12 Jan 2017
Tips to Lower Your Risk for Slips & Falls On Commercial Property

Lower Your Risk for Slips & Falls on Your Commercial Property This Season with These Tips

Reduce your risk for slips and falls this winter.

Winter is here and along with it comes nasty winter weather. Snow and ice can pose serious safety hazards when it comes to your commercial property. Implement the necessary safety precautions so that you’re best able to keep your employees and customers safe. Check out what you need to know about these fall prevention tips for winter.

Create a Plan of Action.

It’s important to be prepared. Outline your policy and procedure for handling winter weather so that you’re ready when the time comes. Set parameters so that everyone is on the same page when it comes to salting walkways and laying out carpets at entrances.

Keep Track of the Weather.

The weather is unpredictable. However, when the weather changes quickly, it’s important that you’re ready. Regularly monitor the weather so that you can take action when the time comes. That way you increase your chances of keeping employees and visitors safe while on your property.

Record Prevention Activities.

Make it a standard practice to write down what measures were taken to prevent any accidents. Include the name of the individual that carried out the action as well as what action was performed along with the weather conditions, time, date, and any special notes. That way you can keep track of your prevention measures.

Be Mindful of Procedures.

When it comes to your precautionary measures, ensure that they’re done properly. Consider issues that may arise such as refreezing or snow piles that may obstruct walkways or visibility. That way you can increase safety on your commercial property.

When it comes to keeping your commercial property secure during the winter, ensure that you implement the right safety precautions. Invest in the right commercial liability insurance to keep your business safe all year long. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

05 Jan 2017
Checklist to Get the Right Home Insurance for Your New Home

Use This Checklist to Get the Right Home Insurance for Your New Home

Find the right home insurance for new homeowners.

As a new homeowner, there’s lots to get excited about. From decorating your new home to making memories and establishing roots in a community, owning a home comes with its fair share of wonderful things. However, when it comes to homeownership, it’s important that you have the tools that you need to choose the right insurance policy. Use this new homeowners checklist to help you find the right coverage for your home.

Survey the Area.

Natural disasters are unpredictable. However, you can pay attention to the geography near your home. For instance, if your home is located near a body of water, you may be at risk for floods. Take stock of the potential risks that could harm your home so that you can ensure that you have the necessary insurance protection.

Inspect Your Home.

When it comes to managing your home insurance, it’s important that you keep your home in great condition. Inspect your home for any issues so that you know what to keep an eye on. That way you know what areas of your home need a little extra attention so that you can make your home updates accordingly.

Consult with Your Agent.

When it comes to choosing the right policy, your insurance agent is a big help. They can provide you the information that you need so you can make an informed decision about your coverage. Review which areas of coverage that you need so that they can find the perfect policy. Plus, your agent can help you find plenty of discounts.

Choose the right home insurance policy for your new home. That way you can rest easy knowing that you’re well protected. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

29 Dec 2016
Insurance Resolutions to Get Ready for the New Year

Get Your Insurance Ready for the New Year with These Insurance Resolutions!

Improve your coverage with these insurance resolutions for the New Year!

It’s time to celebrate and ring in the New Year! However, along with all the fireworks and champagne, it’s a good time to get your insurance in order for the New Year. Ensure that you have the right coverage all year long. Check out these insurance resolutions to help you get what you need from your coverage.

Update Your Home Inventory.

In the event of a disaster, homeowners insurance is a necessary safeguard to protect the structure of your home and its contents. However, it’s important to regularly update your coverage. Not only must you update your limits when you remodel your home, but if you’ve purchased any new items this past year, it’s a good idea to update your home inventory. That way you’ll have an accurate account of what you own so that it can be replaced after a disaster.

Look at Your Policy’s Covered Perils.

When it comes to your home insurance policy, it’s important to look at your home’s covered perils. You may think that once you purchase homeowners insurance, you’re protected from any disasters that may affect your home, but that’s not necessarily the case. Often times disasters like flooding aren’t covered by your home insurance policies. Additionally, your coverage usually won’t overlap with other forms of coverage. For example, if you operate a home business, your homeowners insurance won’t give you the coverage that you need to cover any professional liabilities. Look at how your policy gives you coverage so that you can add on the right policy endorsements.

Ask About Discounts.

When it comes to saving, it never hurts to ask. Talk to your insurance agent about whether or not you qualify for any additional discounts. That way you can make the necessary adjustments to help you save on your coverage.

Get the right insurance coverage in the New Year. That way you can rest easy knowing that you’re protected. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

22 Dec 2016
Financial Check List to Get Your Business Ready for the New Year

Use This Financial Check List to Get Your Business Ready for the New Year

Get your business finances ready for the New Year with these tips. 

As 2016 ends, it’s time to look to the New Year ahead. Full of promise and opportunity, the coming year is the perfect time to achieve new business goals. However, before you continue to grow your business, it’s important that you have your finances in order. Check out what you need to know about getting your finances in check with this end of year checklist.

Look at Your Cash Flow.

One of the most important aspects of your business finances is cash flow. Without it, you’re left without any revenue to help build your business. Determine how much was brought in, how much was spent, and how it was allocated over time to get a better idea of how your business is doing financially. Look at investing activities, financial activities, and operating activities so that you know have a well-rounded view of your cash flow.

Reconcile Accounts.

At the end of the year, it’s important that you tie up loose ends. Make an effort to reconcile unpaid accounts. Collect on any outstanding bills so that you have more revenue for the coming year. Additionally, it can help make your taxes all the more easy come April.

Analyze Reports.

It’s a good time of year to run reports to see where you need to improve your business. Run reports to look at cash flow, profit and loss statements, and a balance sheet so that you have what you need to determine where you need to make improvements or adjustments in your business finances.

When it comes to your business, get ready for the year ahead by getting your finances in order. Protect your business’s bottom line with the right commercial insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

15 Dec 2016
Winterization Tips to Get Your Car Ready for Winter

Check Out These Winterization Tips to Get Your Car Ready for Winter

Find out how to get your car ready for winter.

Winter is almost here, which means it’s time to get ready for winter weather. With freezing temperatures and snowy weather, it’s important that you’re prepared for the season ahead. When it comes to your safety on the road, ensure that you’re best prepared for winter. Check out these tips to help you get what you need.

Schedule Regular Maintenance.

When it comes to keeping your car in good condition, it’s important that you schedule regular maintenance. That way you can fix any issues before they get out of hand. Additionally, have your windshield wipers and headlights checked so that your vehicle can handle stormy weather.

Check Your Tires.

In wet, icy weather, it’s important that your tires have enough tread. Before you get settled into the winter months, have your tires checked. Ensure that they have the right air pressure and that there’s plenty of traction to grip the road all season long.

Keep the Gas Tank Half Full.

When it comes to driving in winter weather, it’s important that you always have enough gas to get from point A to point B. Additionally, if you get stranded, you’ll be able to run the engine to stay warm. Plus, a full tank of gas helps to keep your engine running well.

Be Prepared for Emergencies.

You never know what could happen on the road. Keep an emergency kit in your car so that you have access to the tools that you need. From flares, reflective triangles, and jumper cables to blankets, flashlights, and extra water, keep a kit full of the supplies that you need when stranded on the roadside.

Get your vehicle ready for winter so that you can stay safe on the roads. Check out these vehicle winterization tips and invest in the right auto insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

08 Dec 2016
How to Draft the Perfect Plan for Write a Business Plan Month

It’s Write a Business Plan Month! Check Out What You Need to Know About How to Draft the Perfect Plan

Learn how to make a business plan during Write a Business Plan Month.

As the year comes to an end, ensure that you’re ready for the year ahead. Prepare your business for anything that life throws your way during Write a Business Plan Month. It’s a great way to get all your ducks in a row so that you can start off the New Year on the right foot. Check out what you need to know about writing a business plan.

Executive Summary.

Your executive summary is a snapshot of your business practices. It represents the foundation upon which your company is built. It establishes what the business goals are from the get-go to clearly communicate what you intend to do.

Design & Development Plan.

The design and the development are key components to bringing a product to life. With design and development, you outline the design of a product along with how the product will be made and how it will be marketed. It’s the guideline to establish how a product will become an integral part of your business.

Market Strategies.

In order to sell a product, you need to market it to potential buyers. That’s where your market strategies come in. After plenty of research, a marketing strategy will develop that, as to maximize attention to the target market.

Competitive Analysis.

In order to help improve your business, you need to learn about the competition. When it comes to building your business plan, it’s important to factor your competitors into your plans. Consider how they conduct business so that you can learn from their mistakes and that you can improve upon their strategies.

Keep your business secure with a business plan and the right commercial insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

22 Nov 2016
Tips to Be Ready for Your Thanksgiving Road Trip

Be Ready for Your Thanksgiving Road Trip with These Tips

Road trip tips for your Thanksgiving holiday!

Thanksgiving is a time to spend with your loved ones. However, sometimes visiting your loved ones requires a bit of travel. When it comes to your Thanksgiving road trip, ensure that you’re prepared. Check out these road trip tips to help you get to your Thanksgiving destination.

Leave Early.

When traveling during the holidays, it’s important to leave plenty of time in your schedule. With unpredictable weather and lots of traffic, delays are inevitable. When you leave early, you have plenty of time to get to your destination. That way you have less reason to stress, making your journey more enjoyable.

Pack a Day Bag.

When you have a long drive ahead, it’s important that you pack the right resources. Whether you get hungry for a snack or you’re bored and need entertainment, ensure that you’re prepared. Pack plenty of healthy snacks as well as water for your journey. Additionally, bring plenty of ways to entertain yourself and your passengers. Make a playlist in advance and enjoy the ride.

Keep Emergency Supplies on Hand.

While you hope to never need roadside assistance, sometimes it can’t be helped. Keep a few supplies such as a headlamp, tools, jumper cables, and tire jack in your trunk so that you can easily access your supplies if needed. Additionally, keep supplies such as a first aid kit, flashlights, and extra blankets handy in case you’re stuck on the road for a while.

Enjoy your Thanksgiving holiday with your loved ones. Get to your destination safely and protect your vehicle with the right auto insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

17 Nov 2016
Tips to Update Your Professional Liability Insurance

Update Your Professional Liability Insurance with These Tips!

Find out how you need to update your professional liability insurance updates.

As a business owner, you’re well aware of all the disasters that threaten your business. From natural disasters like hurricanes or blizzards to legal disasters that result in lengthy court cases, it’s important to be prepared with the right insurance. However, despite covering the basics, you often need supplemental coverage. Keep your business well protected with the right professional liability insurance. Already have a policy? Learn how to update your coverage so that your business stays safe and secure.

Reviewing Your Coverage.

Every year, it’s important to check up on your insurance coverage. That way you can adjust your policy limits to best fit your ever-changing business needs. Meet with your insurance agent to help you evaluate how much professional liability coverage you need so that you can update your policy accordingly.

Hiring New Employees.

Whether you’ve hired new employees or you’ve downsized a bit, it’s important that you have the necessary coverage. Look into adding more coverage when you hire new employees or how to lessen your coverage if your company has let a few people go. That way you have the right amount of coverage for your business needs.

Talk with Your Contractors.

When it comes to your professional liability policy, you’re only covered for your employees. If you’ve hired an independent contractor, you don’t have coverage to protect yourself. Before agreeing to bring on a contractor or subcontractor, ensure that they’ve purchased their own professional liability coverage so that you can rest easy knowing that everyone has adequate coverage.

When it comes to your business, get the commercial insurance coverage that you need and update your professional liability coverage. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

15 Nov 2016
Home Maintenance Tips to Avoid Major Issues

Take Good Care of Your Home to Avoid Major Issues with These Maintenance Tips

Avoid major home issues by using these home maintenance tips.

When it comes to your home, it’s important to stay up on your home maintenance. Without the proper care, your home is vulnerable to disaster. From plumbing leaks to house fires, avoid costly disasters with the right home upkeep. Check out what you need to know about how to keep these common home issues in check so that you can keep your home well protected.

Plumbing.

We often don’t think much about our home’s plumbing, until something goes wrong. However, routine maintenance can help you to prevent any serious issues. Every so often, conduct an inspection of your home’s plumbing. Check for any leaks, keep an eye out for any rusty water, and listen for any loud noises coming from the pipes. These may be signs of serious plumbing issues. If you catch it early, a professional can come and fix it before it becomes disastrous.

Electrical Wiring.

In older homes, it’s especially important to wary of your home’s wiring. Older wiring without the necessary ground-fault circuit interrupters (GFCU), can pose a serious fire hazard. Update any old wiring and remember to be kind to your outlets. Never overload any outlet and be mindful of your circuit breaker.

Drainage.

As winter approaches, so does wet weather. It’s important that you keep your home’s gutters and drains clear so that water flows away from your home. Otherwise, you could be left with serious water damage. Clean out your home’s gutters and remove any debris from around your home’s storm drains.

Keep up on your home maintenance so that you can prevent disaster. Invest in the right homeowners insurance so that you can protect your home. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

10 Nov 2016
Tips to Help Your Business Thrive on Small Business Saturday 2016

Check Out These Tips to Help Your Business Thrive on Small Business Saturday!

Participate in Small Business Saturday with these tips!

Thanksgiving is all about spending time with your loved ones. You gather around the holiday table and share a festive meal. Immediately following Thanksgiving, you jump into shopping mode. It’s the best time to start getting all your holiday gifts in order. However, while Black Friday gets lots of attention, don’t forget about Small Business Saturday on November 26, 2016. Help support community business and foster your local economy and shop small. As a small business, check out what you need to know about participating in Small Business Saturday.

Market for the Holidays.

As Thanksgiving comes to an end, consumers start to think about gift giving for the holidays. Take advantage of the holidays and incorporate it into your Small Business Saturday marketing plan. Create special offers for the occasion, and encourage customers to sign up to be on your business’s mailing list.

Increase Cyber Security.

Your customers don’t have to shop in-store to participate in Small Business Saturday. Offering a wide range of online options can help to boost your sales. However, it’s important that you’re wary of your online security. Boost your cyber security to help lessen the risk of a security breach and increase trust from your customers.

Boost Your Online Presence.

We live in a digital world. It’s important that you put your business online. Ensure that you make the investment and build your online presence. Keep your website up to date with a mobile-friendly option. Plus, consider a social media campaign to get your name out along with your Small Business Saturday promotions.

As a business participating in Small Business Saturday on November 26, 2016, ensure that you’re well protected with the right commercial insurance coverage. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.