|In This Issue|
|A Message from our President
Dear Friends and Colleagues,
We live in interesting times. Tragically, for many of
us and for our communities, this is a time of illness, loss of life, loss of
employment, isolation and fear. Our hearts go out to the many who have
been devastated by this pandemic and our gratitude goes to all those who serve
our society in the midst of a evasive foe. Our first responders and
medical providers, the grocery store workers, truckers, sanitation workers and
many other essential services that we all rely on allow most of us to maintain
the basic necessities for living.
And one of the essential industries is construction.
And while that may provide positive business activity as some projects
continue, it comes with much uncertainty and concern around safety for our
people as well questions about how to proceed on each site. With limited
scientific data, we do our best to plot a course that allows us to sleep at
night and perform on our contractual obligations. Many subs are
performing little to no work. Cash flow is a priority and layoffs and
furloughs are rampant.
ASM recognizes what a challenging time this is for
subcontractors and fortunately, there is much the Association can do to help.
Through our communications to members, member forums and webinars, and
constant communication with industry partners and government, we have sought to
provide up-to-date information and guidance as it becomes available.
Where possible, we seek to participate in creating useable safety
standards that will allow our members to plan and implement the changes required
to perform construction in this new world.
What do we need to pay attention to? Safety,
obviously. But what about elevated costs in performing our work, reduced
productivity and delays that are not due to subcontractor non-performance.
HR issues, PPP forgiveness (if you were fortunate enough to receive a
loan), ever-shifting safety protocols. The list goes on.
Does any of this sound familiar? 12-hour days, Covid19
updates, PPP updates/applications/frustration, unemployment updates,
construction shut downs, Zoom calls that satisfy or drain you, lack of PPE, too
much email and working from home with distractions all around. What do
you need from YOUR association? Tell us. We are here to help.
What are we doing right? Let us know, so we can continue what
works. How are you doing? Let us know that too - we are your voice
and we will speak loudly and clearly so that our needs are heard and addressed
by the rest of our industry and our government. You are not alone.
Please watch your email for an invite to a Member Forum next
Monday. We will be there to share our stories with each other, share best
practices and updates on any information related to the crisis, construction,
safety and PPP loans. Join us. Don’t do this alone.
|Return to Top|
Like everyone else, our events are have
moved online. ASM will continue to schedule programs to provide the information
you need to navigate the COVID-19 crisis. Please watch your email as well plan
to add new programs on a regular and ongoing basis.
ASM Safety Roundtable - Thursday, April 30th 10:00AM, Held via Zoom
The ASM Safety Roundtable will meet electronically for a
discussion on COVID-19 Best Practices and a Regulatory Update. We are hosting
this Safety Roundtable to allow for an open discussion on the latest safety
requirements from the state and municipalities and to respond to questions and
concerns that you have. For more information, visit www.associatedsubs.com
Virtual Member Open Forum- Monday May 4th 2:00PM, Held via Zoom
your fellow ASM Members online next Monday for an opportunity to talk openly
about everything related to COVID-19 and the adjustments you have needed to
make over the past month in your business. Discussion areas will include:
& municipal work shutdowns
construction costs; time extensions; delays
Safety & PPE
Act, PPP Loans, Unemployment Insurance
ahead for the re-opening of construction
Annual ASM Golf Tournament- July 13th, The International Golf Course
big event of the summer, our annual Golf Tournament, is currently on hold. Our
Golf Committee has met and is considering all options for the Golf Tournament
this year. This was scheduled to be a big year as we celebrated our 25th
anniversary tournament. The event provides great support for our Scholarship
Program as well as our association services and programs. The Golf Committee
will continue to evaluate the Tournament timing closely and will keep all ASM
“GC Showcase”-October 5th- Newton Marriott Hotel
certainly hope that big events like this will be norm again in October, so we
ask you to mark your calendar. This is the largest networking gathering of
General Contractors and Subcontractors of the year.
|Return to Top|
|2020 ASM Scholarships Applications Deadline Extended
ASM Scholarship deadline is being extended to June 1st (previously
April 1st). Anyone who is interested in applying should visit the ASM website
for additional information and the application. Each year, we proudly award up
to five $2,000 scholarships to deserving students who are part of the ASM
family. Also, four $500 trade school scholarships are awarded.
Application and More Info
|Return to Top|
|City of Boston Safety Requirements
week, the City of Boston released draft requirements
related to construction safety. They intend to finalize the requirements
on soon. In short, all construction sites permitted in
Boston will be required to have a safety plan and a signed safety affidavit.
The City intends for this policy to continue in effect after construction
re-opens in the City. Earlier last week, ASM submitted comments to the City to
clarify several aspects of their new requirements.
watch your email for more information from ASM as well as a safety plan
template that you can customize to comply with the City’s new requirement.
|Return to Top|
up to date with everything related to COVID-19 is undoubtedly a challenge. OSHA
recently put together a handy sheet with important
links all in one place. Keep visiting our Coronavirus Resource webpage for the
most current information from OSHA.
|Return to Top|
|The New ANSI Lift Standards Delayed
The New ANSI Lift Standards Delayed AGAIN until June 1, 2020 - The changes have already been
postponed twice and requires training for occupants and supervisors of aerial
equipment. For occupants, detailed training on both categories of MEWP
including a classroom and hands-on portion are required. For Supervisors, only
the classroom portion is necessary unless they will also be riding in the MEWP.
Essentially, the occupant training is enough for both Supervisors and
Occupants, but the Supervisor training alone will not cover occupants.
|Return to Top|
|Building Trades Recovery Week Postponed
ASM partner Association, the Building Trades
Employers Association, is unfortunately postponing the 2nd annual Building
Trades Recovery Week until further notice. The decision was made amid concerns
over the ban on large gatherings of people. The BTEA will keep everyone posted
on a future date.
|Return to Top|
|Welcome New Members!|
|ASM Welcomes Four New Members
ASM proudly welcomes the following new members to the
Alternative Creative Energy & HVAC Inc., Blackstone, MA
Family owned and
operated, Alternative Creative Energy & HVAC (ACE & HVAC) has
over 40 years’ experience installing heating and air conditioning equipment for
commercial clients throughout Rhode Island and Massachusetts. We are dedicated
to providing high quality workmanship and installing high efficiency equipment
to help save you money and improve the environment. Updating your heating and
air conditioning systems with efficient equipment can help lower your energy
costs and reduce harmful emissions.
Contractor Safety Academy
Founded in 2002 by two safety guys looking to help our own
crews get certified (and to pay some bills) we have broadened our training
curriculum to include many disciplines. The partners (Charlie and Jim) have
over 40 years combined experience in the trades and construction safety. We
take pride in the quality of our training and will make almost any schedule
work. Need a class on the weekend; no problem. Many of our classes run during
off hours to accommodate our client’s schedules. We have several other
trainers that work with us, including subject matter experts, safety directors,
and risk managers. Contractor Safety Academy is a resource for you and your
company. We look forward to hearing from you soon!
Harold Brothers Mechanical Contractors,
We are proud to be an open shop mechanical contractor
with a well-trained labor force, which is the essential element to the success
of Harold Brothers operation. We are strongly committed to providing our
employees with the right tools and training to do their jobs safely and
efficiently both in the office and in the field. This translates into cost
effective solutions for our customers. We have also invested heavily in our
equipment, technology and facilities. These efforts and resources, guided by
some of the best project managers, engineers, estimators and Coordinators in
the industry have made Harold Brothers a consistently reliable mechanical
contractor of choice for our customers regardless of the complexity, schedule
or location of the project.
Our mission is to combine quality and excellence in
plumbing and HVAC in the commercial, institutional, medical, pharmaceutical and
residential sectors of the industry, while maintaining a strong commitment to
safety for all of our employees and prompt, reliable, affordable services for
all of our clients. Our core values will never be compromised. Harold Brothers
Mechanical Contractors, Inc. has built its reputation based on integrity,
dependability, and strong family values. This formula is the sole reason for
Soep Painting Corporation, Lawrence,
At Soep Painting Corp you'll see the difference in our
culture and realize results that speak volumes. We are very passionate about
what we do and how we do it. Our goal is to clearly stand out as our client's
most trusted Commercial and Industrial Painting and Specialty Services
Our commitments to our clients and business partners
have forged relationships that have lasted for three generations. As a member
of project teams, Soep is committed to making every effort to exceed our clients'
needs and expectations. We strive each day to provide creative solutions to
challenges, while simultaneously delivering a quality result at a compelling
value, all while adhering to demanding schedules. Delivering day-in and day-out
on those goals has made the Soep Painting Corp a leader in the industry.
|Return to Top|
|ASM Associate Members are your Trusted Partners
Are you looking for services from a trusted partner?
Consider contacting an ASM Associate Member. Our Associate Members include
suppliers, law firms, insurance companies, financial advisors and more.
|Return to Top|
Since the middle of March, the
Legislature has dealt almost exclusively with COVID-19 related matters. ASM
recently submitted this letter
House and Senate leaders outlining some of the major concerns that
subcontractors are facing. Both the House and Senate have established
Coronavirus Working Groups. The Working Groups are meant to take a lead roll in
all aspects of the Legislature’s response to the COVID-19 Crisis.
Looking into the future, one of the
challenges facing construction is how budgetary constraints will impact
projects. For example, it was reported two weeks ago that several
public school projects around Massachusetts have delayed construction amid the
coronavirus pandemic, and the emergency's full financial impact on the state
agency that helps funds most of the work remains unclear. Massachusetts School
Building Authority officials said that the organization will face some budget
strain because of the widespread economic downturn. However, the full scope of
the economic impact COVID-19 will have on construction is unknown.
Dodge Data & Analytics released its
2020 Dodge Construction Outlook, reporting that
U.S. construction starts will slip to $776 billion in 2020, a decline
of 4% from 2019's estimated level of activity. After increasing 3% in
2018, construction starts dipped an estimated 1% in 2019 and will
fall 4% in 2020 according to Dodge.
Because the Legislature is focused
on addressing the COVID-19 crisis, a number of bills that ASM is tracking are
in a temporary holding pattern. This includes our own indemnity reform; wage
theft legislation, a bill extending prompt pay to public work; MWBE bills; the
large transportation bond bill, an OSHA violation notice legislation; a bill
changing apprenticeship requirements for public work; and much more. At this
point it is unknown when the legislature will turn their attention to these and
many other bills. That could happen later this spring or into the summer, but
we remain focused and ready to engage on all these important issues.
Here is some additional detail on a
few of the bills we are tracking.
Indemnity Reform- 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. This bill was at the center of discussions on Beacon Hill
prior to the COVID-19 crisis but is now on hold like so many other bills.
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.
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!
|Return to Top|
|Contractual Considerations for Subcontractors
By: Corwin & Corwin LLP
In light of the Governor’s order, many if not most, construction projects are proceeding. The Governor is expected to release additional clarifications and guidance for this shortly. Meanwhile, here are some general tips to keep in mind as you deal with this unprecedented situation.
- Practice all currently applicable requirements and recommendations for safety. Require all your personnel to follow them and insist that the General Contractor/Construction Manager requires all other subs to follow them as well. This includes limitations on the number of people in an area, appropriate PPE, ventilation, cleaning and wiping, etc. Consider rescheduling and resequencing the work to allow for safer activities even if less productive.
- Review each subcontract on all on-going projects.
- Determine if your subcontract has a provision for delays and extension of time. This may include a force majeure (“Act of God”) clause. Ascertain if it excuses your inability to properly or timely perform and/or if it permits you an extension of time and/or additional costs as a result of a delay beyond your control. It likely will not refer to COVID-19, but it may be deemed later to include that. If so, comply with all notice requirements to preserve your rights.
- Familiarize yourself with all notice provisions in your subcontract, especially those related to obtaining schedule extensions and/or additional costs. Comply with all notice requirements, including the timing and manner of notice, if your schedule or costs have been or are expected to be impacted as a result of work that has been suspended or slowed by COVID-19.
- Know that failure to provide proper and timely notice may waive your otherwise legitimate claims and/or defenses. Even if you’re certain your request or claim will be denied, you must still submit it to even have a chance for recovering relief later.
- Document your costs and schedule impacts as required by your subcontract.
- Ascertain what, if any, rights the prime contractor has to suspend or terminate work and what rights you may have to recover payment for work performed and to be performed.
- Understand the general contractor’s payment obligations to you under your subcontract and, where applicable, the Massachusetts Prompt Pay and Retainage Act, in order to ensure that you receive all payments due and owing. If you are not paid in accordance with your subcontract consider your potential options, including, but not limited to, filing a mechanic’s lien (private projects) or a payment bond claim (public project). And remember, there are strict timing requirements for these. So if your work on a project is suspended, you should file within the applicable deadlines since you can’t be certain your work will re-commence later.
- Contact your insurance professional to determine if you have any coverage relating to business interruptions or project shut-downs.
- Speak with your lawyer to determine a specific course of action on each project and to fully understand your legal rights.
|Return to Top|
|Business Interruption Insurance & COVID-19
As economic losses resulting from the impact of
COVID-19 continue to mount, many business owners are inquiring about the
availability of Business Interruption insurance as it pertains to
COVID-19-related shutdowns. The purpose of this article is to highlight
the key considerations involved in answering this question.
How is Business Interruption Coverage
Business Interruption (Business Income) coverage is
intended to cover a policyholder’s actual loss of income due to a suspension of
operations that results from “direct physical loss of or damage to property at the
described premises,” with the direct physical loss being caused by a “covered
peril.” In other words, the coverage as generally written is intended to
cover lost income that results from the loss of or damage to property (for
example, the insured’s facility)by a “covered peril” – i.e. fire, water damage,
or some other covered cause of loss. Obviously, there are valid questions
as to whether a shutdown resulting from the COVID-19 pandemic and associated
government order would be interpreted by insurance companies to meet these
criteria to trigger coverage. Further, many Property policies include
express exclusionary language surrounding “loss due to virus or bacteria” –
which is basically intended to unambiguously rule out the possibility that a
virus could be considered a “covered peril.” In short, many/most
insurance companies are taking the position that COVID-19-related shutdowns do
not meet the necessary criteria to trigger Business Interruption coverage.
This is a complex topic – a good article that dives
further into the detailed coverage implications involving Business Interruption
insurance can be found at the following links:
Please note, the intention of this commentary is not to
discourage business owners from submitting claims of this nature, but rather to
soberly highlight the challenges that exist when attempting to file a claim of
Obviously, businesses across many industries are being
severely impacted by COVID-19, so as insurers are signaling that Business
Interruption coverage is not (or may not be) available for the reasons outlined
above, some policyholders and their attorneys are exploring the option of
bringing lawsuits arguing that coverage should apply. The nature of these
suits differ from situation to situation, however so far most seem to argue
that the threshold of “direct physical loss” is met, or does not apply to
business interruptions due to the intervention of a civil authority. How
these efforts will pan out remains to be seen, and the result of litigation
surrounding this topic will likely inform other carriers’ responses.
Some detailed articles highlighting specific legal actions can be found
at the following links:
In response to the exclusionary language mentioned in
the text and articles above that may preclude Business Interruption insurance
from responding to these claims related to COVID-19, many state legislatures
have introduced proposed legislation that would literally force the insurers to
afford coverage for these coronavirus-related Business Interruption claims,
regardless of any exclusionary language. As of this post being published,
there were bills of this nature being considered in New Jersey, Ohio, New York
and Massachusetts. From the Massachusetts bill, which can be found at the
following link (https://malegislature.gov/Bills/191/SD2888):
SECTION 1. (a) Notwithstanding the provisions of
any other law, rule or regulation to the contrary, every policy of insurance
insuring against loss or damage to property, notwithstanding the terms of such
policy (including any endorsement thereto or exclusions to coverage included
therewith) which includes, as of the effective date of this act, the loss of
use and occupancy and business interruption in force in the commonwealth, shall
be construed to include among the covered perils under such policy coverage for
business interruption directly or indirectly resulting from the global pandemic
known as COVID-19, including all mutated forms of the COVID-19 virus. Moreover,
no insurer in the commonwealth may deny a claim for the loss of use and
occupancy and business interruption on account of (i) COVID-19 being a virus
(even if the relevant insurance policy excludes losses resulting from viruses);
or (ii) there being no physical damage to the property of the insured or to any
other relevant property.
(b) Subject to (i) any monetary limits of the
policy and (ii) any maximum length of time set forth in the policy for such
business interruption coverage, the coverage required by this section shall
cover the insured for any loss of business or business interruption until such
time as the emergency declaration issued by the governor, dated March 10, 2020,
and designated as executive order number 591, is rescinded by the governor.
(c) This act shall apply only to policies issued to
insureds with 150 or fewer full-time-equivalent employees in the commonwealth,
and which are in force on the effective date of this act, or that become
effective prior to the date on which executive order number 591 is rescinded by
Per the Massachusetts bill, the insurers would then
have the ability to recover from a pool of assessed funds, paid for by
assessments made by the insurance commissioner against these same insurance
companies. While obviously legislation like this is well intentioned,
there are many that are rightfully questioning whether it is constitutionally feasible
for the government to interfere like this in private contractual relations;
further, many point out that the costs associated with forcing the insurers to
bear this financial burden will simply result in financial instability at the
insurance company level and/or increased premiums to the public at large.
Good commentary on the New Jersey bill can be found at the following
Finally, the following article highlights a recent
estimate by the American Property Casualty Insurance Association that Business
Interruption losses nationwide would cost the insurance industry $220-$383
billion per month if they are forced to afford coverage; this is in an
industry that has a total industry-wide surplus of about $800 billion.
There are many questions that exist as to how Business
Interruption claims resulting from the coronavirus pandemic will be handled by
the insurance industry. What’s clear at this point is that the
exclusionary language cited by insurers does exist – whether it will serve its
intended purpose (from the carriers’ perspective) remains to be seen.
|Return to Top|
|Employment Law Q&A
Q. If someone calls in
sick, can we ask the individual certain questions like where they traveled
recently or if have been in contact with anyone who is under quarantine? We
want to do this before they return to work so that others in our workplaces
feel safe. Yes, you may ask
questions that are necessary to assess if the person is safe to be present in
the workplace. It is important to ask this question of all employees returning
from a sick day or hiatus and not to be selective in who you ask. Information
should be kept confidential.
Q. If we’re concerned
about the answers to the questions, can we ask them to self-quarantine at home? Yes. Many employers are requiring employees to
self-quarantine if they have any symptoms of illness at home, if they have
traveled abroad, or if they may have been exposed to someone with Covid-19.
Employers much be careful not to make determinations of risk based on race or
country of origins. Employers much also maintain confidentiality of people with
Q. Should I tell other
employees if a fellow worker is infected? The CDC has said that if an employee infection is confirmed,
employers should tell their co-workers that they may have been exposed to the
virus. At the same time the CDC states that the employer should not tell you
that person’s name. Federal law requires employers to maintain the
confidentiality of the ill person.
Q. What is the
responsibility for compensating an employee if they are in self-quarantine? It depends on employers’ unique policies and
the reason for the absences. For example, if an employee is absent due to
Covid-19 symptoms, then they would be eligible for sick time. If the leave is
for a longer time, the employee might be able to get short term disability.
Note that the Federal Government is looking at passing a bill to require paid
time off to employees who self-quarantine for a Covid-19 related reason.
Q. We had someone recently return from traveling to Europe. Can we ask that
person or people in similar circumstances to self-quarantine for a certain
amount of time before coming back into the work? Yes. You should also
consult the CDC website for a list of countries by “Alert Level” with
recommendations for returning travelers.
Q. What are some simple recommendations we can make to our employees
as a general guidance on dealing with this issue?
Stay home if you have respiratory symptoms (coughing,
sneezing, shortness of breath) and/or a temperature above 100.4 F.
Leave work if you develop these symptoms while at the
Shield coughs and sneezes with a tissue, elbow, or
shoulder (not the bare hands).
Wash hands often with soap and water for at least 20
seconds or use an alcohol-based hand sanitizer.
Minimize handshakes in the workplace.
Make sure bathrooms have adequate soap and towels for
employees to wash their hands. Make sure hand sanitizers and wipes are
visibly distributed throughout the workplace.
Make sure that frequently touched employee and common
work surfaces such as desktops, computers, countertops and doorknobs are
regularly cleaned. Increased cleaning of common areas using standard
cleaning agents can also reduce risk of spread of respiratory disease.
Q. Is an employee who
contracts COVID-19 eligible for workers’ compensation benefits? A small universe of employees may qualify for
benefits under the Massachusetts workers’ compensation statute. Examples may
include people who contracted the disease in the course of their employment,
such as health-care workers who are working with COVID-19 patients or perhaps
somebody sent by the company to China for work-related activities. In general,
if an employee incidentally contracts the disease from a co-worker, there
likely will be no workers’ compensation liability.
Q. Must the employer pay
its employees disability benefits if they contract COVID-19? It depends on the nature and scope of your
company policy. Employers should review the scope and limits of coverage in the
benefit plan to ensure they are aware of potential liability.
Q. May we require employees to work from home
even if we don’t have a work remote policy? An employer may always create a
new policy or modify an existing policy based on the needs of the business.
Every employer should have a provision in its handbook that reminds employees
that policies may be amended as needed by the employer. An employer could use
the opportunity to establish an ongoing remote-work policy or could adopt one
on an emergency basis.
If your company has never had a remote work policy, it will be important to
train your managers on how to manage people remotely and your employees on how
to provide documentation about their work performance while working remotely.
At the same time, managers will need to be empathetic to any employee who is
home due to COVID-19 because they are likely to be dealing with multiple
sources of stress and anxiety, including issues such as closed schools and/or
|Return to Top|
|PartRunner is offering what they call a "COVID-19 No-Contact Delivery Solution"
is offering what they call a "COVID-19 No-Contact Delivery Solution"
to help any ASM members reduce costs and move materials from any warehouse,
jobsite or office curb-side. Their service includes on demand, same-day, and
scheduled deliveries and they can do supply runs as well. All materials are moved
using proper safety measures and their drivers have PPE. Please contact Yoshua
Rozen at: email@example.com or
|Return to Top|
|Do You Have A Legal Question? Accessing The ASM Hotline
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 firstname.lastname@example.org. 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.
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.
|Return to Top|
|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.
|Return to Top|