They’re trees. And as with so many things in life, proper maintenance is critical. Keeping your trees healthy will allow you to continue to enjoy them and their benefits — one of which is providing enough oxygen for four people every day!
Maintenance also will reduce the risk of a tree falling on your home or your car (or even worse, someone else’s home or car).
Here are some tips from the National Arbor Day Foundation to help keep trees healthy, identify warning signs and address problems. A healthy tree that you care for properly — and regularly — is far less likely to become a hazard. Remember, prevention is key!
Inspect your trees often This applies to all seasons! The sooner you spot a problem, the sooner you can take corrective action — and potentially save your tree. Check trees regularly each year, and have a qualified arborist inspect them annually.
Plant the right species Brittle trees can produce weak limbs that fall and injure people or property. Examples include Silver Maples, Lombardy Poplars, Box Elders, and Willows.
Prune the right way, at the right time Trees should first be pruned when they are young, and then at regular intervals as they age. Make the cut outside the branch collar, and never allow trees to be topped.
Plant in the right place Don’t plant trees that will grow to be large close to your home or under power lines.
Learn to spot problems According to the National Arbor Day Foundation, there are several key things to consider when evaluating your trees for potential issues.
If you have a dead or dying tree, it should be promptly removed unless it is in an area where structures or people won’t be threatened. And have an expert do the job — bringing down a large tree is extremely dangerous, and accidents can result in severe damage, injury, and even death.
The law typically holds the owner responsible for damage or injury caused by a defective tree. So don’t forget about them when you’re working in the yard or examining your landscaping. Keeping your trees healthy can limit the potential for disaster — in addition to keeping your space beautiful and vibrant.
Every year, according to the Centers for Disease Control and Prevention, hundreds of people in the U.S. die from carbon-monoxide (CO) poisoning—and the invisible, odorless gas sickens thousands more.
The numbers seem even more tragic when you consider that most of these deaths and illnesses are preventable. Here are tips from the Consumer Product Safety Commission and the Occupational Safety and Health Administration to help protect yourself and your loved ones at home and work.
In general, the same precautions for homes apply here, but there are a few additional considerations for the workplace, particularly one where gas-powered machinery is used:
Whether you’re at home or work, always be on the lookout for symptoms of CO exposure: They include dizziness, drowsiness, headaches and nausea. If you suspect an issue, leave the area as soon as possible and call 911—because when it comes to CO, it’s better to be safe than sorry.
October is Cybersecurity Awareness Month, so we've compiled some information that may be useful to you!
These days even the most old school of business involves technology in some way, whether it be email, cell phone usage, a credit card machine, or even an online customer database. Even the smallest business with only a small amount of online interaction may be vulnerable to cyber hacking or attacks. Every business can benefit from some level of Cyber Liability coverage.
Are You At Risk?
Does your business engage in one or more of the following activities?
If you said yes to any of the above then your business is at risk for data breaches, security issues and even lawsuits for things like copyright infringement, intellectual property theft and plagiarism. Cyber Liability insurance can help.
Why You Need It
In just one week, virus removal software companies identified 30 new computer viruses to add to the long list of thousands (possibly millions) of known viruses from around the world. Each of those can be transmitted in a number of ways, including email, instant messaging, malware and malvertising.
Data breaches may also occur via accidental means such as an employee losing a laptop. Less accidental ways may include employees revealing passwords or customer information on social media. In fact, your employees may be more of a threat to your cyber security than hackers.
The losses due to global cyber crimes are estimated at $400 billion per year. In just one year, companies like Target and eBay were hacked, as was the federal government (click here for a list of recent breaches). Big companies like these make the news, but small businesses may be even easier to breach, and the cyber crime may go unnoticed for even longer.
Cyber Liability Coverage Can Help
Data breaches can be costly. When you think about all of the ways a data breach can affect your business, the financial losses add up quickly:
Take Preventative Measures
A data breach or hack doesn’t have to mean the end of your business. Contact Theodore & Associates to get a quote on a Cyber Liability insurance policy.
From building materials to furnishings, many of the things in your home likely aren’t as flame-resistant as those from yesteryear.
A fire in a modern home is a “perfect storm,” according to safety consulting and certification company UL (Underwriters Laboratories).
Larger homes, more open layouts, new construction materials and other factors mean fires burn more quickly, leaving less time for occupants to escape — and for firefighters to stop the flames. How much less time? About 30 years ago, you had about 17 minutes to get out of the house once it caught fire. Today? Just three or four minutes.
A lot goes into creating that “perfect storm,” experts say. Here are some key factors:
What can you do? Well, unless you’re having a house built or doing an extensive remodel, you can’t really change the materials used to construct your home. However, there are a few things you should do immediately to help keep you and your family safe, no matter where you live:
To learn more about fire safety, check out these tips from the American Red Cross. Because the best fire protection of all is preventing one from starting in the first place!