Mediation of contracting disputes brings complex issues into the open. In these times of enormously high legal expenses and expert witness fees, to lower insurance costs it becomes incumbent to find new ways to shorten and simplify the existing complex litigation process. The route that appears to achieve the most success, the speediest as well as the least expensive conclusion for all concerned, should encompass the mediation process right from the start.

With mediation rather than trial as the vehicle for the successful settlement of the controversy, all elements of the dispute should be exposed up front and open to discussion right from the start.

In contrast, when trial is the final arbiter, experts and counsel alike tend to keep as much information as possible close to the vest and out of the prying eyes of the opposition. Because counsel have a general obligation to settle the case for as much or as little as possible (depending on whose side they’re on) extreme caution is the golden rule.

To analyze the possible construction defects in a case, invasive or destructive testing of the various construction elements, although very expensive, must be performed. The results of these tests form the initial basis of the plaintiff’s case.

Unfortunately, such tests are not the end - they are merely the beginning of a prolonged series of tests by the contractor and then by various subcontractors, all of which are designed to refute or cast doubt on the plaintiff’s findings.

For all parties, accuracy in defining and characterizing the issues is of paramount importance. One should not assume that the opposition will not notice mistakes. In fact most experts search for discrepancies, mistakes, duplications or other anomalies in the opposition’s reports before they look to the defects themselves.

Once the issues are properly defined and evaluated, the mediation can commence. This is when the realization sets in that mediation of construction defect issues is far more complex than most realize.

Even experienced lawyers who can anticipate most of the eventualities in conventional cases are frequently surprised at the complexities encountered in their first construction defect mediation.

A case in point: Subcontractors are often at odds with each other about their actual work in place, while being insured by the same carrier. Or the same carrier has to provide coverage through additionally insured endorsements to parties that would otherwise be in complete conflict with each other. Each party has insurance complications because each one has a different idea and agenda concerning the alleged defects.

Mediation in such conflicts generally involves three separate (but not always distinct) coverage issues. Plaintiff vs. General contractor and/or developer, plaintiff vs. the various subcontractors, and contractor and/or developer vs. the subcontractors. To define the issues in their simplest terms; the plaintiff sues the developer, who in turn sues the general contractor, who in turn sues the subcontractors who actually performed the alleged defective construction work.

Each subcontractor eventually tries to blame another trade or two (”they made me do it”) or alleges that the work in place was defective because it was constructed out of sequence (the fault of the job superintendent, who of course made them do it). Few subcontractors admit that the defects affecting their work were caused by any fault or carelessness of their own.

Last but not least, the defect may have been determined to have been caused by shoddy maintenance. Sometimes the homeowner, after years of property neglect, now wants the developer or contractor to pay for the damage caused by that neglect. Of course the plaintiffs have the obligation of proving their contentions, but it is generally the contractor or developer who must eventually prove the issues to the various subs.

Each subcontractor is required to have a comprehensive understanding of the requirements of its own trade, together with a general understanding of the various specialty trades whose work should have been performed prior to or under their work. Subcontractors should not attempt to perform their work over the work of any other trades that they know, or should have known, is defective or incomplete. Unfortunately, in the complex world of fast-track construction, multifarious elements are supposed to be nicely coordinated into a cohesive bundle, but because of the speed required to complete the work in a timely manner, the cohesiveness is missing.

A day late with supplies may mean that the labor required to install that particular element is now off working on another job. Other trades standing by to complete their work will sometimes start before the job is ready for them. Sometimes this process succeeds, but sadly for the insurance carrier, more often than not the out-of-sequence construction helps provide the legal and expert witness communities with an abundance of work.

The legal aspects of the interrelated construction issues, coupled with the liability and coverage issues, are the chief reasons why mediation has come to seem the settlement method of choice. Without mediation, cases will continue to be settled, but at what cost to the community at large? The cost of doing business involves the cost of defending and paying for the defense as well as the ultimate costs of the actually required re mediation work. If insurance companies pay out millions in claims costs, that money comes from the increased premiums paid by policyholders. Such a wasteful system could be improved with the fresh mind-set of mediation instead of litigation.

The author is a Construction Defects Expert. Visit his site at: http://constructiondefectsexpert.com

[tags]successful settlement,construction defects,construction defect issues,construction defect mediation[/tags]

Employers and self-employed people, as well as people in control of premises, must legally report certain types of accident to the Incident Contact Centre of the Health and Safety Executive (HSE).

All of the kinds of injuries listed below need to be reported if they happen to an employee, a self-employed person or a member of the public, if their injury happened while they were on the premises. The Reporting of Injuries, Diseases and Dangerous Occurrences Regulations 1995 (RIDDOR), places a legal duty to report:

Work-related deaths

If an employee, a self-employed person working on the premises, or a member of public is killed, this must be reported straight away.

Major injuries

Some types of serious injuries should be reported to the HSE.

The injuries you need to report are:

- Asphyxia or exposure to a harmful substance which causes unconsciousness
- Acute illnesses needing medical treatment, or loss of consciousness resulting from exposure to a biological agent or absorption of any harmful substance through ingestion, inhalation or through the skin
- Dislocated shoulders, hips, knees or spine
Chemical or hot metal burns, or any other penetrating injuries to the eye
- Electrical shocks or burns which lead to unconsciousness or need resuscitation or hospital admission for over 24 hours
- Any injury leading to hypothermia, unconsciousness or a heat-related illness, any injury requiring resuscitation or hospital admission for over 24 hours
- Broken/fractured bones, other than fingers, thumbs and toes
- Amputations

Over-three-day injuries

If a work-related injury leads to the injured person having to take more than three days off work, or leaves them unable to perform their usual duties for more than three days, this needs to be reported.

Work-related diseases

As well as injuries, certain types of diseases need to be reported. These include:

- Certain musculoskeletal disorders, hand-arm vibration syndrome, work-related cancer and decompression illness
- Serious infections like tetanus, legionellosis, anthrax, tuberculosis, hepatitis and leptospirosis
- Lung diseases like work-related asthma, mesothelioma, asbestosis, farmer’s lung and pneumoconiosis
- Some skin diseases like work-related dermatitis, chrome ulcer, oil folliculitis/acne and skin cancer

Dangerous occurrences (near miss accidents)

There are a range of dangerous incidents which should be reported, even if they did not actually injure anyone. If an incident occurred which could, potentially, have caused severe human injury or illness, it should be reported.

Making a claim for compensation

If you have suffered a serious accident at work which wasn’t your fault, and it was so serious that it needed to be reported to the Health and Safety Executive, you may be able to claim compensation for your injury. Your company will be insured for compensation claims and you will be able to claim on a ‘no win, no fee’ basis.

Many people find the period after a work accident can be hard, with potential recuperation costs and loss of earnings leaving them badly out of pocket. With a no win, no fee compensation claim, some of these concerns following a work accident can be alleviated. Remember: you cannot be fired for making a personal injury claim against your employer.

National Accident Helpline are specialists in work accident claims.

[tags]no win no fee, claim, compensation, personal injury, accident, injury[/tags]

A fire risk assessment is a safety measure which highlights any potential causes of fire or hazards in the event of one. There are many possible causes of fires, especially in office environments, and having these managed or preferably minimised is a good way to hopefully eliminate the risk of a blaze.

Current legislation states that all businesses must have at least one member of staff responsible for fire safety, though all employees should be mindful of it. This designated person must be legally registered and will often have to go through fire marshal training and it will be their responsibility to arrange for a fire risk assessment as well attempting to minimise the risks within the office.

A fire risk assessment will usually be carried out by the appointed person within your office, though some fire safety companies will gladly come into your office and carry this out for you. This has the advantage of being completely independent and also ensures that your risk assessment will be carried out by a qualified and experienced professional rather, often costing far less than you may expect.

A risk assessment is a process by which someone examines your place of work and highlights any potential hazards, be they possible causes or obstructions which can hamper your staff’s escape if a fire occurs. This is normally carried out in three stages: first the assessor will identify the hazards which will include anything capable of starting a fire, possible fuels and oxygen sources which will encourage it to burn.

The next stage is to determine any individuals at risk, which means people who work with or close to fire hazards, work alone or in out of the way areas, or less mobile staff members such as pregnant women or disabled individuals.

The final stage of a fire risk assessment is to evaluate the risks discovered and reduce or remove them if possible. For example, bicycles left in the hallway can be an obstruction in the event that several staff members need to escape, and stocks of paper left by an electrical outlet can be an excellent source of fuel in the event that the outlet malfunctions. Simple risks such as these are easy to remedy and should not cause too much upheaval in your workplace, whereas more complex hazards such as flammable chemicals may find themselves needing to be managed in a more comprehensive manner.

Though it can be almost impossible to completely eliminate fire hazards from your office, taking the time to either do a thorough risk assessment yourself or hiring independent professionals to do it and ensuring that your staff undertake their legally-required fire safety training on a regular basis can hopefully help to keep your office and employees safe.

Thomas Pretty is an ex fireman who has been providing fire safety training for many years. Find out more about afire risk assessment for your workplace at http://www.ukfiretraining.com/

[tags]Fire risk assessment[/tags]

Though not a subject many people think much about unless they’re having a bad day, numerous office buildings will experience a fire every year. This article will attempt to provide some useful fire safety tips, both as preventative measures and to keep employees safe in the event that a fire does happen.

The most important factor in keeping the office and employees safe is for everyone to attend a fire safety training course and to have regular refreshment sessions. Although many people resent being sent on courses, especially ones that they don’t deem necessary to their work, it is a legal requirement that all employees receive training in accordance with the Fire Safety Order 2005.

Every building should have an emergency evacuation plan which should be both easily available and tested with regular drills. Ensuring that each employee knows the plan, the floor layout of the building and at least two escape routes from their workstation will go a long way toward keeping them safe in the event of an emergency.

Computers and printers are such a part of both our working and home lives that we often forget that, like any electronic device, they have the potential to be a fire hazard. Ensure that all electrics are regularly checked by a qualified inspector and keep these devices away from combustible materials. Turning all computers off at night is not always possible, but if non-essential workstations are switched off, preferably at the plug, at the end of the day it eliminates a further potential risk.

The dream of the paperless office never really came true; in fact many offices now have more paperwork than ever, and paper is a good source of fuel for fire. Keep paper, especially stores of it, away from any potential ignition sources and be sure to keep the boxes of it in a safe place away from corridors or anywhere where they can become an obstruction.

Keeping doorways and corridors clear of obstructions is essential. Even in non-emergency conditions, boxes and similar objects clogging up corridors are injury hazards, in a fire with smoke obscuring vision, these obstructions could become a very serious problem for escaping staff. Blocking doorways, especially fire doors, is very dangerous as this could well be sealing the only available escape route.

By just paying attention to some simple factors and attending regular fire safety courses, an office, its contents and its staff should be able to be prevent a fire and kept safe if one does occur.

Thomas Pretty is a fire safety officer with many years of experience teaching fire safety to all types of businesses. Find out more about fire safety at http://www.ukfiretraining.com/

[tags]fire safety[/tags]

In 2008, the Corporate Manslaughter Act was amended to allow company directors to be prosecuted in the case of fatal road accidents as well as their drivers if the vehicle involved was being used for business purposes. This has given police the powers to seize computers and company records as they now treat every road death as ‘unlawful killing’.

Properly implemented fleet management will go towards showing that the due diligence and duty of care has been undertaken by the company. A comprehensive Driving at Work policy must be in place and every employee which drives for the company must sign it. Provided it can be shown that the company directors have taken all necessary steps, prosecution can hopefully be avoided.

A fleet management solution will usually comprise of an onboard computer which gathers data about the vehicle. This device will either store the information to be downloaded when the vehicle returns to base, or will send the data ‘live’ via wireless transfer. Ranging from simple GPS tracking devices to fully-featured units which will collect data about the vehicles mechanical well-being, fuel consumption and even driver-profiling options, there is an option for every size and requirement of business. Having a more fully-featured fleet management solution in place can sometimes go further towards proving duty of care in the event of an accident, but any of the available ranges can help with proving the company’s diligence.

Fleet management is not just something which is used to cover the company directors in the event of an accident. Rather, it is a valuable way of protecting the investments made in both the vehicles and the people employed to drive them. Vehicle tracking can prove a very useful tool if the vehicle is stolen, for example, and the mechanical diagnostics features of some ranges can be an important factor in saving money. It’s often far cheaper to repair a failing vehicle part before it fully breaks for example, not to mention the time saved by not having the vehicle breakdown.

There are a wide range of fleet management devices available on the market, and many suppliers are able to provide a solution tailored to the needs of most companies. From helping to show the company has been conscientious in their duty of care in the unfortunate event of an accident, to ensuring the safety and security of their vehicles and employees, these devices are becoming essential additions to any fleet of vehicles.

Thomas Pretty is a business owner with many years of experience managing fleets of vehicles. Find out more about fleet management at http://www.simplytrak.co.uk/

[tags]Fleet management[/tags]

It’s now a legal requirement for all workplaces to provide easily accessible drinking water and there is a lot of choice in the office water cooler market. This article will hopefully provide a quick guide to the different features.

The main decision to make when choosing an office water cooler is whether your company wants one which is connected to the building’s plumbing or a bottled water cooler. While plumbed in units tend to be more expensive initially, they do not require regular purchases of extra bottles, working out cheaper over time. Having a plumbed in water unit also means there is no need to dispose of used bottles which can become a problem. Empty 19-litre containers clogging up the office can well become hazardous.

A bottled office water cooler does offer several advantages over plumbed in units, however: aside from the lower initial outlay, there is no need to pay for a professional to come and connect it to the plumbing, which can be both costly and inconvenient. A bottled unit can be moved easily, where a plumbed in cooler is connected to the water pipes, making it static. This mobility is definitely an advantage when it comes to refurbishing the office.

The plumbed in office water cooler range tends to have more features and offers more ways for employees to take their water. While ambient and chilled are default selections on most models of both bottled and plumbed in units, several high-end plumbed in coolers offer other options such as hot and sparkling, allowing the user to really decide how they would like their water.

A bottled water unit, while tending to be more expensive over time due to having to keep ordering more water, does offer a degree of flexibility which the plumbed in ranges cannot. Aside from mobility, it is easy to source cheap suppliers of water via the internet, making what could seem a prohibitive yearly cost much more palatable. It also doesn’t go on your building’s mains water bill.

Whichever kind of office water cooler your company chooses; most suppliers will offer a wide range with many different features and designs to suit your office. Some companies will even offer branding options, allowing your cooler to really look like part of the office. While easily accessible drinking water is a legal requirement for your employees it needn’t be an expensive purchase. Many suppliers can provide the right cooler for far less than you might expect, making the purchase good for both your business and your staff.

Thomas Pretty is an office equipment provider with many years of experience in supplying office products. Find out more about office water coolers at http://www.pure-watercoolers.co.uk/

[tags]Office water cooler[/tags]

The economy is slowing. Money is tight, jobs are scarce, and people are scared. There has never been a better time to save your money, and protect it to leave a legacy for your children. But there are many different threats to your savings, both now and in the future. This article will help you sidestep those issues. You’ll find hints for preventing breach of contract, hiring an overtime lawyer to protect your earnings, and you’ll learn how to streamline probate in Texas to protect your legacy and help your family in the future.

Protecting Yourself From Breach Of Contract

Breach of contract happens when you agree to exchange something of value with someone else, and your exchange partner fails to uphold his or her end of the bargain. You may end up losing what you intended to trade, or you may just end up losing out on the item you had wanted. Either way, your contract has been breached. Your trading partner failed to trade as promised, and now you are suffering for it.

Under the law, breach of contract can be tried in a court. There are many ways to do it, some of which involve coming before a judge, while others involve out of court mediation to resolve the breach of contract dispute with minimal arguing. A judge figure is chosen for knowledge and wisdom about the legal issues, and then parties are able to discuss the situation in front of a non-government figure who can provide suggestions. Some people settle breach of contract disputes in a non-binding format, keeping a moderator who suggests but has no power to compel the participants. There are also more active moderators who have the power to make an ultimate ruling. While not a judge, these people act as one. It rests on their shoulders to decide a punishment, which both sides have already agreed to accept.

The best way to guard against breach of contract is to ensure that your contracts are always well written. Have a lawyer construct them for you; he or she will usually stand behind his or her work if there is ever a case that goes to trial involving your contract. It is more than worth it even if the contract is never challenged.

Do You Need An Overtime Lawyer?

If you work overtime and haven’t been paid appropriately, you need to see an overtime lawyer. These men and women specialize in ensuring you get your full paycheck every week, a paycheck that represents the hours you’ve worked. An overtime lawyer will become your champion, fighting to get you the pay that you deserve. In an economy like this, a lawyer like that is vital. Every penny counts, and if you’ve been cheated out of earned income on a regular basis, then the money can count quite a bit.

It is very difficult to do anything about overtime pay on your own. Your best bet is to hire an overtime lawyer to take on your case if you suspect that you have been working overtime without getting paid.

Probate In Texas

Probate can be incredibly complicated. Probate in Texas was designed simply: it was a time when the will was available and the wishes of the deceased were expressed and followed. But today, you need to safeguard your valuables and legacy by ensuring your probate in Texas goes as smoothly as possible.

To facilitate your probate in Texas, be certain to write your will with the aid of a lawyer. Your will ultimately ends up written faster, and every piece of it will be written with lawyerly precision. You will also know exactly what is to be delegated where, and how you may be setting up any trusts. When your will goes to probate in Texas, there will be no surprises.

The Final Piece

As you read this article, remember that the best step you can take to protect yourself is to find a qualified lawyer. There are legal professionals able to help you every step of the way, providing individualized guidance that can’t come from an article. These tips are only suggestions, and all of them require a lawyer’s opinion to become really effective.

Christine O’Kelly is an author for Pursley Law Firm PLLC, a leading law firm providing breach of contract and overtime lawyers in Texas. The firm also offers professional assistance with probate in Texas.

[tags]Breach of contract,Probate in Texas,Overtime Lawyer[/tags]

When you read the words ‘breach of contract,’ the first thing that comes to mind is probably the kind of contract that you sign when you buy a car, or when you agree to deliver a certain quantity of product. But the definition of contract is much broader than that. In fact, whenever you agree to anything, you are effectively creating a contract, even if you don’t sign a document.

Admittedly, such unsigned contracts are difficult to enforce because they are near impossible to prove in a court of law. But there are many other signed contracts that result in disputes that few people ever realize are based in contract law. This article will examine two of the most prominent examples: probate in Texas and overtime.

Probate In Texas

Probate is the process by which a will is distributed to the heirs. It is a very complicated process, guided entirely by the wishes of the deceased. However, those wishes may not have been written up clearly. All too often, a will is muddled, vague, or just plain poorly written.

Why does the writing matter so much? Because probate in Texas is essentially following a contract laid down between the state and the author of the will. They are agreeing to divide the assets of the deceased in a certain way upon death, and in return the deceased will pay taxes to the state as part of the process of probate in Texas. It is a contract, between the author and the state.

Probate is also a contract between the writer and the executor. The executor agrees to abide by the will, and thus to abide by the wishes of the writer. However, if the will is not clearly written, then the executor cannot properly complete the task he or she has taken on. When probate in Texas involves a poorly written will, the facts tend to be difficult and arguments are much more likely to arise. This is true of probate in Texas, but it also applies to probate anywhere within the U.S.

Breach of Contract For Overtime Lawyers

Another contract arises when an employer and an employee start a working relationship. The worker agrees to work for the employer, and in exchange the employer agrees to certain terms of payment. Very often, these terms include payment for overtime.

When the employer commits a breach of contract and doesn’t pay for services rendered by the worker, the employee can go to an overtime lawyer for assistance. These lawyers specify in labor breach of contract, focusing on the rights of workers to overtime pay.

Overtime lawyers are frequently able to have success in court because pay statements are often written down and signed. There is usually an official process that the employee must go through before beginning work at a new job, and a good overtime lawyer takes advantage of that to prove that overtime pay is owed.

Breach of Contract In Other Places

Probate in Texas and overtime law aren’t the only types of law that rely on contracts. In a sense, they are the basis of all our laws: two people agree to do (or not do) a certain thing, and in exchange our society is built.

Christine O’Kelly is an author for Pursley Law Firm PLLC, a leading law firm providing breach of contract and overtime lawyer representation in Texas. The firm also offers professional assistance with probate in Texas.

[tags]Breach of contract,Probate in Texas,Overtime Lawyer[/tags]

Whatever level of risk management, change management or similar process your company has in place, sometimes people like to obtain working definitions without having to ask the expert who enjoys using hard to understand acronyms.

Difficulty to understand the industry vernacular may be part of why a recent study showed 89% of executives said they wanted to build an ERM process into their organizations; yet only 11% of their companies had completed the implementation.

Five primary aspects follow:

1. What is Enterprise Risk Management?

The following definition is from COSO’s Enterprise Risk Management - An Integrated Approach, which is a reference work for ERM.

Enterprise risk management is a process, affected by an entity’s board of directors, management, and other personnel, which is applied in strategy setting and across the enterprise. Its goal is to provide reasonable assurance regarding the achievement of organizational objectives by identifying events that may affect the entity and managing risk to be within the entity’s risk appetite.

* COSO means Committee of Sponsoring Organization of the Treadway Commission. The book was authored by PricewaterhouseCoopers.

2. What is risk appetite?

Whether explicit or implicit, risk appetite is manifested in the strategic risk management philosophy of the organization. For example, a startup has a greater risk appetite because it seeks large returns. Innovation is encouraged and with innovation comes the risk of failure. On the other hand, the risk appetite of a mature company may be much lower because stakeholders expect smaller returns on their capital in exchange for more stability.

3. Why is ERM a program rather than a project?

A project has a discrete beginning and end. ERM is a set of on-going activities such as the tracking of the cost and quality of the program as well as improvement in processes and methods. A program is embedded in an organization that brings organizational focus and encourages everyone to see ERM as part of their job.

4. What are the benefits of ERM?

Enterprise Risk Management enables the organization to examine alternative strategies and objectives with the associated risks in mind. An ERM program evaluates risks up front and chooses among risk management alternatives thereby improving the organizations response to risk.

By looking at potential risk events, management has an increased ability to recognize and act upon opportunities. In-depth knowledge associated with the risks facing an organization allows it to better understand its capital needs and improve the allocation of capital.

5. How does ERM help an organization fulfill its mission?

An organization’s mission eventually translates into a choice of strategies that then breakdown into specific objectives. However selected strategies and objectives do not exist in a vacuum because every effort to realize an objective involves risk. The more aggressive the choices, the greater the risk. ERM helps an organization achieve its mission by allowing management to choose strategies and objectives that reflect its risk appetite.

Unearth the hidden risks that could topple your company, so you can use Best Practices for Long-Term Business Health to increase the likelihood of reaching your long term personal and personal goals.

Again, the good news is that if you already have any of these systems in place (strategic planning, quarterly budgeting, risk management, operations review, entire enterprise risk management, risk assessment, process improvement, performance management, or contingency planning), you have foundation blocks to improve your risk management capabilities by using some of the steps above.

Bottom line? What is the cost of what you do not know in your business? For more details, the book, Stick Out Your Balance Sheet and Cough: Best Practices for Long-Term Business Health is available at Amazon or visit .
From Gary W Patterson Copyright 2009

Did you know that a fire accident has the most number of victims as compared to other types of accidents? Yes, it is astonishing yet true. A small fire not detected early could spread gradually and destroy your workplace and take the lives of your employees and you.

My aim is not to scare you. My aim is to tell you that you can prevent these from happening in your workplace.

Here are some brief guidelines that you could adopt to make your workplace a safe place to work in.

All unwanted items should be cleared from your area. Accumulating unwanted items could become a source of fire break-out. Moreover, you should ensure that the pathway and other passageways leading to the emergency or fire exits should be clear of obstructions at all times.

You should also ensure that fire detectors are in working order and properly maintained. If the fire detectors had been previously painted or manifested with other ceiling accessories, it should be removed immediately as it may prevent your fire detector from being activated during an emergency.

All flammable items should be stored away from the offices in a well-ventilated area. This is to ensure that in the event of a fire break-out, the offices and people in it are not adversely affected. A ventilation fan is necessary and should be in working order to fulfil its purpose.

It is vital that all of your employees are given a torch light complete with batteries for use during a power failure. A candle should never be used as the heat emitted may lead to a fire break-out.

A ‘No Smoking’ sign should be put up at areas near flammable items to warn your employees beforehand. You should also ensure that they observe the sign at the designations.

A fire could break-out due to a short circuit. To prevent a short circuit, you should make certain that all electrical points are switched off when not in use. One important point to take note is that we should never have multiple plugs in one socket which could trigger a break-out as well.

It is important to always engage a professional for any services that you require. This will ensure that the personnel know his work and would deliver quality service. An unauthorized person may just provide you with a sloppy work.

Taking a small step at a time would ensure that your workplace is safe in no time. Rope in a few colleagues and it would be done much faster.

Information on fire fighting equipment and fire extinguishers for home or commercial use

[tags]fire safety,fire safety equipment,fire safety legislation,fire extinguishers[/tags]