Recent News

Happy Father's Day

To all the fathers we hope you have a great weekend.  May you enjoy the celebrations of Father’s Day with your children and father.  We send warm greetings to you all.

Teen Drivers & Summer Driving

School is wrapping up for the year, and teen drivers are ready to hit the road this summer.

In a recent article by Denny Jacob, he discusses summer driving risks for teenagers.  We thought it would be good to repeat these for you to share with your teens.

  • Seat Belt Use – Remind them to wear their seat belts at all times when driving
  • Driving Conditions – Make sure your teen knows how to drive in heavy rain, heavily congested areas, fog, and flooding
  • Distracted Driving – Keep all electronics out of reach – no texting
  • Speeding – Open roads are not conditions for speeding or drag racing
  • Driving With Passengers – Focus on the road, not the passengers
  • Alcohol Use – Has you teen take the pledge to not drink and drive
  • Difficulty Judging Space and Time – Parking and judging length and width of a car can be challenging to a teen and lead to both fender benders and side swiping.  Your teen should be comfortable with parallel parking.

Take ten minutes to talk with your teens and prepare them for a safe summer.

Hurricane Season Starts June 1st

Hurricane Season officially begins June 1st.  This Spring has been tumultuous with weather activities such as tornadoes, heavy rain and flooding. Now, Hurricane Season is here and experts predict 13 named storms. While activity is slow in the beginning of the season, now is the time to purchase a flood policy to protect your home or business from the devasting effects of water and flooding.  Remember, It takes 30-days for a policy to take effect.

For tips on Hurricane Preparedness – Be Ready go to https://www.nhc.noaa.gov/prepare/ready.php

If you have any questions such as are you in a flood zone, give us a call at the agency.

Cyber Drills - Minimize Risk

Most companies will suffer a cyberattack at some point. Making a plan and practicing for a cyber event can help minimize risk and expedite recovery.

What do to prepare for a cyber event?

  • Create a plan
  • Practice the plan to handle different types of scenarios
  • Evaluate security vendors to insure they are the right vendors
  • Identify potential gaps in your security  program

Cyber Attack Statistics 

  • 58% of small businesses have experienced an attack
  • 60% of small businesses that have experienced an attack go out of business in the next year.

Need help with putting together a plan and purchasing cyber insurance protection, give the agency a call today.

Source: Zurich

National Small Businesss Week - Attend SBA Online Conference - May 7-8

As a small businessowner, it is difficult to keep up to date with the latest topics and issues.  The SBA is offering a free online conference hosted by the US Small Business Administration and SCORE.  For today and tomorrow you can register and attend all or pick and choose the sessions you wish to attend.

Today’s topics include:

  • The U.S. Economic Outlook and its Impact on Small Business
  • SBA Funding Programs Explained
  • The Cultural Imperative: Drive Growth with Customer Obsession
  • Creating Effective Online Ads

To register, go to Virtual Conference.  We want to thank all of our small business clients for their trust in us.

Car Care Tips

Spring is here and what better time to tackle the job of checking your car for any winter weather damage.

Here’s a few tips to help you make your car look like new and running in tip-top shape:

  • Remove all dirt and grim both interior and exterior.  It’s recommended you clean your car once a month.
  • Change the oil & filter – oil/filter should be changed every 5,000 to 7,500 miles.
  • Check your tire pressure and rotate your tires.  Rotate every 7,500 miles to get the most ware out of your tires.
  • Check the brakes.  Have them tested every 25,000 miles to ensure safety on the road.
  • Check your headlights and replace bulks that don’t function.
  • Change the air filters – it will change the short-term and long-term performance of your car.
  • Maintain your radiator – check for leaks and add coolant if necessary to run efficiently.

Performing these tasks on your vehicle will help you have a summer without mechanical worries.

Source: Property Casualty 360

Contractors & Water Damage

Zurich has presented a series of innovative tools to help contractors prevent water damage on a construction site.

Water-sensing flow meters – costly water damage often occur on weekends.  Installing a flow meter onsite alerts an unusual flow of water.

Spill Carts – Assemble a spill cart with first-responder essentials for a leak or spill.

Wet work permits and training – Download a wet work permit checklist and training programfor your construction works. 

The common thread in the successful deployment of these tools and steps is communication and teamwork.

To read the entire article, go to https://www.zurichna.com/en/knowledge/articles/2019/04/how-contractors-can-wage-war-on-water-damage-and-win?.com

By implementing these tools on your job site, you will have an educated workforce poised to handle water damage when occurs.

Source: Zurich

Happy Easter!

On behalf of all of us at Appleby-Wyman Insurance, we wish you all a Happy Easter.

Spring Lawn & Garden Checklist

Gardner’s Edge has been assisting homeowners and avid gardeners since 2005. Follow their spring checklist to ensure a healthy, lush lawn and garden this season!

Whip Your Yard & Garden Beds into Shape

Your yard has probably collected some fallen limbs, leaves, and other debris over the winter months. Now is a good time to rake up any debris in your garden beds and landscaping. Cut back or remove dead plants and tackle any early pesky weeks before they get out of hand. Also aerate and till your garden soil to maximize its potential.

Start a Compost Pile

After cleaning up the yard and garden beds, you should have plenty of debris to add to your existing compost pile, or start a new one! Compost helps improve soil, delivers important nutrients to your garden and helps reduce fertilizer expenses.

Tackle Those Unfinished Projects, or Start Some New Ones!

Maybe last fall you started building a new garden shed, updating your patio area, or installing raised beds but didn't have time to get it finished. Tackle those projects now before you get too busy with your spring vegetable garden and lawn care

Sharpen Your Tools So They'll Be Ready for Spring

Keep your favorite tools sharp, clean, functional and easy to use for optimal performance. Pruners, mower blades, soil knives, shovels, loppers, garden scissors and more will benefit from regular sharpening.

Prune Plants Before They Bloom to Encourage Healthy New Growth

Besides pruning for safety and to enhance the health of your trees and shrubs, pruning can also improve flower and fruit production. Check out our pruning guide to help select the right pruner for the job, to learn how to sharpen and maintain your pruner, and for general pruning techniques.

Divide Perennials While the Weather is Still Cool and New Growth is Minimal

Rejuvenate perennials and keep them under control by dividing them before new growth begins or while new growth is minimal. Expand your garden with the divisions or share with friends. A soil knife works great for this task, or you may prefer a shovel or spade for larger plants. It's recommended to divide fall blooming perennials in the spring, and spring and summer bloomers in the fall.

Apply Mulch to Help Reduce Weeds and Save Water

Mulch keeps weeds at bay by smothering weed seeds, and it helps plants retain moisture so you don’t have to water as often. Plus it keeps roots cool in the summer heat and warm in the winter. Go for a depth of around 2-4 inches, but remember to leave a little space around plant stems and tree trunks to prevent rot. Landscape fabric below your mulch also helps reduce weeds. Add landscape edging to define borders and achieve that perfectly manicured, professional look.

Test Your Soil to See What Nutrients It Needs

Now is a good time to add a couple of inches of compost or your favorite fertilizers and amendments to your flower beds, vegetable garden and lawn. A soil tester will help you measure pH, moisture, fertilizer and light to determine exactly what your plants and soil need.

Fertilize or Reseed Your Lawn

If your lawn is looking a little rough, lightly fertilize with a balanced, slow release fertilizer in the spring. Fall is the better time for heavy fertilizing though. You can also add a pre-emergent to help control weeds before they get out of hand. Now is also a great time to reseed your lawn if needed, however, be aware that pre-emergents prevent grass seed from sprouting so you should only do one or the other.

Start Planting!

Once the weather turns nice, get out there and start planting! Get an early start with cool weather crops, as they can be planted a couple months before the last frost date. These crops can tolerate a light frost, but have frost protection on hand for those really cold nights.

Source:  Gardner’s Edge

Flooding This Spring

Flooding is a coast-to-coast threat to parts of the United States nearly every day of the year.  The National Weather Service has created a site to help keep you safe in a flood event.

If you know what to do before, during, and after a flood can increase your chances of survival and better protect your property.

The site also provides an interactive flood map, that describes the different types of flooding and educational material.

The Service also keeps you aware of potentially flooding situations through alerts and warnings.

Go to www.weather.gov/safety.flood to explore all the flooding resources they provide.

If you have flood insurance rest easy, if you haven’t we recommend you call the agency to obtain a quote. Remember, it takes 30 days before a flood policy becomes effective so prepare today for tomorrow’s storms.