Valley Breeze

The North Providence Breeze 01-09-2019

The Valley Breeze Newspapers serving the Northern Rhode Island towns of Cumberland, Lincoln, Woonsocket, Smithfield, North Smithfield, Pawtucket, North Providence, Scituate, Foster, and Glocester

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4 NORTH PROVIDENCE JANUARY 9-15, 2019 | VALLEY BREEZE | NORTH PROVIDENCE EDITION operations coverage" insurance, is beyond the regular business auto insurance to cover damage while a plow is on site, instead covering the costs if someone falls and claims an injury after the work is done. John Cote, of JB Cote Construction in Lincoln and a Woonsocket native, said insurance has gotten so expen- sive that he's given up one of his largest accounts at Stop & Shop in Bellingham, Mass. "It's just too easy for people to sue you, and people have no common sense, so you're at fault," he said. This is already a tough business to be in due to the fact that one can't count on the snow even coming, said Cote, who owns three plows and a backhoe. Brian Hunter, of Hunter Insurance in Lincoln, told The Breeze that nearly all insurance companies have pulled out of selling what's called "com- pleted operations coverage" for when someone slips and falls and claims the surface wasn't treated correctly. "It can get to be really expensive," he said. Motorists are probably noticing a proliferation of signs along roadways advertising calls for plow operators, said Hunter. That's because many plow owners are realizing the cost is just too great given the risk of losing all that money and are getting out of the business. "It's a problem," Hunter said. "It's getting awful." Just as a lot of snow can bring a boom year for a plow driver, a year of little snow is more of a bust than ever, as insurance professionals say there is no refund on an expensive policy if the white stuff fails to fall. The only drivers who are "kind of off the hook" here, said Hunter, are landscapers, as their existing insur- ance policies will allow them to do private driveways. Municipal or state work is getting very expensive, said Hunter, and many companies are getting out of it. "It wasn't a big issue until all the companies started deciding they didn't want to insure all the plow operators," he said. Lisa Hunter, also of Hunter Insurance, said many insurance companies started pulling out of such coverage last year. The cheap- est listed price for the insurance is $2,500, she said, "but I haven't seen anything come through that low" in some time. Instead, she said, the cost just for the completed operations coverage came in at $15,000 for one policy, and that was just to plow one 200- unit condo complex. She was able to get it down to $8,000 by going to another market, she said, but that cost plus $5,000 for general insurance still means a total bill of $13,000 for the year. Anything related to multi- family housing is leading insurance companies to seek more, she said. Brian Hunter said Progressive is one of very few companies still insur- ing commercial vehicles used for plowing under a business auto policy. Progressive does not offer completed operations coverage, he said. This is a separate policy from another insur- ance company. Hunter said he believes the increase in slip-and-fall claims (The Breeze wasn't able to find specific data) is due to heavy advertising by attorneys who specialize in promot- ing injuries as a way of winning money. There's more of that kind of marketing, he said, making society more conscious of windfall lawsuit settlements as a whole. "People are inclined to sue more," he said, and for many insurance companies, it's simply not worth it anymore to try to keep up with the payouts. Promotional efforts reviewed by The Breeze showed attorneys highlight- ing the fact that most personal injury claims never go to trial and the fact that the average slip-and-fall accident costs $30,000 or more in hospital bills. Hunter said anyone can be sued if someone falls on their property dur- ing or after a snowstorm, whether it's a homeowner, business owner or municipality. Once you clear a drive- PLOW DRIVERS From Page One BREEZE PHOTO BY NICOLE DOTZENROD GEORGE and DEBORAH BROWN, of North Smithfield, have opened Bread Box Bakery on Mineral Spring Ave., hoping to bring something new to the neighbor- hood by offering artisanal breads and craft pastries, made by Johnson & Wales graduate Elizabeth Fink. mind," she said, laughing. "But he was so passionate. I said, 'let's do it,' and here we are." Her husband enthusiastically describes the day's menu to patrons. "We have pan breads – whole wheat, rye and cinnamon raisin, focaccia loaves, breads stuffed with olives, jalapeño, cheddar, blue cheese and walnut. Do you want a taste? You can't get this anywhere else," he asks, proudly displaying a cranberry and rosemary sourdough. The offerings at the Bread Box, which include craft pastries such as croissants, scones, cookies and brownies, turnovers and biscotti, are baked fresh each morning by Johnson & Wales University gradu- ate Elizabeth Fink, who creates and uses her own original recipes. If you're looking for a traditional Italian bakery, Bread Box is not the place for you. "You can get Italian bread or pizza strips and dough at eight different locations in a three- mile radius," George said. "In a 50-mile radius you won't find a bak- ery like this." "We wanted to bring something to the neighborhood that they haven't seen before," he said. "We're an artisanal bakery focused on crafts- manship. When you cut into a crois- sant, the middle will be perfect. If it doesn't come out perfect, the baker throws it out." In addition to artisanal breads and craft pastries, Bread Box is now serving hot, cold-brew and nitro coffee on tap, brewed by Pawtucket- based Downeast Coffee Roasters. For those looking for something that packs less of a punch, Bread Box also carries fresh milk from Wright's Dairy Farm, and products from Yacht Club Soda. George and Deborah, who live in North Smithfield and have two adult children named Christopher and Victoria, said they're looking forward to connecting with people in the community. "We want to make people happy. Bread makes people happy," said Deborah. Bread Box is open from 7 a.m. to 6 p.m. Tuesday through Friday, 8 a.m. to 4 p.m. on Saturdays and 9 a.m. to 2 p.m. on Sundays. BREAD BOX From Page 2 Call Ethan at 401-334-9555, ext. 130 Or e-mail it to got a news tip? See SNOW INSURANCE, Page 11 PERIODONTAL SCREENING An effective way to assess the health of a patient's gums involves measuring the depth of the groove (known as the "sulcus") found between the teeth and surrounding gum tissue. To do so, the dentist simply slips a periodontal probe (that is calibrated in millimeters) in the spaces below the gum tissue alongside each tooth. In cases of healthy gums, these "pockets" will measure no deeper than 1-3 millimeters. When the pockets are found to range from 3-5 millimeters, this is taken as a sign of early gum disease (or "gingivitis"). Pockets that range from 5-7 millimeters in depth are considered a sign of moderate gum disease, while those that reach 7-10 millimeters in depth indicate advanced gum disease ("periodontitis"). At DENTAL ARTS GROUP, we'll use all the tools at our disposal to help keep your mouth a healthy one. We strongly believe that one of the most important services we render our patients is a plan for pre - ventive care. Along with daily brushing and flossing, one crucial tool to your good dental health is regular professional care, which can spot the little problems before they become out of control. Located at 1136 Hartford Ave., Johnston, we have office hours by appointment. Please call us at 401-521-3661. Most insurance plans accepted. P.S. Gum disease can be effectively treated at any stage. However, if left untreated, gum disease will eventually progress to a point where tooth and bone loss will occur. Custom Finish or You Finish & Save Tables • Chairs • Entertainment Centers Stools • Hutches • Bookcases • Benches Corner Cabinets • Bedroom Sets • etc. 1661 Lonsdale Ave., Lincoln, RI 725-0360 Mon.-Wed. 10 a.m.-6 p.m.; Thu & Fri 10 a.m.- 8 p.m. Sat. 10 a.m.-6 p.m.; Sun. 12 p.m. - 5 p.m. UNFINISHED & FINISHED FREE 4 PEG COAT BOARD With any purchase $20 Off any purchase of $100 or more With ad. One per order. Does not apply to sale items. S STANLEY TREE Since 1986 • Professional High Quality Service At Reasonable Rates • Licensed Arborists • Serving RI & Nearby Mass. • Our Team Of Professionals Is Fully Equipped To Handle Your Job In A Safe Efficient Manner N. Smithfield, Office Hours: Mon.-Fri. 8 a.m.-4 p.m. Affordable Solutions for Your Tree Problems Fully Insured Free Estimates 401-765-4677 Tree Removal Pruning Cabling Brush Mowing Stump Grinding Crane Service TREE REMOVAL EXPERTS Plant Health Care Spraying/Fertilization NOTICE OF PUBLIC SALE OF PERSONAL PROPERTY Notice is hereby given that the undersigned will sell, to satisfy lien of the owner, by public internet sale via for competitive bidding to begin on January 9, 2019 at 11:00 a.m. and conclude January 23, 2019 at 4:00 p.m. via the Compass Self Storage located at 711 Branch Ave. Providence, Rhode Island 02904. The personal goods stored therein by the following may include, but are not limited to general household, furniture, boxes, clothes, and appliances. 1107 Pete Nicholas, 1149 Arica Smith, 2210 Arondae Washington, 7206 Persio Dalomba, 7216 Jon Abedon, 7229 Margaret Dunn-Escajadill, 7249-7251 Arondae Washington, 7255 Brandon Cooley, 7272 Gloria Raymond, 7279 James Gavin, 9227 Alvena Duncan, 9247 Stephen Rodriguez, 9346 Marcella Wright, 9371 Talisha Harmon Purchases must be made with cash only and paid at the time of sale. All goods are sold as is and must be removed at the time of purchase. Compass Self Storage reserves the right to refuse any bid. Sale is subject to adjournment.

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