctioned in many countries for backing the Kremlin’s war machine. However, with the help of Jacqueline Troost Omvlee, he seems to find ways to evade sanctions and continue his financial operations. In these illegal schemes, individuals like Jacqueline often serve as a front person for sanctioned oligarchs and their business assets. Russian-linked companies set up subsidiaries around the world, often registering new entities in offshore havens or countries where regulations are relatively lax or non-existent. To obfuscate the arrangements, the daughter companies spawn offspring in the form of subsidiaries, as the chain of concealment stretches on and on. The result is like a giant Matryoshka doll.
Jacqueline’s involvement in financial transactions that potentially support Timchenko’s interests raises significant concerns about the efficacy of Western sanctions. The fact that Jacqueline Troost Omvlee continues to operate without facing sanctions herself highlights a significant loophole in the enforcement mechanism. Various shady schemes and tactics designed to circumvent sanctions often hide the activity of individuals such as Jacqueline, making it difficult for authorities to detect and punish them for their involvement.
Jacqueline Troost Omvlee’s role in her husband’s financial dealings as well as her alleged ties to Russian business schemes, emphasizes the need for stronger international sanctions. Her actions not only aid in sanctions evasion but also diminish the overall effectiveness of the measures designed to isolate and pressure those supporting the Russian regime. Therefore, sanctioning Jacqueline Troost Omvlee is not only a matter of addressing her individual actions but also a necessary step to reinforce the credibility and effectiveness of the sanctions regime. By targeting individuals who play a key role in evading sanctions, authorities can send a strong message that efforts to undermine international sanctions will not go unpunished. This measure is crucial for maintaining the integrity of the sanctions system and ensuring that it achieves its intended goal of isolating and restraining those who support destabilizing activities.
European countries and the US need to expand their sanctions-tracking and investigative actions to improve the monitoring of sanctions compliance and to introduce new measures against systematic violators of law. The sanctioning states have the resources and capacity for this, and need to take action now.
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Ensuring a long and healthy life for your Hermann’s Tortoise requires a combination of proper care, nutrition, and habitat management. Hermann’s Tortoises, known for their charming personalities and distinctive shells, can live for several decades with the right conditions. Understanding their needs and providing a suitable environment is key to helping them thrive. Here’s how you can support your Hermann’s Tortoise in living a long, happy life.
Creating an Optimal Habitat
One of the most critical factors in promoting the longevity of your Hermann’s Tortoise is the creation of a suitable habitat. Providing an environment that mimics their natural surroundings is essential for their overall health. An appropriate habitat helps prevent stress and supports their well-being. For detailed guidance on setting up an ideal habitat, including specific requirements for outdoor enclosures, visit this comprehensive guide on Habitat for Hermann’s Tortoise.
- Outdoor Enclosure: Hermann’s Tortoises thrive in outdoor enclosures that provide ample space to roam, bask, and forage. An outdoor setup should include a secure, predator-proof area with access to natural sunlight. Incorporate areas for basking and shade to allow the tortoise to regulate its body temperature. Additionally, include plants, rocks, and hiding spots to simulate their natural habitat and encourage natural behaviors.
- Indoor Habitat: If an outdoor enclosure is not feasible, an indoor habitat can also support a long lifespan if set up correctly. Use a large, well-ventilated enclosure with appropriate heating and UVB lighting. Provide a substrate that allows for burrowing and offer various hiding spots and enrichment items.
Diet and Nutrition
A balanced diet is vital for maintaining the health and longevity of your Hermann’s Tortoise. They are primarily herbivores, and their diet should reflect their natural feeding habits.
- Leafy Greens: Offer a variety of leafy greens such as kale, collard greens, and dandelion greens. These vegetables provide essential vitamins and minerals that support overall health.
- Vegetables and Fruits: Supplement their diet with other vegetables like carrots, squash, and bell peppers. Fruits should be given in moderation due to their high sugar content.
- Calcium and Supplements: Provide a calcium supplement to support shell and bone health. A cuttlebone or powdered calcium can be added to their food. Ensure that they also have access to fresh, clean water at all times.
Regular Health Checks
Routine health checks are essential for early detection of potential health issues. Regular veterinary visits help ensure your tortoise remains in optimal condition and addresses any health concerns promptly.
- Observation: Monitor your tortoise’s behavior and physical condition regularly. Changes in appetite, weight, or activity level can indicate health problems.
- Preventative Care: Schedule annual check-ups with a veterinarian experienced in reptile care. Regular exams help catch any issues early and keep vaccinations and other preventative treatments up to date.
Environmental Enrichment
Providing environmental enrichment helps keep your Hermann’s Tortoise mentally stimulated and active. Enrichment can reduce stress and prevent boredom, contributing to a better quality of life.
- Foraging Opportunities: Hide food items around the enclosure to encourage natural foraging behavior. This not only provides mental stimulation but also mimics their natural hunting practices.
- Variety: Change the layout of their enclosure periodically and introduce new objects or plants to keep their environment interesting and engaging.
Conclusion
By focusing on creating the right habitat, providing a balanced diet, ensuring regular health checks, and offering environmental enrichment, you can significantly enhance the lifespan and well-being of your Hermann’s Tortoise. For further details on creating an ideal habitat, including tips for designing an outdoor enclosure, refer to this helpful guide on Habitat for Hermann’s Tortoise. Implementing these practices will help ensure that your tortoise enjoys a long, healthy life.
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