How Can I Prevent Termites?
Late spring is the swarming seasons for termites, those tiny pests that can wreak havoc in our homes. The best ways to avoid infestations are to:
- reduce moisture around foundations and in crawl spaces and basements
- use plastic sheeting to cover surfaces in crawl spaces
- store firewood away from your external walls
- get rid of tree stumps and other rotting wood in the yard
- have your home professionally inspected if you live in an area known for termites.
Look out for these tell-tale signs of termite activity: paper-thin wings on the ground or window ledges, bubble or cracked paint surfaces, wood that sounds hollow when you tap it, and the endings of mud tubes on ground surfaces.
6 smart offerings for integrating technology and saving money on insurance
Which Products are Favored by Carriers, and Why are They Important?
In this high-tech era in which everyone owns a smartphone, and has some access to advanced technologies, we are seeing trends in increased impact to our daily routines. Sure, making telephone calls to clients from the beach, answering inquiries while vacationing in Europe and submitting payroll from the slopes in Aspen are now customary functions, but did you know that many of these devices, when used in conjunction with service providers may offer significant savings on insurance?
Here are 6 tips for capitalizing on this savings to your homeowner’s insurance:
The greatest savings for homeowners comes in the category of home security technologies. Well beyond the traditional deadbolt, or the standard home security system, today’s smart home technologies provide everything from video door bells to distance sensing door unlocking services. Various insurance companies have begun to partner with these smart home services to provide safety, security and protection packages for their clients. Some of the top picks include:
Canary Flex HD Security Camera – Canary Flex is the versatile indoor/outdoor weatherproof, HD security camera that works wire-free or plugged in. It also integrates with Amazon Alexa, Google Assistant and Wink.
Why the savings?
Canary has a member subscription service (required activation for discounts) the provide all around home monitoring services, including night-vision camera and sensors for things like motion, temperature, and air quality.
Is Bottled Water Safe To Drink?
Plastic found in nearly all samples
A new study of bottled water has found that nearly all of 259 samples tested, including many well-known brand names, contained microscopic plastic particles.
Researchers at State University of New York at Fredonia found an average of more than 300 suspected plastic particles per liter of water. Some had thousands of microplastics, mostly invisible.
So, the big question is: Is it safe to drink bottled water or not?
No-one is sounding alarm bells yet. There’s no evidence that swallowing small particles of plastic is harmful. But Dr Sherri Mason, who led the research says the study shows that “plastic has become such a pervasive material in our society, and it’s pervading water.”
She added: “It’s not catastrophic, the numbers that we’re seeing, but it is concerning.”
The companies whose bottled water was found to contain the microplastics say their products meet the highest standards of safety but they note that, for now, there are no regulations governing microplastic content in water and there’s no agreed way for testing for them.
The research was carried out for an independent journalism group known as Orb Media. They say scientists don’t really know what a safe level of plastic consumption is. They’re calling for more research.
But we can be pretty certain nobody wants to consume plastic. The Orb report quoted United Nations environment program director Erik Solheim as saying: “Please name one human being on the entire planet who wants plastic in his or her bottle. They will all hate it.”
The discovery confirms earlier findings of a 2006 Canadian study that claimed plastic bottles leach chemicals into their water. And the longer the water sits, the higher the concentration of microplastics.
At a time of increasing environmental awareness of plastic pollution, more than 1.5 million tons of plastic are used in bottle making each year.
For the record, it’s worth pointing out that a study of tap water for Orb last year also found traces of plastic but at about only half the level in bottled water.
The Opioid Crisis and Workplace Injury
What resources are there for employers?
Employers – how has the rise in opioid abuse affected your business? Whether your employees have struggled with addictions, cared for family members who have, or you simply have struggled to find employees who test drug-free, there has likely been some impact.
While rising healthcare costs, and limited resources for addiction and treatment, mean a certain financial toll for business owners, there are ways to alter the likelihood for your company. Many opiate addicts have resulted from the onset of injury or trauma for which narcotics have been prescribed. These incidents, many of which occur on the job, lead to lost wages, lowered productivity and chronic pain management by many of those employees.
There are steps an employer can take to reduce risk, keeping injuries in the workplace to a minimum and identifying those at risk of chronic pain resulting from on the job injury. In fact, Travelers Insurance has developed a new Early Severity Predictor® model that helps to not only identify those at greatest risk of ongoing chronic pain resulting from workplace injuries, but also identifying adjustments to medical care and connections to resources which will help reverse the sharp rise in chronic pain caused by workplace injuries.
For more information on Employee Workplace Injury, the Early Severity Predictor or developing a Safety Management Program you may visit Travelers Insurance, or call our office. If you are currently an employer with workers’ compensation, be sure you are carrying the right amounts, and meeting all of the requirements of your policy. If you are uncertain about coverage limits, audits or other insurance related items, we would be happy to offer you a free consultation.
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