07 Dec 2017
Preparing Your Business for a Winter Storm

Preparing Your Business for a Winter Storm

Is your business ready to handle a winter storm?

Unfortunately, an extreme winter snow storm can wreak havoc on your small business.  That’s why it so important to make sure that your business is prepared to handle intense winter weather conditions.  If you don’t already have storm preparations in place for your business, here are some tips you should try.

Winterize Your Business

Extreme winter weather can cause significant damage to your place of business.  The most common issues are frozen pipes and water damage.  When pipes freeze, the water trapped inside them expands which can cause the pipes to burst open.  This results in serious and costly damages to your business.  To prevent this from happening, shut off your water and drain your pipes before a winter storm gets too intense.  To protect against water damage, it’s important to seal up any cracks in your room and around your windows and doors.  This will prevent water from seeping in and causing damage to your business.

Keep an Emergency Generator

During a winter storm, it’s very likely that your business will lose power.  Even after a storm passes, it can take several days for your power to be restored.  That’s why having an emergency generator is a good safety precaution and business decision.  Not only will having a back-up power supply keep your business lit and heated during a winter storm, but it will also allow you to open your business much sooner than other businesses in your area.

Have an Emergency Action Plan

Finally, it’s important that your business have an emergency action plan in place.  Make sure you pay close attention to storm warnings and alerts and have a communication plan to keep your employees informed.  You should have a protocol for sending employees home and you should also know what to do if you have to evacuate your business.

Take these steps to ensure that your business is ready for a winter storm.  Want another way to protect your business this winter?  Then make sure you have the proper insurance protections in place.  To find the right policies to fit your needs, contact the professionals at Moser Group Inc. in New York.  Our dedicated team is ready to get you covered today.

30 Nov 2017
Learn More About Employee Fraud

Learn More About Employee Fraud

Find out how you can protect your business from employee fraud. 

While a good employee can be your business’s biggest asset, a bad employee can be absolutely devastating to your company.  If you are a small business owner, then you should take steps to protect your business from the emotional and financial costs associated with employee fraud.  Here’s what you should know about employee fraud.

Types of Fraud

There are three common types of employee fraud: asset misappropriation, corruption, and financial statement fraud.

  1. Asset Misappropriation– This is the most common type of fraud because any employee at any level of your business can abuse company resources. Common examples of asset misappropriation include stealing company resources, forging checks, and using company resources for personal use.
  2. Corruption– Corruption occurs when an employee accepts bribes or payoffs in exchange for offering preferential treatment or unauthorized discounts.
  3. Financial Statement Fraud– Financial statement fraud is committed by the employees who handle the financial records for your company. This type of fraud occurs when employees inflate revenues, exaggerate assets, and conceal expenses.

How to Protect Your Business

There are several things that you can do to protect your business from employee fraud.  For starters, you can employ more in-depth screening measures when hiring a new employee.  Conduct a thorough background check and try to contact previous employers.  Doing a little detective work could uncover previously undisclosed criminal activity or prior involvement with fraud.  Another way you can protect your business is by conducting random spot checks of your employees’ work.  Conducting a surprise inventory inspection or randomly looking over your company’s books can reveal any wrongdoing on your employees’ parts.  Finally, you can deter employees from engaging in fraudulent activities by establishing a code of ethics for your business.  Emphasizing fair and legal business standards will make your employees less likely to engage in illegal practices.

Use this information to protect your business from employee fraud.  Want another way to keep your business safe?  Then make sure it has the right insurance protection in place.  To get the right policy to fit your needs, contact the experts as Moser Group Inc.  in New York.  Our dedicated team is ready to assist you with all your insurance needs.

21 Nov 2017
Tips for Your Thanksgiving Road Trip

Tips for Your Thanksgiving Road Trip

Learn how you can make your Thanksgiving road trip a breeze.

Many Americans travel to meet up with friends and family on Thanksgiving.  If you are planning on driving to your destination this Thanksgiving, then it may seem like a daunting task.  However, your Thanksgiving road trip doesn’t need to be an overly stressful experience.  Try out these suggestions to make your Thanksgiving road trip go off without a hitch.

 Clean and Organize

If you are going to spend extended periods of time in your vehicle, then make sure it is a pleasant environment.  Clean up any clutter and clean the inside of your car thoroughly.  Additionally, wipe down any surfaces to clean away any stickiness, greasiness, or dust.  Pop in a clean smelling air freshener and you’re ready to embark on your journey.

Create a Schedule

If your drive will span several days, then create a driving schedule.  Breaking down your drive into smaller chunks will make your road trip much more manageable.  Set a reasonable driving goal for each day, and make sure you schedule time to take frequent breaks.  Having a schedule will remove any time pressure you might feel during your drive.

Have a Plan

Finally, to prepare for your road trip, it’s important that you have emergency action plans in place.  Think about any possible situations you might encounter and plan accordingly.  For instance, you should know what to do if faced with a medical emergency, a flat tire, a car crash, and so on.  Additionally, you should keep emergency supplies such as a first aid kit, food, water, changes of clothes, etc. in your vehicle just in case.

Try out these tips for an easy Thanksgiving road trip.  Another way to ensure your drive goes smoothly is by having the right auto insurance to keep you and your passengers safe.  To find the right policy to fit your needs, contact the insurance experts at Moser Group Inc. in New York.  Our dedicated team is ready to assist you with all your insurance needs.

16 Nov 2017
How You Can Prepare for Small Business Saturday

How You Can Prepare for Small Business Saturday

Learn how you can participate in Small Business Saturday.

This Small Business Saturday is November 25th.  Small Business Saturday is an American retail holiday much like Black Friday and Cyber Monday.  This event was originally established by American Express with the goal of supporting the small businesses that are the backbone of the local and national economy.  If you are a small business owner and want to get involved this Small Business Saturday, here’s how you should prepare.

Advertise

The first thing you should do to get ready for Small Business Saturday is announce your business’s participation in the event.  Start by creating promotional materials for your business.  To save some time, head over to American Express’s website to create your advertising materials.  You should also post about your business participation on social media.  If your business doesn’t already have a Facebook page and Twitter account, then now is a great time to create them.  Use your social media accounts to post about Small Business Saturday using the hashtags #shopsmall and #SmallBusinessSaturday.

Plan an Event

Another way to prepare for Small Business Saturday is by planning a special in-store event for your business.  For instance, you could always hold a sale in honor of Small Business Saturday.  Other fun ideas include hosting a raffle, offering seasonal refreshments to shoppers, and giving away a free gift with every purpose.  Holding some kind of special event will definitely generate interest in your business this Small Business Saturday.

Review Your Insurance

Finally, before the big day arrives, take a moment to review your business insurance policy.  Because your business will probably be filled with customers and employees this Small Business Saturday, make sure you have the right insurance protections to keep everyone safe.  Additionally, make sure you have the right liability coverage in place in case an angry customer targets your business.  Making sure you have the right insurance protection will give you some peace of mind this Small Business Saturday.

Follow these suggestions to prepare your business for Small Business Saturday.  If your business needs more coverage for the event, then turn to the insurance experts at Moser Group Inc. in New York.  Our dedicated team is ready to get you covered.  Contact us to get started today.

 

09 Nov 2017
Protect Your Loved Ones from the Threat of Carbon Monoxide

Protect Your Loved Ones from the Threat of Carbon Monoxide

Learn how you can keep your family safe from carbon monoxide poisoning.

Carbon monoxide is a colorless, odourless gas produced by the burning of carbon based fuel sources such as wood, charcoal, natural gas, and so on.  When inhaled, this gas prevents the body from getting enough oxygen and prolonged exposure could lead to death.  Don’t leave your family vulnerable to the threat of carbon monoxide; take these precautions to keep all your loved ones safe.

Install Detectors

As previously mentioned, carbon monoxide is both colorless and odourless, making it virtually undetectable to the human senses.  That’s why it’s so important to have carbon monoxide detectors installed throughout your home.  You should have these detectors on every floor and in every sleeping area of your home.  Much like smoke alarms, carbon monoxide detectors set off an alarm when they sense the toxic gas in the air.  If you hear your detector go off, quickly evacuate the home and get to a place with fresh air.  Once everyone is out, contact emergency services to report the possible gas leak.

Check Your Vents

If your home’s external vents become blocked, then it can cause dangerous levels of carbon monoxide to accumulate inside your home.  That’s why it’s important for you to check and clear your vents every once in a while.  Especially after a storm, you should be sure to clear away any debris or piles of snow that might be obstructing your home’s vents.

Don’t Burn Fuel

Finally, you can protect against carbon monoxide by never burning carbon based fuel sources in enclosed or poorly ventilated areas of your home.  For instance, you should never run your car when the garage door is closed and you should never run a gas-powered generator in your garage or basement.  You should also avoid lighting up grills or wood stoves inside your home.  Avoiding these activities will ensure that your family isn’t exposed to dangerous levels of carbon monoxide.

Take these safety steps to protect your loved ones from carbon monoxide poisoning.  Want another way to keep your family safe?  Then make sure you have the proper insurance protections in place.  To find the right policies to fit your needs, contact the professionals a Moser Group Inc. in New York.  We are ready to get you covered today.

26 Oct 2017
Storing Summer Toys for Winter

Storing Summer Toys for Winter

Learn how to prepare your boat, motorcycle, RV, and other summer toys for winter storage.

When the temperatures begins to drop, that’s when you know that summer is at its end.  The end of summer also signals that it’s time to prepare warm-weather toys such as your boat, motorcycle, and RV for storage.  Follow this guide to help you prepare your toys for storage this winter.

Cleaning

The first step in preparing your toys for storage is to clean them thoroughly.  Make sure you clean both the interior and exterior of every toy.  At the same time, check for any damages that might need repairs.  These will be addressed during maintenance.

Maintenance

If you noticed any damages, then get them repaired.  Once all repairs are addressed, then there are a couple of things you must do to prepare your vehicles for long storage.  First, make sure to remove any water from the engine and plumbing systems of your boat and RV.  If this water is left to sit, then it could start to corrode your vehicles.  Additionally, if you have gas remaining in any of your vehicles, then make sure you add fuel stabilizer to their gas tanks.  This will prevent the leftover gas from damaging any engines while your toys are in storage.  Apply a thin layer of wax to the exterior or all your vehicles to protect against rust and make sure you address any flat or damaged tires.  You want your summer toys to be ready to use as soon as your remove them from storage.

Choosing a Facility

If you are planning to store your vehicles off-property, then there are a couple of things to look for in a storage facility.  First, make sure you take a tour of the facility and check that security is to your liking.  Additionally, make sure the facility offers dry and heated units.  Finally, look for a facility that allows you to pay rent on a monthly basis.  This will allow you to only pay for storage when you need it.

Follow these steps to ensure that your summer toys are ready for winter storage.  Another way to prepare your vehicles is by making sure they have adequate insurance to keep them safe.  To find the right policies for you, contact the experts at Moser Group Inc. in New York.  Our dedicated team is ready to assist you with all your insurance needs.

24 Oct 2017
Protect Against These Threats to Your Small Business’s Bottom Line

Protect Against These Threats to Your Small Business’s Bottom Line

Don’t let your business be vulnerable to these threats.

If you own a small business, then you know how important your bottom line is.  However, there are risks to your small business’s financial stability everywhere.  While you cannot protect your business from everything, there are some major threats that you should look out for.  Here are some of the biggest threats that your small business faces.

Overspending

One major threat that all businesses need to watch out for is overspending.  Businesses tend to overspend in two areas, marketing and hiring.  In regards to marketing, businesses often invest in costly advertising campaigns while overestimating how these campaigns will affect their business.  Usually, these campaigns are not as successful as planned and the business ends up in the red.  It’s similar with hiring.  Businesses overestimate how much business they will receive and they spend too much money hiring and training unnecessary employees.  To minimize your risk of overspending, make sure you conduct the necessary research to budget for marketing and hiring more conservatively.

Legal Issues

Unfortunately, small businesses are regular targets for legal action.  Whether the suit comes from an angry customer or a vengeful employee, the costs associated with legal issues can be devastating for a business.  Expenses include legal fees, settlement costs, and the revenue lost while dealing with the issue.  While your business can cut down on legal problems by offering liability training to its employees, even the best training program cannot prevent every lawsuit.  In this case, the best way to protect your business from legal costs is by investing in a good commercial insurance policy.

If you’re a business owner, then do everything you can to protect your business from these financial threats.  If you would like to take the precautionary step of getting the right commercial insurance for your needs, then contact the experts at Moser Group Inc. in New York.  Our dedicated team is ready to assist you with all your insurance needs.

19 Oct 2017
Signs that Your Home Needs a New Roof

Signs that Your Home Needs a New Roof

If you notice these signs, then it’s time to repair or replace your roof.

While you probably have a long list of tasks you need to complete to prepare your home for winter, one of the most important is inspecting your roof.  Your roof works hard to protect your home from the elements, so make sure that it’s in good shape when winter rolls around.  Use this guide to help you decide if your roof needs repairs before winter hits.

Safety First

Before you begin your roof inspection, be aware that it does require you to use a ladder.  If you feel unsafe climbing up and down a ladder, then do not undertake this activity.  Additionally, you should avoid using a ladder if its windy or raining.  Finally, never use a ladder while you’re alone.  Make sure someone knows where you are and have them check on you occasionally.  Remember, safety is always the top priority, so don’t be afraid to ask for help if you need it.

Indoors

You should begin your roof inspection from inside your home.  Climb into your attic and use a flashlight to check for water damage.  Things to look for include discoloration, warped wood, and places where your roof is sagging.  Additionally, puddles and mold are also clear indications that your roof is leaking.  If you notice any of these issues, then contact a roofing professional to ask about repairing your roof.

Outdoors

If you didn’t notice any issues during your indoor inspection, this doesn’t necessarily mean that you’re in the clear.  Continue your inspection my checking your roof from the outside.  If you notice any damaged, loose, or missing roof shingles, then you need repairs.  Damaged or missing shingles leave your home exposed to the elements and should be addressed immediately.  Additionally, if you notice accumulations of fallen shingle granules or other signs of deterioration, you might want to get your roof checked by a professional.  When it comes to your roof, it’s always better to be safe than sorry.

Use this guide to help you decide if your roof needs repairs for the coming winter.  Another great way to prepare your home for the winter weather ahead is to make sure you have the right insurance protections in place.  To get your home the coverage it needs, contact the experts at Moser Group Inc. in New York.  Our team of insurance professionals is ready to get you covered today.

17 Oct 2017
Update Your Auto Insurance for Fall

Update Your Auto Insurance for Fall

Make sure your auto insurance is updated to protect against these risks.

Because of all the changes that occur during fall, it is a great time to review and update your auto insurance.  If you are not sure what risks you should be concerned about, then read on.  Here are some of the seasonal risks you should be protected against this fall.

Daylight Savings Time

While you might not consider daylight savings as a driving risk, the time change does pose a danger to drivers.  Because we lose and hour in the fall, the days get shorter and the nights longer.  This means that a commute that happened during the day in summer, may now be happening in the dark.  This reduced visibility often catches drivers by surprise and they may struggle to adjust their driving accordingly.  Because this can increase your chances for an accident this fall, it’s important that you have the right insurance protection in place.

Wet Weather

During the fall months, many places experience an increase in wet weather.  Wet driving conditions can make the roads slippery and difficult to maneuver safely.  Additionally, if you are driving in heavy rain, then you might experience reduced visibility.  Both of these issues increase your chances of getting into a car accident, so make sure you update your policy to protect against these risks.

Halloween Vandalism

Unfortunately for car owners, the chances of your car being vandalized actually doubles on Halloween night.  In fact, more auto insurance claims are filed on Halloween than on any other day of the year.  Common claims include smashed windows, slashed tires, scratched paint, and stolen vehicles.  The best way to protect your car from the risk of vandalism this Halloween is to make sure you have the updated coverage you need.

This fall, take the time to update your car insurance to protect against these risks.  To get the auto coverage you need, contact the professionals at Moser Group Inc. in New York.  Our team of experts is ready to get you covered today.

28 Sep 2017
Fall Driving Dangers

Fall Driving Dangers

Stay safe this fall by watching out for these seasonal driving hazards.

When temperatures drop and the kids get ready to start a new year of school, you know that autumn is finally here!  Though fall is beautiful with all its golden leaves and soft sunshine, the start of the season also means a fresh batch of driving dangers to watch out for.  Keep you and your family safe this autumn by keeping these driving hazards in mind.

Rain

The first few heavy rains of the season are particularly precarious.  Rainwater collects on top of accumulated oil and dust, making the streets slippery and difficult to maneuver.  Drivers should take care to reduce their speed and to avoid sudden, hard breaking when driving through the rain.

Leaves

While autumn’s falling leaves might be beautiful to look at, they also pose a serious risk for drivers.  Fallen leaves can make streets slick, obscure traffic markings, and even conceal road hazards such as potholes.  When driving in areas with damp leaves, give yourself more time to react to a potential hazard by leaving ample space between your car and the car in front of you.

Fog

Cooler fall temperatures frequently lead to more foggy mornings.  Fog can affect your visibility and can make it difficult to judge distances.  If faced with heavy fog, use your car’s low beams rather than its high beams.  High beams can reflect off of fog, creating glare and reducing visibility to an even greater degree.

Increased Traffic

The return of fall means it’s back to school for the kids, and drivers should be aware of increased vehicle and pedestrian traffic.  It is particularly important to be vigilant near bus stops and in areas close to schools.

Stay safe this fall and contact Moser Group Inc. for all your auto insurance needs in New York.