27 Oct 2016
Halloween Safety Tips for Your Kids and Your Home

Halloween Safety Tips for Your Kids and Your Home So That Your Night of Trick-Or-Treating Runs Smoothly

When it comes to your Halloween safety, don’t forget to check out these tips.

Halloween is almost here! It’s time to put the finishing touches on your decorations, get your kids dressed in their costumes, and buy any last minute candy as you anticipate trick-or-treaters. However, as you get caught up in all the excitement, don’t forget to think about safety. From ensuring that your kids are safe to protecting your home, there are lots of safety concerns around Halloween. Take precautions so that your Halloween runs smoothly. Check out these Halloween safety tips.

Trick-or-Treating Safety:

  • Keep your child’s safety in mind when looking for a Halloween costume. Choose a costume that can be hemmed above the ankle to avoid any tripping. Additionally, choose a costume that can easily be seen in the dark. That way you’re better able to keep any eye on your children and their risk of getting hit lowers.
  • Remind your children of stranger danger. Ensure that they know never to enter the home of a stranger while trick or treating for any reason.
  • Check your child’s candy. Toss out any open wrapper homemade pieces so that you can ensure the safety of your kids.

Home Safety:

  • Ensure your home is well lit. Keeping your home well-lit isn’t just a sign that someone is home, but it helps to keep all your guests and trick-or-treaters safe from tripping hazards as they make their way to your front door.
  • Be wary of fire danger. While candles can add to your Halloween décor, it’s important that you’re wary of fire danger. Get rid of any candles and replace them with LED candles. Additionally, keep a fire extinguisher on hand, and don’t overload any outlets. They increase your risk for a fire.

Have a Happy Halloween! Protect your home from any Halloween dangers or any other threats year round with the right homeowners 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.

20 Oct 2016
Avoid These Fall Driving Hazards to Drive Safely

Drive Safely This Season and Avoid These Fall Driving Hazards

Look out for these fall driving dangers!

Driving is a dangerous business. However, each season brings different dangers. When it comes to your safety on the road this fall, use extra caution. From more traffic to wet weather, fall driving hazards expose you to extra danger. Check out these driving safety tips to be wary of so that you can be prepared and stay safe on the road.

Wet Weather.

As the temperatures cool and winter approaches, be prepared for more wet weather. Roads get slippery when wet, especially when it first starts raining since the water mixes with motor oil. Be careful when driving in the rain. Remember that it takes longer to stop so drive slowly and leave plenty of room to stop in between your car and the car in front of you. That way you can reduce your risk for an accident.

Leaf Litter.

Along with the cooler temperatures that fall brings come the changing of the leaves. As the trees in your neighborhood prepare for winter, remember to be wary of leaf litter. Too much leaf debris in the street can obstruct traffic lines, and they can make the roads slippery. Use caution when driving near leaves.

Wildlife.

Even in more urban areas, you may notice a few woodland creatures out and about this time of year. Fall is deer mating season. When it comes to your vehicle, even a small run-in with wildlife can be detrimental to your car as well as your psyche. Use caution when driving on the road, especially in wooded areas. Be aware of your surroundings so that you’re able to avoid an accident.

When it comes to your safety on the road this fall, invest in the right auto insurance. That way you’re protected for whatever comes your way all season 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 insurance needs.

13 Oct 2016
Cyber Security Tips to Keep Your Business Well Protected

Cyber Security Tips to Keep Your Business Well Protected from Cyber Threats

Protect your business from cyber threats with these cyber security tips.  

As the world becomes increasingly digital, so does your business. Using technology in your business practices can be immensely beneficial. However, using so much technology comes with its fair share of risk. With so much sensitive data, it’s imperative that you keep it well protected. Minimize your risk for a cyber disaster, and check out these cyber security tips.

Make Frequent Updates.

When it comes to your protection systems, it’s imperative that you have the most up to date versions. As your firewall, anti-spyware, and anti-malware software find new ways to protect you, threats also evolve and find new ways to attack you. For the best, most secure protection, you need to update your software regularly.

Change Your Passwords Regularly.

Your passwords help to keep you safe. However, passwords can be broken. When it comes to your passwords, ensure that they’re varied and that you change them every three months. No account should have the same password. Additionally, it’s imperative that you create a strong password with plenty of special characters, a combination of uppercase and lowercase letters, and numbers. That way it’s harder to hack, and your passwords will be more secure.

Toss Old Information.

The longer you hold on to sensitive information like client payment information or old employee tax records, the more risk you have of leaking confidential information. Don’t expose your business to unnecessary cyber liability. Review which items that you need to keep and which ones you can toss. Get rid of the ones that you can eliminate so that you can help reduce your risk for a data breach.

Keep your business safe from a cyber disaster with the right cyber liability insurance and these tips to reduce your risk. 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 insurance needs.

06 Oct 2016
Preventative Medicine for National Breast Cancer Awareness Month

Learn About Preventative Medicine During National Breast Cancer Awareness Month

Take action when it comes to your health for National Breast Cancer Awareness Month!

When it comes to your body, it’s imperative that you take all the necessary precautions to stay healthy. October is Breast Cancer Awareness Month. Use the opportunity to learn about staying up on your health and check out what you need to know about breast cancer so that you’re ready to join the fight against cancer.

All About Breast Cancer.

Cancer is a debilitating disease in any form. Breast cancer is the abnormal growth of malicious breast tissue. This tissue continues to grow, developing tumors, and can spread throughout the body.

Know the Facts.

Breast cancer is one of the leading threats to women’s health. One in eight women will develop breast cancer over the course of her lifetime. Each year in the US, more than 200,000 women are diagnosed. The disease primarily affects older women, but it can affect younger women, as well as men. Breast cancer is a disease that affects everyone.

Preventative Measures. 

While there’s no way to eliminate your risks, it’s important that you take steps to reduce them. Eat a well balanced healthy diet, along with participating in regular exercise. Additionally, reduce your exposure to carcinogens and eliminate any unnecessary exposure to radiation. While leading a healthy lifestyle is important, it’s equally important to get screened for breast cancer regularly. Talk to your doctor about the best plan of action for your health. From mammograms to self-exams, the earlier you catch the disease, the better chance you have of beating the disease.

Your health is important. Make your health a priority, and keep your family safe and secure with the right 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 insurance needs.

29 Sep 2016
Fall Home Maintenance Tips so That You're Ready for the Weather

Fall is Here! Check Out These Home Maintenance Tips so That You’re Ready for the Weather to Come

Keep your home secure for the weather to come with these fall home maintenance tips.

As the leaves begin to change, and the temperatures start to drop, you get ready for the start of a new season. Fall is here, and it’s time to prepare your home so that you’re ready for the cooler weather. Check out these fall home maintenance tips to help you get ready.

Roof Inspection.

It’s important that your roof is in great shape for the winter weather to come. Start your inspection process early so that you can make any necessary repairs in time for winter. Have any loose, broken, or damaged shingles repaired so that you can prevent nasty water damage in your home.

Tend to your Gutters.

When it comes to winter storms, it’s imperative that your drainage systems are working properly. Clean out your gutters and ensure that they’re securely fastened to your home. That way you can reduce your risk for water damage or ice dams come winter.

Trim your Trees.

All it takes is one storm to knock over your home’s trees to cause a significant amount of damage. Take action to prevent any tree related damages and have your trees trimmed this fall. Look out for any signs of rot and have any low hanging branches removed from around your home. That way you can prevent any disasters.

Seal Gaps.

With age, your windows and doors start to develop small gaps around them. While they may not seem like a big deal, they can affect the temperature of your home, costing you big time when it comes to your heating and energy bill. Before the temperatures get too low this season. Take stock of your home’s gaps and seal them if necessary.

Get your home ready for fall. Keep up on your home maintenance and protect your home with the right homeowner’s 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 insurance needs.

22 Sep 2016
Get Enough Workers' Compensation Coverage for Your Business

Do You Know Your Risk? Get Enough Workers’ Compensation Coverage for Your Business

Learn how to determine how much workers’ compensation coverage you need.

Workplace accidents aren’t uncommon. From a slippery floor to carpal tunnel, there are lots of ways in which workplace injuries are developed.  Don’t let your office be vulnerable to injuries. Take the necessary precautions and invest in workers’ compensation insurance. However, in order to give your business and your employees the right protection, you need to determine, how much coverage that you need. Learn how to evaluate your workers’ compensation risk so that you can get adequate coverage.

Don’t Discount Your Risks.

When you think of workplace injuries, you generally think of jobs that require heavy lifting. You think of warehouse workers to construction workers. However, workplace injuries can happen to anyone and everyone. From back pain and carpal tunnel to tripping over an extension cord, there are lots of ways in which you can get hurt on any job. Don’t underestimate your business. Take into account all the possibilities so that you don’t skimp on coverage.

Workers’ Compensation Class.               

Insurance is largely based on risk. While every industry has its risks, some aren’t as risky as others. For example, a construction worker has a greater risk than a marketing executive when it comes to getting hurt on the job. Insurance agencies take these risks into account when helping you determine how much coverage your business needs. Insurance agencies have predetermined policies that give you certain coverages based on your industry risks. Check your company’s workers’ compensation class codes so that you can rest easy knowing that you have the right coverage.

Even with all your precautionary policies and procedures, workers’ compensation insurance is a must. Get the coverage that you need so 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 insurance needs.

15 Sep 2016
Football Tailgate Safety Tips to Ensure Game Day Fun

Football Tailgate: Ensure Game Day Goes Off Without a Hitch with these Safety Tips

Have a ball at your football tailgate with these safety tips!  

Football is back, and it’s time to watch your favorite team in action. As you get ready to pack up the car and head off to your tailgate, bear in mind these safety tips. That way you can ensure that you have a good time without any unfortunate mishaps. Here’s what you need to know about tailgating safely.

Be Wary of Food Temperatures.

Grilled meats, whether they be burgers or hot dogs, are a tailgate staple. However, without a refrigerator, you must be careful about storing the meats. Ensure that you pack a cooler with plenty of ice so that you can keep the meats cold. If it starts to get too warm or if the meat has been out to long, play it safe and toss it out. That way you won’t risk any nasty food poisoning as you try to watch the game.

Exercise Caution Around the Grill.

When you tailgate, you’re usually in a confined space. With dangers of kids running about and corn hole being played, it can be hard to ensure a safe perimeter around the grill. Use extreme caution when grilling. Be vigilant, keep little ones away from the grill, and have a fire extinguisher on hand. That way you can take control of a dangerous situations.

Have Fun Responsibly.         

It’s inevitable to avoid alcohol at a football game. However, you don’t have to drink it. Bring plenty of alternative non-alcoholic drinks, and be vigilant of those around you, especially when driving. You never know who may be driving under the influence. Should you choose to drink while at the game, ensure that you do so responsibly. Don’t over do it, balance every drink with an equal amount of water, and always designate a driver, so that everyone can get home safely.

Enjoy your tailgate with all your family and friends. Keep your loved ones safe and secure with the right 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 insurance needs.

08 Sep 2016
Avoid these Common DIY Auto Repair Mistakes

Keep Your Car Repairs from Disaster! Avoid these Common DIY Auto Repair Mistakes

Learn how to avoid these common DIY mistakes. 

Fixing your vehicle on your own has its benefits. Not only do you feel accomplished, but you save quite a bit of money when you skip a trip to the mechanic. However, despite all the benefits, it’s important to use caution when repairing your car. Put your safety first and avoid these common DIY car repair mistakes.

Mistake: Not exercising the utmost care.

It’s important to be careful when fixing your car. If you make a mistake, it could lead to serious damage to yourself or others. When you work on your car, ensure that you take the time and the care to go through all the proper steps so that you avoid any roadside disasters.

Mistake: Forgetting to plan ahead.

Different cars have different parts. When it comes to your vehicle, you need to ensure that you have the right tools before you get started. Don’t wait until the last minute, only to realize you don’t have a triple square. Scope out your vehicle before you get started so that you can prepare all the tools you’ll need.

Mistake: Ignoring the owner’s manual.

When you ignore the advice of your vehicle’s owner’s manual, you put your safety at risk. Before you start to work on your vehicle, check to ensure that your plan abides by the manual’s recommendation.

Mistake: Buying cheap parts.

Just because you find the best deal, doesn’t mean that it’s the best option. Don’t sacrifice quality for price. Get the part that’s going to function the best and last the longest.

When it comes to your safety, remember to use caution when repairing your vehicle. Ensure that you’re as safe as can be on the road 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 insurance needs.

25 Aug 2016
Insurance Coverage That You Need for Your Swimming Pool

Get the Insurance Coverage That You Need for Your Swimming Pool

Keep your property safe and invest in pool insurance.

Whether you already have a swimming pool, or if you’re thinking about installing one, there are a few things that you should know. In addition to figuring out what type of filter to buy and what pool accessories to invest in, you must first think about pool insurance. Despite their appeal, pools are considered to be “attractive nuisances.” Owning a pool comes with its fair share of liability. Protect your home and check out what you need to know about pool insurance.

Liability Coverage:

Your pool increases your liability risk. Should someone have an accident in or around your pool, with or without your permission, you can be found liable for the damage. Because of the higher risk of liability, your regular liability coverage may not give you a high enough limit. Invest in supplemental pool coverage so that you’re better able to get the coverage that you need. With a pool, it’s recommended that you have as much as $500,000 in liability coverage.

In-Ground vs. Above-Ground Pools:

Whether your pool is above-ground or in-ground, your homeowners insurance has several ways of looking at your pool. In-ground pools are often considered an extraneous structure, which is then covered under your homeowners insurance policy. However, not every insurer will consider it as such a structure. In those cases, you’re left without the coverage that you need. Plus, most policies charge you more for extraneous coverage. Above ground pools, on the other hand, are considered to be personal property since they originally came from a box. However, in either case, it’s a good idea to supplement your coverage with pool insurance so that you can rest easy knowing that your pool is well covered.

Keep your home as secure as can be and protect your property with pool 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 insurance needs.

18 Aug 2016
Determine Your Business Interruption Insurance Coverage Needs

Find Out How to Determine Your Business Interruption Insurance Coverage Needs

Learn how to evaluate your business interruption coverage.

When disaster strikes, it can be detrimental to your business. Damage left behind can force your company to close its doors temporarily. However, a temporary closure packs a bigger punch when it comes to your small business. Protect your business from harm and invest in business interruption insurance. Learn what you should consider as you get ready to invest in a policy.

Industry Needs:

When considering whether or not to purchase business interruption insurance, think about your industry demands. Since every industry is different, you have different coverage needs. For example, a tech company may require more cyber support while a clothing store may need more coverage for your merchandise. Evaluate what type of insurance your business needs so that you can supply it with the right coverage.

Coverage Limits:

In addition to determining what type of insurance you need, you also need to figure out how much coverage that you need. Evaluate how long it would take your business to get back on its feet and adjust your coverage accordingly.

Financial Situation:

Your business interruption insurance is intended to keep your business afloat after a disaster. You need to evaluate your total business expenses when it comes to figuring out how much coverage you need. Look at your regular operating costs and factor in expenses to rebuild your business from the ground up. That way you can rest easy knowing that your business is well protected.

Protect your business with the right business interruption 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 insurance needs.