General Articles Archives - Page 3 of 3

30 Jun 2016

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Check Out These Tips to Make Your Life Feel More Like A Vacation

Make life feel like more of a vacation with these easy tips!

Vacations are exciting. They’re a way to relax, experience new things, and give yourself a new perspective on life. You’re happy and relaxed on a vacation. However, at one point or another it’s time to come home. Rather than going back to your ordinary routine, strive to make your everyday life more of a vacation. Check out these ways that you can incorporate the joys of travels into your lifestyle.

Make Time for a Break.

Find distance in your breaks so that you can enjoy them. When you’re preoccupied with other thoughts and worries, your break isn’t really a break. You’re prolonging your worry, making you more stressed than you need to be. Learn to take time to relax. Try spending time in nature, socialize with friends, or ditch the technology. That way you’ll feel more refreshed and relaxed.

Be Mindful.

Far too often we’re worrying about the future, or we’re dwelling on the past, but we don’t ever really spend time in the present moment. Make it a practice to clear your mind and be mindful of what’s happening around you. Focus on a single task at hand or simply sit and focus on your breathing. You’ll be better able to relax and unwind and enjoy living in the moment.

Embrace Spontaneity.

Our everyday life is set on a schedule. You wake up, go to work, and repeat. Break up the monotony of your routine and do something spontaneous. Take a day off to be a tourist in your own town or stop in at a local restaurant and order something new. When you travel, you’re more likely to do things out of your comfort zone, bring that sense of adventure to your everyday routine.

Stay worry-free with the right insurance policies. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff help you meet all your personal and commercial insurance needs.

23 Jun 2016

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Protect Your Home While You’re Away with These Anti-Burglary Tips

Keep your home safe while you’re on vacation with these tips.

Vacation season is here. With beautiful weather and time off from school, it’s the perfect time to take a vacation. As you’re packing your bags and putting the finishing touches on your getaway, don’t forget to take precautions to secure your home. Your home is at a greater risk for burglaries when you’re out of town. Protect your home while you’re away with these home safety tips.

Turn the lights on. A well-lit home tells burglars that someone is home. Set your lights on a timer so that they’ll go on and off, even when you’re not home.
Make friends with the neighbors. It’s good to have neighbors that you can count on when you’re away. From keeping an eye on your home to picking up your mail, ask your neighbors to help you out while you’re away.
Be wary of your newspapers and mail. A driveway full of papers and a mailbox full of letters, are tell-tale signs that you’re out of town. Have your mail taken care of while you’re away to reduce your chances of a burglary.
Avoid posting on social media. Posting your travel plans on social media can alert burglars that your home is empty. Hold off on posting on social media until you return from your trip.
Double check that all the doors are locked. It may seem like common sense to lock up, but with all the stress of preparing for a trip, it can be overlooked. Walk through your home before you leave so that you know that everything is ready to go.

When it comes to keeping your home safe while you’re on vacation, take precautions to protect your home and invest in homeowners insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff help you meet all your personal and commercial insurance needs.

16 Jun 2016

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Serve This Delicious Pasta Salad for All Your Summertime Get-Togethers!

Check out this recipe for summertime pasta salad!

Summer time is almost here! Get ready for your summer entertaining with this pasta salad recipe. It’s perfect for your backyard get-togethers. With lots of fresh vegetables and a delicious parmesan vinaigrette, this summer salad is sure not to disappoint. Check out how to make this delicious dish. Here’s what you’ll need to get started.

Salad Ingredients:

2 cups baby heirloom tomatoes

2 small zucchini

1 small red bell pepper

1 cup fresh corn kernels

1 cup diced peaches

1/2 cup green onions

1 package penne pasta

2 cups shredded chicken

1/3 cup torn fresh basil

1/3 cup torn fresh cilantro

Vinaigrette Ingredients:

3 tablespoons grated Parmesan

2 tablespoons red wine vinegar

1 clove garlic, minced

1/3 cup extra-virgin olive oil

Kosher salt and freshly ground pepper

Start by preparing the food. Cook the chicken and the pasta. While those items are cooking, prepare the vegetables. Cut the baby heirloom tomatoes into halves, slice the zucchini into crescents, and thinly slice the bell pepper and green onions.

Once the chicken and the pasta are ready, combine all the vegetables, pasta, and chicken in a large bowl. Mix all the ingredients together and set the bowl aside.

In a small bowl make the dressing. Combine the Parmesan, vinegar, garlic, and whisk until thoroughly mixed. Next add in the oil and whisk again. Season with salt and pepper and add to the salad.

Toss the salad and garnish with basil and cilantro. Serve and enjoy a meal with your friends and family.

Enjoy your get-togethers knowing that your home is well protected with the right homeowners insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff help you meet all your personal and commercial insurance needs.

09 Jun 2016

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Find Out How to Save on Your Business Insurance Costs

Learn how to save on your business insurance costs.

Protecting your business is one of the smartest moves you can make as a business owner. However, with all the different types of insurance, getting the coverage you need can be expensive. Check out these ways to save on your business insurance costs.

Bundling.

Chances are you likely need more than one policy to safeguard your business. Rather than taking out two separate policies at two different institutions, buy all your policies from the same insurer. Since your bringing more business to the company, you may qualify for a discount. Just remember to crunch all the numbers before making the switch.

Increasing Your Deductible.

Insurance is a safeguard to protect you in case something happens. However, most of us aren’t regularly filing a claim with our insurance companies. That means we pay more for peace of mind. However, if you’re comfortable with paying a higher deductible, you could save on your monthly insurance premium. Just keep in mind if you do need to file a claim, you will have to pay more before your policy takes effect.

Take Preventative Measures.

Reduce your risk of having an accident by implementing safety practices in your workplace. Create a business continuity plan, be prepared for disasters, and keep up on your building maintenance. When you have a lower risk of experiencing damage, you avoid expensive losses.

Conduct an Annual Review.

Meet with your insurance agent regularly. Review your coverage at least annually so that you can verify that you still have the coverage that you need. Talk about what’s essential and whether or not you can tweak your policy. Your agent might just be able to help you find ways to save.

Reduce your business insurance costs with help from the right agency. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff help you meet all your personal and commercial insurance needs.

26 May 2016

Archive, General Articles, LIfestyle, Uncategorized mosergroup 0 comment

Having a Memorial Day Barbecue? Stay Safe with These Grilling Safety Tips

Here are some grilling safety tips so that you can enjoy your Memorial Day barbecue!

Memorial Day is coming up. Enjoy the long weekend with a festive barbecue. But, before you start grilling, brush up on your grilling safety. Barbecues can be extremely dangerous. In fact, they account for thousands of insurance every year. Stay safe and find out how to avoid any grilling accidents.

Don’t grill indoors. Barbecues can release toxic chemical gases into the air. When you grill indoors or in poorly ventilated spaces, you increase your risk of disaster. Avoid carbon monoxide poisoning and always grill outside.
Keep the barbecue away from anything flammable. Your home, your patio furniture, your garage, and your vegetation are all flammable materials. Move your barbecue so that it’s at least ten feet away from flammable items.
Grease is not your friend. When you grill meat on a barbecue, it drips fat and grease which builds up and can lead to a fire. Don’t put too many items on the grill and clean the grill before and after each use to reduce your risk of starting a grease fire.
Stay near the barbecue while it’s in use. Leaving the grill unattended is extremely dangerous. It only takes a few seconds for a fire to break out. And it’s important to keep curious kids and pets away from the barbecue.
Keep a fire extinguisher handy. If the flames do get out of hand, a fire extinguish can be a big help. However, at the first sight of flames, call the fire department and safely evacuate the area to prevent any injuries.

Keep your backyard barbecue safe from any grilling disasters. For added peace of mind, protect your home from fire damage with homeowners insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff help you meet all your personal and commercial insurance needs.

19 May 2016

Archive, General Articles, Personal Insurance, Uncategorized mosergroup 0 comment

Find Out How to Drive Safely to Save on Your Auto Insurance Premium

Learn how to drive safely so you can qualify for a good driver discount.

Different policies offer different discounts. Lower risk means that you’ll save more money. When it comes to your auto insurance policies, you’re likely going to save on your policy if you’re a safe driver. Safe driver discounts vary based on your insurance carrier, but they generally are offered if you avoid at-fault accidents and a clean driving record. Check out these ways that you can improve your driving to help you qualify for a good driver discount.

Abide by the Speed Limit.

The speed limit exists for a reason. The speed limit helps to keep you safe on the road. In fact, speeding is a top cause of traffic accidents. The more you speed, the more you risk an accident and a traffic ticket. Slow down and follow the speed limit.

Eliminate Distractions.

Put your phone away and turn down the music. Distracted driving is dangerous driving. Focus on driving and wait to eat, apply makeup, send a text message, or anything else.

Pull Over when Sleepy.

Drowsy driving is extremely dangerous. You’re more likely to drift when you drive sleepy which increases your risk for an accident. Get plenty of sleep and get off the road if you’re feeling sleepy.

Keep a Safe Distance.

Not only is tailgating annoying to other drivers, but it’s dangerous. When you follow too closely behind another car, you significantly increase your risk of an accident. If the car in front of you comes to a sudden stop, you could wind up kissing their bumper. Keep at least two cars’ worth of distance between you and the vehicle in front of you.

Drive Defensively.

Watch for others while on the road. While you can’t control other drivers on the road, you can control how you react to close calls. Be aware of your surroundings and curb any aggressive driving.

Maintain your Vehicle.

A well-maintained vehicle is a safer car. You’re less likely to encounter any mechanical issues while on the road. Go for regular tune ups, check your tires frequently, and keep your car well oiled. If you notice any issues with your car, bring it to a mechanic to have it checked out.

Save on your auto insurance and strive to be a good driver. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff help you meet all your personal and commercial insurance needs.

12 May 2016

Archive, Commercial Insurance, General Articles, Uncategorized mosergroup 0 comment

How to Safeguard Your Business From Multi-Million-Dollar Lawsuits

Protect your business from costly lawsuits with commercial liability insurance!

Lawsuits have become a part of American culture. They’ve become an everyday occurrence. However, a lawsuit can be detrimental to the survival of your business. From legal fees to medical bills to settlements, lawsuit expenses can add up. That’s where commercial liability insurance comes in. Protect your small business with the liability insurance and check out these common business lawsuits.

Discrimination.

Federal law prohibits employers to discriminate against their employees, or anyone with whom they conduct business. In terms of employee discrimination an employer mustn’t discriminate, harass, retaliate, or wrongfully terminate an employee due to a person’s characteristic such as gender, race, religion, age, disability or any other defining characteristic. Additionally, businesses may not discriminate against anyone that the company conducts business with, from vendors to customers to suppliers. Stress the importance of discrimination avoidance to reduce your risk of a lawsuit.

Wage Violations.

It’s important to pay a fair wage to your employees. Federal law, state law, and local law, all weigh in on how you’re required to pay your employees. Avoid any wage law issues and read up on your local laws so that your employees are paid fairly.

Breach of Contract.

Contracts outline an agreement between parties. Once you sign a contract, they’re legally binding agreements. If you fail to meet the terms of the contract, then you could be at risk for a lawsuit. It’s important to stick to your business agreements. If a problem arises, seek legal advice and avoid a breach of contracts. Keep in mind that your liability insurance generally won’t cover lawsuits pertaining to breach of contracts.

Get the commercial liability insurance that you need to protect your business. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff help you meet all your personal and commercial insurance needs.

05 May 2016

Archive, General Articles, LIfestyle, Uncategorized mosergroup 0 comment

Don’t Know How to Spend Your Tax Refund? Learn How to Use it Wisely

Check out these suggestions on how to use your tax refund.

The April tax season is over! You can rest easy knowing that you’re free from W-2s and 1099s for another year. Best of all, your tax refunds should be on their way. If you still haven’t decided how to use your extra cash, we have you covered. Check out these smart ways to use your tax refund.

Pay Off Your Debts.

From credit card bills to mortgage payments, you likely have a few payments to catch up on. Alleviate some of your debts and use your tax refund to pay off a bill or two. It’s a great way to use your extra money wisely.

Save it for a Rainy Day.

You never know what the future holds. Unforeseen expenses can be stressful, but having a savings account with emergency cash can be a lifesaver. Put your tax refund into a savings account and start saving. You’ll feel good knowing that you have something to fall back on if you need it.

Travel.

While spending your refund on travel may seem a little frivolous, travel is an excellent way to spend your resources. Traveling to new places opens your eyes to new cultures and peoples and helps to broaden your perspective of the world.

Put it Toward Your Education.

Investing in yourself is one of the best investments you can make. Boost your knowledge and increase your marketability. Whether you’re looking to improve your skill set, learn a new language, or just have fun and learn something new.

Further, invest your tax refund and purchase the right insurance. Protect your loved ones with life insurance or protect your home with homeowners insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff help you meet all your personal and commercial insurance needs.

09 Dec 2015

General Articles wpengine 0 comment

Welcome to Our New Website & Blog!

Moser Group would like to extend a warm welcome to our new website and blog! Through our newly revamped website and blog, our team will update you on the latest news within the insurance industry while also offering regular lifestyle tips.
Our blog will be your first stop for not only the latest information but also community events in New York City and surrounding areas in NY. We encourage you to browse through our new innovative website to see all that we have to offer.
We are always available to guide you through the insurance shopping process for all of your NY insurance needs. We work to serve the best interests of you, your family, and your business.

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