NYC Garden Insurance correction
There is no insurance coverage under NOSC as of NOW! This applies to
all gardens with the NYC Parks emblem on their gates.
Other gardens should call immediately NOSC or Greenthumb if they have
not been presented with a bill for the premium for September 2005 to
The last insurance policy ran out at the end of it's term on August
30, 2005. NOSC decided not to extend it's blanket policy insurance
program for the gardens due to the fact that it was ruining NOSC's
Here are the reasons as I understand them:
1) The gardens that had accidents were not reporting them to NOSC who
would pass the info on to the insurance carrier. The insurance
carriers would learn about lawsuits by being served. This is a
violation of the policy as signed by NOSC. NOSC had no control over
the gardens' reporting yet was responsible for it.
2) There were several lawsuits against gardens over the past few
years that resulted in the garden policy being dropped by different
insurance carriers. NOSC did a commendable job getting new insurance
coverage but it taxed their limited budget and resources.
3) The last insurance program was significantly more expensive due to
the bad track record of the gardens over the years. According to
NOSC, many gardens never paid the full premium leaving NOSC covering
the bill. This is with the understanding that many gardens don't have
the resources to raise the amount but NOSC can't do it any longer.
4) An accident in a garden early this year (not 6BC, I don't know
who), not reported to NOSC, left the last insurance carrier with a
bad taste. Whether the insurance carrier raised the premium or
cancelled the policy, I also don't know.
It is possible that if your garden is under NYC Parks that their
insurance policy is now in effect, but guess what? They at NYC Parks
don't know for sure! And it's possible that the terms of the policy
will require many gardens will have to be inspected and impliment
changes in the physical structures of their garden to comply with the
policy. We were warned about this during the license renewal meetings
and at the NYC garden seminar held at City College back in April.
Please do your own investigations, as I said I'll be talking to Parks
this week and will post the results of the meeting.
6th Street & Avenue B Garden
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