February 24, 2020
In This Issue
Recent Events:
DCAMM Update with Commissioner Carol Gladstone
Upcoming Events:
Upcoming Events:
MemberUpdate
Thank you to our 2020 Premium Sponsors
2020 ASM Scholarships Applications now open
Membership Renewal
Welcome New Members!
Acadia Insurance Program Update
Legislative Update
Legislative Update
Legal Update
Massachusetts New Hands-Free Law
How Prudent Risk Management Can Extend the Workers’ Compensation Act’s Tort Immunity to Companies That Lease Their Employees
Do You Have A Legal Question? Accessing The ASM Hotline
Member News
Valerie Stone Wins BWiC Emerging Leader Award
Griffin Gives Back To Community During Holiday Season
Harvard's Adams House Gets A Make Over MARR Companies
Are You Following ASM On Social Media?
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A Special Thank You To Members Who Have
Made A Voluntary Contribution
In Addition To Dues!

Ambient Temperature Corporation
Apex Corp.
Auciello Iron Works, Inc.
Capone Iron Corp.
Chandler Architectural Products Inc.
The Cheviot Corporation
Costa Brothers Masonry, Inc.
DeBrino Caulking Assoc., Inc.
DePaoli Mosaic Company
E. Amanti and Sons Inc.
E.H. Marchant Co., Inc.
ENE Systems, Inc.
Fall River Electrical Associates, Co., Inc.
Feeley, McAnespie, Inc.
Gleeson Powers, Inc.
Homer Contracting Inc.
Hub International New England
Island International Industries New England LLC
J.C. Cannistraro, LLC
LAN-TEL Communications, Inc.
Lockheed Window Corp.
Lynnwell Associates Inc.
Manganaro Northeast, LLC
Novel Iron Works, Inc.
Pizzotti Brothers, Inc.
R &  R Window Contractors, Inc.
Royal Steam Heater Co.
Salem Glass Company
Shawnlee Construction, LLC
Southeastern Metal Fabricators, Inc.
Sunrise Erectors Inc.
United Solutions, Inc.
Watermark Electric Co. Inc.
William F. Lynch Co. Inc.
Wright Architectural Millwork Corp.
Xcel Fire Protection Inc.


 






Recent Events:
DCAMM Update with Commissioner Carol Gladstone

Commissioner Gladstone along with her staff addressed ASM members on February 12 about several topics and took questions from the group. The conversation included new information about the conversion to online bidding and other recent changes to the procurement process and changes in the works to improve change order processing and payment procedures. The DCAMM team also gave an update on the state's capital program and projects on the horizon in the coming year. There was also a discussion of the lack of sufficient labor. One key point was the expectation that DCAMM’s budget will increase to $900 million in 2021, up from $500 in 2020.

Joining the Commissioner were Deputy Commissioner Jay Mitchell, Director of Operations and Project Controls Janet Fishstein, and Director of Access & Opportunity Brian McPherson.


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Upcoming Events:
Upcoming Events:

March 18- Young Professionals night at the Celtics


ASM YP will return again this year to the Boston Garden on March 18th to watch the Celtics take on the New York Knicks. The event is currently sold out- contact ASM to get on the waiting list.


 

 

 

Upcoming OSHA 30- Hour Training

March 2-3-4-5, 2020  
7:00 am-4:00 pm
Location:  AGC MA Conference Center, Wellesley

OSHA 30-hour training is the primary method used to train workers and supervisors on hazard recognition and OSHA safety standards.  No other program offered in New England provides management safety personnel with the level of training in this four day program. Click here for registration information.

 

National Subcontractor Alliance (“NSA”) Conference

The National Subcontractor Alliance has announced details of the 2020 “SUBCON” Conference. April 22-24 in Charlotte, North Carolina, the conference will offer education and networking for subcontractors, association staff, and construction attorneys across the country. For more information contact ASM or visit NSA at https://www.nationalsubcontractors.com/

 

Please mark your calendar for two of
ASM’s major events this year:

 

25th Annual ASM Golf Tournament- July 13th, The International Golf Course in Bolton. Brochures will be mailed out at the end of February. Brochures will be mailed next week so sign up early to reserve your spot.

ASM’s “GC Showcase”- October 5th- Newton Marriott Hotel. Mark your calendar. Don’t miss the largest networking gathering of General Contractors and Subcontractors of the year.


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MemberUpdate
Thank you to our 2020 Premium Sponsors

 





 

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2020 ASM Scholarships Applications now open

Applications are now being accepted for eight ASM 2020 Scholarships totaling $10,000. Four $2,000 scholarships will be awarded to ASM Member employees and immediate family members (spouse/child), who are enrolling in an accredited college or university. In addition, 2- year community college students are eligible to apply. Also, four $500 trade school scholarships will be awarded. Applications are due by April 1, 2020.


Application for Collages Students

Application for Trade School Students


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Membership Renewal

It is your commitment to ASM that allows us to be so if you haven’t renewed for 2020 you have probably heard from us. You can renew membership at http://www.associatedsubs.com using a credit card or by calling the office. Installment payments are available, just call the office for details.

Special thanks to all those companies who paid extra dues over and above the regular dues amount. This support allows us to continue to offer the services and programs that you need for your business.

 

A Special Thank You To Members Who Have
Made A Voluntary Contribution
In Addition To Dues!

Ambient Temperature Corporation
Apex Corp.
Auciello Iron Works, Inc.
Capone Iron Corp.
Chandler Architectural Products Inc.
The Cheviot Corporation
Costa Brothers Masonry, Inc.
DeBrino Caulking Assoc., Inc.
DePaoli Mosaic Company
E. Amanti and Sons Inc.
E.H. Marchant Co., Inc.
ENE Systems, Inc.
Fall River Electrical Associates, Co., Inc.
Feeley, McAnespie, Inc.
Gleeson Powers, Inc.
Homer Contracting Inc.
Hub International New England
Island International Industries New England LLC
J.C. Cannistraro, LLC
LAN-TEL Communications, Inc.
Lockheed Window Corp.
Lynnwell Associates Inc.
Manganaro Northeast, LLC
Novel Iron Works, Inc.
Pizzotti Brothers, Inc.
R &  R Window Contractors, Inc.
Royal Steam Heater Co.
Salem Glass Company
Shawnlee Construction, LLC
Southeastern Metal Fabricators, Inc.
Sunrise Erectors Inc.
United Solutions, Inc.
Watermark Electric Co. Inc.
William F. Lynch Co. Inc.
Wright Architectural Millwork Corp.
Xcel Fire Protection Inc.

 

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Welcome New Members!

Chubb Surety- Chubb is the world’s largest publicly traded property and casualty insurance company and the largest commercial insurer in the United States. With operations in 54 countries and territories, they are a major personal lines writer, as well as a leading middle market, small commercial and large industrial commercial insurer, providing a wide range of traditional and specialty coverages.

Laura Leigh Statue
Chubb Surety
150 Allen Rd. Suite 203
Basking Ridge, New Jersey  07920
Email:lstatue@chubb.com
Phone: (908) 605-3151 


Westfield Insurance-
Westfield provides personal insurance in 10 states, commercial insurance in 21 states and surety products in 50 states through a network of more than a thousand leading independent agencies. Our company is T-Listed and A.M. Best rated, “A”.   We have an in-house professional Surety Claims team for loss mitigation and contract assistance. We’re a full-service surety provider with competitive rates.

Richard Lund
Westfield Insurance
75 Second Ave, Suite 605
Needham, Massachusetts  02494
Email: richardlund@westfieldgrp.com
Phone: (617) 454-1081 

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Acadia Insurance Program Update

Acadia Insurance Announces Associated Subcontractors of Massachusetts Dividend Valuations* for 2016, 2017 and 2018 Plan Years. Acadia Insurance is pleased to support the Associated Subcontractors of Massachusetts (ASM) and its members by offering the Central New England Subcontractors Safety Group Program, an all lines insurance program which provides participating members the opportunity to earn dividends based on group and individual performance. The Program is endorsed by ASM and provides three separate valuations for each plan year. The most recent valuations completed December 31, 2019, resulted in qualifying participants earning over $745,000 in dividends for the 2016, 2017 and 2018 Plan Years, with details noted below.  

2016 Plan Year – Third and Final of Three Adjustments. The third and final of three adjustments for the 2016 Plan Year qualifies the Group for a $1,287,683 Dividend Fund.  Since $1,001,531 in dividend returns had been previously distributed as a result of the first two valuations, an additional $286,152 will be distributed to qualifying members.  Individual insured letters and checks will be delivered to their respective agents soon.  This is the third and final adjustment for the 2016 Plan Year with results valued as of December 31, 2019. 

2017 Plan Year – Second of Three Adjustments. The second of three adjustments for the 2017 Plan Year qualifies the group for a $537,596 Dividend Fund.  Since $336,595 in dividend returns had been previously distributed as a result of the first valuation last year, an additional $201,001 will be distributed to qualifying members.  Individual insured letters and checks will be delivered to the respective Acadia agents soon.  This is the second of three  adjustments for the 2017 Plan Year with results valued as of December 31, 2019.  The third and final adjustment for this Plan Year will be calculated based on results valued as of December 31, 2020.   

2018 Plan Year – First of Three Adjustments. The first of three adjustments for the 2018 Plan Year qualifies the group for a $258,208 Dividend Fund based on the group loss ratio.  Individual insured letters and checks will be delivered to the respective Acadia agents soon.  The second of three adjustments for this Plan Year will be calculated based on results valued as of December 31, 2020, and the third/final valuation as of December 31, 2021. 

The ASM Dividend Program has returned $7.9 million in all lines dividend returns to qualifying members since the Program’s inception in 2003. Acadia appreciates your ongoing support of the ASM Program and looks forward to continued growth and benefits to all members. Should you have any questions, please contact: John Varitimos, Director Marketing, at 508-263-2505 or john.varitimos@acadia-ins.com.      

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Legislative Update
Legislative Update

February 5th was an important date in this legislative cycle. It marked the date by which legislative committees must act on bills- either favorable or unfavorably. In come cases Committees will delay the decision by seeking an extension. Here is an update on a few issues we are tracking.

Indemnity Reform- We are happy to report that ASM’s Indemnity bill (H.1624) received a favorable recommendation from the Joint Committee on Labor and Workforce Development. This is a result of our testimony at the public hearing and follow up work with the Committee to show how this bill is seeking to correct an issue in the industry by leveling the playing field for subcontractors.

Transportation Bond Bill- Governor Baker and his Administration filed H.4002 (now H.4397) in June of 2019 and the bill is now before the House Committee on Bonding, Capital Expenditures and State Assets with a public hearing scheduled for February 25th. The bill calls for $18 billion in spending, including $5.6 billion for federal highway system projects, $3.4 billion for transit modernization, $2.7 billion for road and bridge projects,  $825 million for South Coast Rail improvements, $595 million for the Green Line extension, $475 million for transportation planning, $400 million for rail improvements, $400 million for improvements to South Station, $350 million for transportation infrastructure, $330 million for transportation facilities, $300 million for rail improvements and more. The bill also calls for the use of “job order contracts’ for public works of $500,000 or less.

Apprenticeship Programs Legislation- The Joint Committee on Labor and Workforce Development recommended two bills favorably (H.1620, S.1044) that would make apprentices mandatory on public construction projects exceeding $7.5 million. The bills, which ASM continues to monitor, would require a commitment to have apprentices on the site within 90 days of commencement of labor.

In related news, The Baker Administration recently launched the “Career Technical Initiative,” which aimed to provide training to an additional 20,000 skilled trade workers over the next four years to help meet of needs of construction companies. The plan is to work with municipalities, employers, and school districts to provide more training opportunities by increased access to vocational schools. Reports in the media last year found a shortage of seats at vocational schools, many with wait lists. To fund the initiative, the Administration has proposed $15 million in its 2021 fiscal budget which still needs to be debated in the House and Senate later this spring and summer.

Are you interested in legislation and politics? If so, we would love to have you join our Legislative Committee. The Committee meets periodically to review and discuss pressing legislative and regulatory matters and how they would impact ASM and the members. Contact ASM if you would like to volunteer!

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Legal Update
Massachusetts New Hands-Free Law

By: The Sullivan Group

Did you know that on February 23, 2020 the Massachusetts new Hands-Free Driving Law goes into effect?  This applies to both cell phones and hand held GPS systems.

If you are pulled over for violating this law:

  • 1st offense – $100 fine.
  • 2nd offense – $250 fine, plus mandatory completion of a distracted driving educational program.
  • 3rd and subsequent offenses – $500 fine, plus insurance surcharge and mandatory completion of distracted driving educational program.

Phones and GPS Systems must be mounted to the windshield, dashboard, or center console in a manner that does not impede driving.  You are only allowed to touch the device to activate hands-free mode.

If you are a driver under the age of 18 it is illegal to operate any electronic device at all, even in hands-free mode.

Calling 911 is allowed, but you are encouraged to pull over to a safe place before doing so, if possible.

For more information, please visit Mass.Gov/Handsfree.


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How Prudent Risk Management Can Extend the Workers’ Compensation Act’s Tort Immunity to Companies That Lease Their Employees

By: J. Nathan Cole, Esq.
Kenney & Sams, P.C.
Boston, MA

With the economy continuing to hum along, and companies facing backlogs due to a tight labor pool, more Massachusetts employers are looking to lease employees to adequately staff projects, jobsites, and accounts – and substitute their own traditional workforce. Companies see numerous benefits to such leasing arrangements, including cost-saving measures related to personnel functions; better health, pension, and other employee benefits; and administrative functions that the company may be unable to perform in-house.

When a company leases all or part of its work force from a professional employer organization (“PEO”) or “employee leasing company”, and one of the “leased employees” is injured on the job, does the Workers’ Compensation Act, Massachusetts G.L. c. 152 (the “WCA”), provide the defendant company immunity from tort liability? Alternatively, how can a lessee company shield itself from liability in these situations?

Employee lessees, also called “client companies”, must overcome several hurdles to successfully claim immunity under the WCA. Massachusetts courts have held that an employer is immune from tort liability under the WCA only if it (a) has a direct employment relationship with the worker and (b) is “an insured person liable for the payment of the employee’s workers’ compensation.”

As discussed below, if you are using leased employees, it is critical that you consult with counsel to review your contracts with PEOs and understand the factors courts consider when evaluating the applicability of the WCA’s immunity protection for employers. 

Introduction

The concept of immunity for insured employers is straightforward in the context of a traditional employer-employee relationship. The WCA requires that every employer purchase workers' compensation insurance, unless the employer is qualified to be self-insured or is a member of a self-insurance group. G.L. c. 152, § 25A. The WCA provides the exclusive remedy for an employee’s tort claims if an employer can show that (1) the plaintiff was its employee; (2) her condition was a “personal injury” as defined by the WCA; and (3) the injury arose “out of and in the course of . . . employment.”  

The purpose of this remedial mechanism is to “provide a benefit to the insured employer by releasing it from liability in return for imposing a statutory liability without regard to fault.” Gurry v. Cumberland Farms, Inc., 406 Mass. 615, 621 (1990). An employer is required to report an employee’s injury or claim for compensation, and the insurer is required to respond by paying or denying that claim. G.L. c. 152 § 7.

Liability for worker injuries is more complicated, however, when a company leases employees from a PEO. It can result in a “double jeopardy” situation, in which leased employees can obtain both workers’ compensation from an employer-paid workers’ compensation policy and retain the right to bring a tort claim against the same employer.

In the event a leased worker is injured, what factors control whether the employer is immune from any subsequent claim brought by the injured worker? 

The Two-Pronged Test For Evaluating WCA Immunity

Courts apply a two-pronged test to determine whether the WCA provides an employer immunity from its employee’s tort claims. The first prong looks to several factors to establish whether a “direct employment relationship” exists. The second prong evaluates whether the employer is an “insured person liable for the payment of compensation.” See Fleming v. Shaheen Bros., Inc., 71 Mass.App.Ct. 223, 228 (2008). 

     a.     The “Direct Employment Relationship” Test

Massachusetts courts consider several factors when determining whether a defendant employer and leased employee have a direct employment relationship. While none of the factors are dispositive, the more undisputed factors that can be established, the stronger the chances of succeeding on asking the court to dismiss the case before trial. These factors include:

  •  Did the defendant independently interview and hire the plaintiff?

  •  Does the defendant control the plaintiff’s hours, training, and schedule?

  •  Does the defendant supervise the plaintiff?

  •  Does the defendant have the exclusive right to control the plaintiff’s work?

  •  Does the defendant directly or indirectly pay the plaintiff’s wages and workers’ compensation benefits?

  •  Does the plaintiff have any dealings with the PEO, or is she interacting exclusively with the leasing company as her employer?

  • Is there an implied employment contract between the plaintiff and the PEO?

Assuming enough of the above factors are undisputed, courts will then look to the second prong.

     b.     The “Responsibility for Payment of Workers’ Compensation” Test

The second prong of the immunity test looks to whether the defendant is liable for the plaintiff’s workers’ compensation. Here, the courts look to whether the defendant is responsible for paying the workers’ compensation premium, how such payment is made, and what the contract says about such payments. Notably, “[t]he employer need not actually pay the insurance premiums to benefit from the workers’ compensation exclusivity bar.” Lang v. Edward J. Lamothe Co., 20 Mass.App.Ct. 231, 232 (1985). That is, the employer is not literally required to issue a check to the workers’ compensation insurance carrier.

What matters for purposes of meeting the second prong of the test is whether the employer specifically earmarked specific amounts to pay for the workers’ compensation premiums. “Global” payments to the PEO that include unallocated amounts to generally cover administrative costs (even where some of those costs include workers’ compensation premiums), will likely fail the second prong of the test.

Best Practices and Risk Management

Companies using leased employees should insist on contractual language with PEOs that explicitly states the client company is paying the workers’ compensation premium and expressly allocates a dollar amount to cover those premiums. Additionally, the parties’ contract (and conduct) should reflect as many of the above direct employment factors, particularly exclusive responsibility for hiring, supervising, and terminating the employee.

In reality, not all of the factors will be present—many PEOs will provide general safety training and drug screening to employees, for example. Nevertheless, best practices to maximize the chance of preserving the WCA’s employer tort immunity weigh heavily in favor of companies controlling leased employees as they would their traditional employees. If enough of the factors are there—and an employer can show it paid the workers’ compensation premium, there is a good chance the WCA’s immunity provision will bar the plaintiff’s tort claims in the event of an accident.

Nathan Cole is a Director at Kenney & Sams and has been representing small businesses, construction contractors, subcontractors, and homeowners in Massachusetts for over a decade.

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Do You Have A Legal Question? Accessing The ASM Hotline

As an employer, you face a myriad of issues including employee leave, discrimination, wage and hour rules, hiring and termination.  As a construction business, you face a host of issues through the life of a project, including bidding, contract terms, payment and more. When issues arise, it’s often hard to know what to do. There is an easy way to get quick answers to your questions – ASM’s Hotline –FREE to ASM Members.

How do I access the Hotline? Send an email to mail@associatedsubs.com. We will forward your question to the appropriate attorney who will respond by phone or email.

Who are the attorneys?

Construction questions are referred to JohnM. Curran, Esq. at the law firm of Corwin & Corwin LLP, which has served as legal counsel to ASM for more than 65 years.

Employment questions are referred to David B. Wilson, Esq. and Catherine E. Reuben,Esq., at the law firm of Hirsch Roberts Weinstein, LLP.


Insurance questions are referred to David M. O’Connor, Esq. at the law firm of O’Connor & Associates, LLC.
 


What if I already have my own lawyer?
You can still call the Hotline. It is a privilege of membership in ASM.

What kind of help can I expect?
The attorney will typically spend 5-15 minutes addressing questions that can be answered easily based on years of experience in their areas of practice. You will receive information to help you determine whether to handle the issue yourself or to seek professional help to pursue legal action. The Hotline is limited in scope and does not include research or document preparation.

To pursue legal action, do I have to use the Hotline attorney? No. You are free to use your own attorney or you may retain a hotline attorney. The choice is up to you and it is a private matter between you and the attorney.


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Member News
Valerie Stone Wins BWiC Emerging Leader Award

Valerie has been with TG Gallagher for almost 4 years and has worked in the industry for 13 years. As Safety Director, she has brought an incredible level of energy and enthusiasm to our firm. She has prioritized communication as a liaison between the office and the field.  She is vigilant about ensuring our team is aware of the constantly evolving safety trends and is leading the industry in best practices.

Valerie has accomplished a significant amount in her 4 years at TG Gallagher.  She has earned the respect of her co-workers and colleagues with her passion, determination, and commitment to her work.  In her role as Safety Director, Valerie continually inspires a field staff of over 200 men and women to work safely and efficiently.  She has become an invaluable resource and advocate for our field staff by working with them and our clients to identify and eliminate potentially hazardous situations in a way that meets the needs of all parties.

She is an Outreach Instructor for the Region 1 OSHA Training Institute. Valerie is also an active member for the AGC Safety Committee and co-chair of the Associated Subcontractors of Massachusetts Safety Roundtable. She is currently pursuing her Associate Safety Professional Certification and holds a Masters Degree in Occupational Safety and Health.

The BWiC 2020 Inspire Awards are designed to recognize and celebrate the most exemplary women in construction who demonstrate leadership, generosity, innovation, and unwavering commitment to their career, colleagues and industry.

Unsurprisingly, Valerie won the Emerging Leader Award as she is a leading innovator and demonstrates stand-out performance. Congratulations Valerie!

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Griffin Gives Back To Community During Holiday Season

Wayne J. Griffin Electric, Inc. (Griffin Electric), a leading electrical subcontractor throughout New England and the Southeast, has made donations to charities from their corporate headquarters and four regional office locations for the 2019 holiday season.  Remaining connected to the communities in which employees work and live is important to the Griffin organization, and the team makes it a priority to give back to their neighbors with varying outreach activities and contributions throughout the year.

In New England, Griffin Electric worked directly with Anton’s Cleaners to collect new and gently used winter coats for those in need.  Employee donations exceeded 250 coats in men, women, children and infant sizes.  Supporting the Holliston Pantry Shelf as in years’-past, Griffin employees adopted families through the organization’s Mitten project, providing children with holiday gifts. They also supplied paper goods and non-perishable items to the food pantry.

Griffin’s Duluth, GA and Durham, NC regions sponsored a toy drive working directly with Toys for Tots.  Each region collected well over 250 toys for children in need from their office and field teams.  In Charlotte, NC, Griffin employees also donated toys to less fortunate families, partnering with the Charlotte-Mecklenburg Police Department for their annual Explorer Christmas Project.  In Pelham, AL, Griffin Electric team members sponsored a canned food drive in conjunction with Vineyard Family Services, which provides food and support services to families in need.

Community ties continue to strengthen through the relationships formed with the charitable organizations Griffin Electric lends its support to each year.

About Wayne J. Griffin Electric, Inc.

In the electrical contracting business since 1978, Wayne J. Griffin Electric, Inc. proudly celebrated its 40th anniversary in 2018.  Headquartered in Holliston, MA, the company also has regional offices in Pelham, AL, Duluth, GA, Charlotte, NC and Raleigh-Durham, NC.  ENR (Engineering News-Record) ranked Griffin Electric 25th in its 2019 listing of the top 50 national electrical contractors and 1st in New England for electrical contractors and specialty contractors. The company employs nearly 1400 individuals.  For more information, please visit www.waynejgriffinelectric.com.

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Harvard's Adams House Gets A Make Over MARR Companies

Renovation Plans

The Adams House renewal plans have kicked off with upgrading amenities and improving accessibility in Claverly Hall (1893) while preserving its historical detail and artistry.

Extensive Shoring Required

In July 2019, MSC's Shoring Division was contracted by JDC Demo and GC Lee Kennedy to install shoring throughout the six-story Hall. Initial work consisted of the removal of 30 masonry piers and granite footings from the basement to make room for the new structural steel supports.

Marr shored each floor for the removal of wood joists to allow for the installation of a new masonry elevator shaft. The last phase of work involved shoring the load bearing masonry wall (10,000 lbs/ft) for the installation of a concrete wall and footing for a second elevator. Sister company Isaac Blair assisted with the installation of 70 pieces of wood cribbing, two layers deep, underneath needle beams that were rigged in at 600 lbs. a piece by Marr Crane & Rigging.

Tree Trunks Discovered

Additionally, Marr shored the abutting Adams Senior House with corner bracing to allow for floor removal. It was a big surprise to discover that the building had been supported for centuries by two tree trunks in the basement! Shore-X, GASS, Aluma and Mabey systems were used throughout the project.

Overall, this large-scale project has required the careful sequencing of work and coordination with other trades. Strategic planning for the transfer of material in and out of the site has been crucial due to space limitations as well. Shoring will remain in place through mid-February as the Adams House Renewal continues.

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Are You Following ASM On Social Media?

ASM is now on Instagram. Check us out, follow us, and comment on our photos!

Please also like the ASM Facebook page and follow us on Twitter and LinkedIn.

 



 

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Published by:

Associated Subcontractors of Massachusetts, Inc.
15 Court Square, Ste. 840
Boston, MA 02108

617-742-3412

 
http://www.associatedsubs.com