Summer Classes At College of NJ

Child Care Expands

Looking Ahead: Technology Transfer

Teacher Workers

Participate Please

Donations Needed

Corporate Angels

Corrections or additions?

Published in U.S. 1 Newspaper on April 19, 2000. All rights reserved.

Now, Workers Comp For Owners


Under a new state law, business owners can buy workers

compensation insurance to cover not just their employees but also


Up to this time, if the sole proprietor were to become injured in

the course of business, and had medical bills or became disabled,

he or she could not receive benefits under workers comp. Now, says

Sherry Acconzo of the Independent Insurance Agents of New Jersey

(IIANJ), the business can buy workers comp insurance for the proprietor.

The IIANJ is headquartered on Whitehorse-Mercerville Road, (609-587-4333,

Charles Stults of Allen & Stults and a member of the workers

compensation task force of the IIANJ says the new rules have other

implications. Now, says Stults, a contractor can require any subcontractor

to show a certificate of insurance for his or her coverage under workers’

comp. Before, when proprietor A hired proprietor B, A had to pay workers

comp for B, because B could not buy it himself. Now A can require

B to buy his own insurance.

Costs depend on what you do. If you are a roofer, Stults says, you

pay a very high rate of $27 per $100 of payroll. Drivers and chauffeurs

are insured at a rate of just under $7 per $100 of remuneration. Insurance

for desk-bound office workers, on the other hand, costs only 25 cents

per $100.

It can get complicated, says Stults. Newspaper publishers worked out

an arrangement so that they pay only $2.20 for delivery drivers, versus

$7 per $100 that messenger services pay. The downside is that publishers

also pay $2.20 per $100 for all their workers — including the

supposedly "safe" desk jobs such as clerical worker or editor.

"But the publisher is getting a big break on the delivery workers

and the press workers," he points out.

"You can only do what god lets you do, and god is the Department

of Labor," says Stults. He is the fourth-generation proprietor

of the independent insurance agency on North Main Street in Hightstown

( A graduate of Roanoke College, Class of 1973,

Stults remembers going with his father and grandfather to visit clients

who had suffered a loss from windstorm or fire. "I used to think

it was pretty nice, giving money away, and from the time I was 11

years old I wanted to go into the business."

He explains how workers comp got started: "It is the great compromise

between business and employees. Prior to 1913 in New Jersey there

was no such thing as workers compensation. Any employee had to prove

negligence on the part of the employer and sue the employer in court

in order to be compensated. In the garment district fires in New York,

for instance, each family had to bring suit in order to be compensated."

"The courts started to recognize that there ARE negligent employers

and the tide turned. Employers started to lose. They were afraid to

open businesses because employees had this unlimited right to sue,"

says Stults. The workers comp policy, in contrast, guarantees benefits

to the worker but the worker does not have the right to sue.

The amount a worker can get from workers comp is substantial, says

Stults, from $600,000 to $700,000 for a permanent disability. Also

important is that workers get 100 percent of their medical bills paid

without any deductible, "and at any place of their choosing,"

says Stults. But the injury must be work-related.

Any new law has some pitfalls. "The unseen potential problem,"

says Stults, "is that some sole proprietor might not get to collect

on health or disability on a work-related injury if his business’s

policy was not approved in the state of New Jersey."

Why? Some out-of-state policies have a trick clause that denies benefits

if workers comp benefits are "available." Until now these

benefits were not available to a proprietor. Now they are indeed "available."

Just how that term "available" will be interpreted has not

been determined, Stults says.

— Barbara Fox

Top Of Page
Summer Classes At College of NJ

Short-term business courses are being offered for the

first time by the College of New Jersey. The college’s Business Institute

launches a summer program ranging from one-day workshops on financial

planning for retirement ($250) to three-day workshops on marketing

strategy ($745). Most of the courses are two full days and cost $495.

Discounts are available for multiple attendees or going to more than

one workshop. Call 609-771-2566 (

With the newly named institute, the college is trying to develop some

links with the business community, says Rajib N. Sanyal, director

of the institute. He has industrial relations degrees from the University

of Wisconsin at Madison (Class of ’82) and Georgia State and has been

teaching at CNJ since 1987. His research is in the area of human resource

management in multinational firms.

"This is our first summer program," says Sanyal. Workshops

are taught by full-time faculty members with free time in the summer.

Fees for these courses are higher than those at community colleges

and comparable to trade association fees. "We are trying to separate

ourselves and reach a different market," says Sanyal. "These

workshops are quite rigorous and are given by top-rate instructors."

"This is also another way for us to showcase our facility,"

says Sanyal, referring to the brand-new building, filled with multi-media

equipment, that houses the business school. Located next to the music

building, it has wiring at each student’s desk for laptop computers,

arena-style tiered seating for case study sessions, DVD overhead projection,

and well-equipped computer labs. "I must confess, we had to take

crash courses in how to use this technology," he says.

Two years ago the college went through the onerous process of applying

for accreditation for its business school and received its AACSB designation,

which is shared by only one-fourth of the business schools in the

country. Following the retirement of the dean, James Robinson,

Thomas P. Breslin was made acting dean, and it was under his

administration that the certification process was accomplished. At

this time these workshops do not carry continuing education credits,

but Sanyal expects to make them available retroactively.

With a couple of exceptions, all workshops are on Thursdays and Fridays.

The one-day classes are "Financial Planning for Retirement,"

held Fridays, June 16 or July 14, or Saturdays, June 17 or July 15.

"Basic Estate Planning for Estates up to $3 million" is on

Saturday, June 24. Both cost $250 and are taught by Herbert Mayo,

professor of finance, and James Icklan, assistant professor

of business law.

One three-day workshop is Wednesday to Friday, August 9 to 11, and

costs $745. Louis Tucci and Alfred Quinton, both assistant

professors of marketing, teach how to apply Markstrat simulation to

marketing management.

All the other sessions cost $495. First on the calendar is "Valuation

of Closely Held Companies" with Thomas Patrick, professor

of finance, teaching on Thursday and Friday, May 25 and 26. Then Lynn

Braender, assistant professor of information systems, teaches web

page development in two-day workshops starting June 1 or 8.

"Using SAS to Analyze to Analyze Economic and Financial Data"

is the topic for Anusua Datta, assistant professor of economics,

on June 29 and 30.

Joao Neves, professor of management, offers a two-day class

on using Microsoft Excel spreadsheets on July 27 and 28.

"Interpersonal Communication for a Diverse Workforce," on

June 8 and 9, will be taught by Rudy Butler, associate professor

of management. Another two-day session on HR problems will be August

17 and 18, when Pamela Lieb, assistant professor of management,

teaches "Sexual Harassment and Workplace Diversity."

"Doing Business in Central and Eastern Europe" is offered

by Bozena Leven, associate professor of economics, on June 22

and 23. "Effecting Marketing Decision Making for Non-Marketing

Managers," by Alfred Pelham, assistant professor of marketing,

is July 6 and 7. "Introduction to Supply Chain Management Using

the SCOR Model" is scheduled for August 3 and 4.

"Organizational Control and Fraud Prevention" is the topic

for Hossein Nouri, professor of accountancy, on August 24 and


The break-even rate for these classes is five people. Fees include

breakfast and lunch and coffee breaks. Says Sanyal: "We think

it is a good deal."

Top Of Page
Child Care Expands

Two major childcare initiatives, one private and one

public, expand the horizons for working families. Bristol-Myers Squibb

is now offering emergency back-up elder and child care services to

all its U.S. employees, and the state of New Jersey is spending money

to improve child care and help parents make better choices.

Among the benefits of the B-MS program, called Just in Time Care,

is a subsidy of up to $300 per employee per year or 80 percent of

the backup cost when the care is needed.

What does back-up service mean? When a caregiver — a nanny or

a babysitter — suddenly becomes unavailable for any reason, the

service helps the employee locate a replacement and subsidize the

cost. The help would, for instance, be available if a child care center

or school closed for a snow emergency. Or when the child is sick and

cannot attend daycare.

"The program provides employees with valuable counseling and information

on planning for the unexpected and gives referrals to carefully researched

community resources," says Stacey Gibson, director, work

life/home life of Bristol-Myers Squibb ( "The more smoothly things

run at home, the more productive and effective people can be at work."

In the proposed budget of Governor Christie Whitman is $7.8

million to pay for fingerprinting and criminal history background

checks of child care center employees, and an addition of $4.5 million

to the current $228 million for child care subsidies for low-income

working families. Whitman also supported more than $20 million to

create new child care slots and improve care through professional

development and new equipment, plus $2.5 million to develop after-school

care centers.

Just announced: nearly $700,000 in state money to help registered

family day-care providers to open licensed mini child-care centers.

The grants of up to $50,000 can pay for minor repairs, equipment,

and supplies. Of the caregivers receiving these grants, the closest

to the Princeton area are in Piscataway and Somerset.

Now parents can get a new brochure "Choosing Quality Child Care"

by calling 800-332-9277. The same number also works as a hotline that

determines the location of the caller and automatically routes the

call to a child care resource and referral agency in the appropriate

area. "Shopping for child care should be a parent’s most important

research mission," says Michele K. Guhl, human services

commissioner. "The State of New Jersey is here to help find and

research those choices."

Top Of Page
Looking Ahead: Technology Transfer

The technology transfer conference for this spring will

be Wednesday, May 24, 7 a.m. to 2 p.m. at Rutgers Cook Campus in New

Brunswick. Craig Zolan, president and CEO with UniversityVentures

(the first technology transfer Internet portal) and Kathryn Clark,

chief scientist for NASA’s international space station and coordinator

of research, will be keynote speakers.

The conference is organized by the New Jersey Technology Council and

the New Jersey Commission on Science and Technology. Topics will include

Small Business Innovation Research financing, independent not-for-profit

research centers, seed fund financing, and issues and success stories

for federal labs and universities. Cost: $120. Call 856-787-9700 (

Top Of Page
Teacher Workers

Hire a teacher this summer, and get reimbursed by the

Department of Labor. Once again, the Business Coalition for Educational

Excellence, a part of the state Chamber of Commerce, is seeking member

companies to hire teachers for one month. The program, called Educators

in the Workplace, is designed to provide employers with skilled, temporary

help, an experience which educators can in turn incorporate into their

school curricula.

The BCEE is looking to place more than 70 educators in jobs across

the state. Employers are asked to pay teachers $14 per hour, but a

grant reimburses half of that cost. Companies can hire up to two teachers.

Call 609-989-7888 or E-mail

Top Of Page
Participate Please

DiCosimo Capital Management, better known as the Greedy

Fox, will host monthly meetings of the new Mill Hill Investment Club,

with the launch meeting on Saturday, April 21, at 1 p.m. The club

belongs to the National Association of Investment Clubs, and it has

the goal of purchasing long-term quality blue chip stocks and stocks

of local companies that have growth potential.

Anyone who wants to learn about the stock market, and to broaden investment

skills — including learning to buy stocks on-line — may attend.

The investment office ( is hosting the meetings

but is not associated with the club. Meetings will continue on fourth

Saturdays at 3679-A Nottingham Way, Hamilton Square. Call 609-393-3207

for club information.

Top Of Page
Donations Needed

Now through May 1 the Middlesex Chapter of NJAWBO

is collecting gently used business clothing to benefit Women Helping

Women and Hire Attire. All clothing should be on hangars, in excellent

condition, ready to wear, and contemporary in style. Both men’s and

women’s clothing and dress coats are welcome, and also women’s accessories

— belts, scarves, and costume jewelry. Clothing can be dropped

off with Carol Wright at the Wright Agency on Route 18 in East

Brunswick or to Sue Dreifus of Clothes to You — Weekenders.

Call 732-238-8408 or 732-828-3394 for details.

Your company can have its sign displayed on the putting green

or driving range for $500 at the Regional Planning Partnership ‘s

golf outing on Monday, May 15, at the Olde York Country Club in Columbus (

Other sponsorship opportunities: $1,500 would put your company’s name

on all the golf carts (plus get a round of golf for a twosome) or

earn prominent display of your company’s logo at the cocktail hour

(plus a twosome). The fee for an individual golfer, including lunch

and dinner, is $250, or $100 for cocktails and dinner only. A silent

auction will result in someone winning a one-year membership to Olde

York Country Club. Call 609-452-1717 or register by E-mail:

The RPP is a regional non-profit organization dedicated to sound land

use-planning. Formerly known as MSM, it works for affordable housing,

well-conceived development, smart growth, and improvement of the public

infrastructure. Anthony L. Marchetta of Baker Residential chairs

the outing.

Top Of Page
Corporate Angels

<B>Shiseido America celebrated its achievement of

ISO 14001 certification with an Earth Day celebration on Tuesday,

April 18, in East Windsor. With proceeds from its extensive recycling

programs, the company has made donations to area agencies, says Konomi

Takeshita, special projects engineer. Certification to ISO 140001

demonstrate the company’s determination to continually improve on

its activities relating to environmental problems. Call 609-371-3063.

Hill Wallack at 202 Carnegie Center, one of central New

Jersey’s largest law firms, organized a food drive for the Trenton

Area Soup Kitchen. They delivered canned goods, non-perishable foods,

toiletries, and clothing to the community organization. Call 609-734-6369.

National Business Parks, managers of College Park at Princeton

Forrestal Center, presented the Plainsboro Police Department with

a check that will assist in various Police Benevolent Association

activities, specifically the Special Olympics of New Jersey. More

than 12,000 individuals participate free-of-charge in the Special

Olympics, which provides year-round sports training and athletic competitions

for children and adults with mental retardation. National Business

Parks has a long history of community involvement, and is founder

of the annual "Corporate Challenge," a softball game that

has raised more than $100,000 for the American Cancer Society. Call


Omni Environmental Corporation at 321 Wall Street joined

volunteers from area high schools, the East Trenton Community Council,

and the Assunpink Creek Watershed Association on Saturday, April 1,

for a clean-up of the Assunpink Creek in Trenton’s George Page Park.

The volunteers planted more than 400 blueflag and yellow irises, sedges

and rushes to help shore-up the streambank. The volunteer event was

a kickoff for Earth Month 2000, organized by the BEES (Building

Environmental Education Solutions ), a nonprofit organization that

works with educators to develop innovative environmental programs.

Call Jeff Hoagland at 609-818-9277.

A committee of 14 construction industry organizations sponsored

a reception to raise $30,000 for 12 families who lost their homes

due to Hurricane Floyd. The April 6 reception, held at Petullo’s Restaurant

in Bound Brook, yielded enough to present $2,500 to each family. Participants

included the Associated General Contractors of New Jersey , and

NJ Asphalt Pavement Association (both at Raritan Plaza II in

Edison), and NJ Concrete & Aggregate Association on Parkway

Avenue in Ewing.

"Representatives of the union construction industry have rallied

together to provide what assistance we can to help the victims of

Hurricane Floyd get back on their feet," says Jack Kocsis,

executive director of the Building Contractors Association of

New Jersey, also at Raritan Plaza (732-225-2265).

Arthur R. Brown, New Jersey secretary of agriculture and

chairman of the United Way of Greater Mercer County campaign, announced

that participants in the annual campaign have donated $1.1 million

for more than 1,000 local, national, and international charities.

Bristol-Myers Squibb Oncology/Immunology helped the American

Cancer Society raise more than $10,000 to fight cancer in Mercer County

at an event called Hoops for Hope. In conjunction with the Northeast

Conference Men’s Basketball Championship game at Sovereign Bank Arena

last month, fans could pay $1 to take a foul shot. Basketballs were

awarded to those whose shots were successful (800-ACS-2345 or

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