25 Jan 2018
How to Get the Most Out of Your Brakes

How to Get the Most Out of Your Brakes

Try out these tips to help extend the lifetime of your car’s brakes.

While there’s no hard rule regarding how often you should change your car’s brakes, it’s possible that you are replacing them too frequently.  If you feel like you have to replace your brakes too often, then there are things you can do to improve their longevity and functionality.  Tyr out these tips to make your brakes last longer.

  • Slow Down

The faster you are driving, the more pressure you place on your brakes when you hit them.  That’s why one of the easiest ways to make your brakes longer is by reducing your speed.  For example, when you know that you will have to stop soon, take your foot off your accelerator.  This will allow your car to slow down without having to hit your brakes.  When you do apply them, there will be far less strain on them.

  • Don’t Overuse Them

Many drivers have bad habits that place unnecessary strain on their brakes.  For instance, many drivers ride their brakes when they are going downhill or when they are trying to maintain a constant speed.  In fact, some drivers even brake at the same time they are trying to accelerate.  If you are guilty of any of these behaviors, then you are wearing down your brakes at a much faster rate.

  • Change Your Brake Fluid

As time passes, water can seep into your brake fluid.  This diluted brake fluid can cause your entire braking system to corrode.  This in turn can negatively affect your brakes functionality and longevity.  To prevent this issue from happening, you should change out your brake fluid every two years or so.  This simple maintenance task will help your brakes last longer and perform better.

Try out these tips to help your car’s brakes last longer.  Remember, another way to take care of your car is by getting it covered with comprehensive auto insurance.  To find the right policies to fit your needs, contact the team at Moser Group Inc. in New York.  Our knowledgeable professionals are ready to get you covered today.

18 Jan 2018
Hacks to Help You Foster Workplace Wellness

Hacks to Help You Foster Workplace Wellness

Try out these tips to help promote employee wellness at your business.

If you run a business, then you know that healthy, happy employees can be your business’s biggest assets.  However, how can you encourage your team to embrace healthier behaviors?  Here are some tips to help you promote employee wellness in your place of business.

Lead by Example

There’s no point in encouraging healthier behaviors when you live an unhealthy lifestyle.  If you want to persuade your employees, then you have to prove to them that you are also invested in being healthier.  This means making an effort to eat better, get exercise, and sleep well on a regular basis.

Stock Up on Healthy Snacks

When you get caught up in work, you just want to grab whatever is fastest and easiest.  Unfortunately, this means that your employees often rely on vending machines and nearby fast food places for lunch.  The best way to encourage your employees to eat better is by stocking up on healthy snacks and beverages.  Having fresh fruit and veggies on hand will make your employees more likely to reach for a nutritious snack.

Make it a Competition

One of the best ways to motivate your employees to take their health seriously is by turning it into a contest.  Create teams of employees and challenge the teams to lose the most weight collectively.  As extra incentive, offer prizes for the winning team members such as extra days off or extra long lunch breaks.  Once you offer incentive, you’ll find that your employees are much more willing to be healthier.

Try out these tips to encourage workplace wellness.  Want another way to care for your employees?  Then make sure you have them covered by the right commercial insurance.  To find the right policies to meet your needs, look to the experts at Moser Group Inc.  Located in New York, we are eager to assist with all your insurance needs.  Contact us to get started today.

11 Jan 2018
Learn These Water Heater Maintenance Tasks

Learn These Water Heater Maintenance Tasks

Learn how to take care of your home’s water heater.

There’s nothing worse than having to take a cold shower in the dead of winter.  However, this could be your reality if you fail to take care of your water heater.  But what exactly does water heater maintenance entail?  Here are some tips that you should know to properly maintain your water heater.

Know Where It Is

While this may seem obvious, many homeowners don’t actually know where their water heater is.  Normally, the water heater is located in the garage or basement of the home.  Once you are able to locate your water heater, make sure that you can access it easily.  This means clearing away any obstacles that stand between you and the tank.  Be particularly careful to clear anything that blocks the plumbing leading to and from your water heater.

Know How to Turn Off Your Water

If you are faced with a sudden emergency, it might be necessary to turn off your water.  This might be especially necessary if you detect a gas leaks near your water heater or if your water heater starts to leak.  Luckily, shutting off your water is pretty straightforward.  All you have to do is locate the main water shut-off valve.  The valve is normally located on the pipes leading to your tank.  Once you locate it, simply turn it until you feel the valve close completely.

Know How to Inspect It

Finally, you should conduct a water heater inspection at least once a year.  During your inspection, pay close attention to the piping leading to and from your water heater.  Look for any signs of deterioration or extreme wear.  You should also look around your water heater for any signs of soot or black residue.  This is normally a sign that your water tank is experiencing combustion issues.  If you notice either of these issues, then call in a professional to make the necessary repairs.

Try out these tips to help you maintain your water heater.  Want another way to care for your home?  Then make sure you have the proper insurance protections in place.  To find the right policies to fit your needs, contact the experts at Moser Group Inc. in New York.  Our dedicated team is ready to assist you with all your insurance needs.

04 Jan 2018
How to Inspect and Replace Your Car’s Windshield Wiper Blades

How to Inspect and Replace Your Car’s Windshield Wiper Blades

Learn how to maintain your windshield wiper blades this winter.

Your windshield wipers work hard to prevent water, ice, and other debris from affecting your visibility.  However, most drivers don’t give them a second thought until they stop working.  Want to take better care of your windshield wipers this season?  The use this guide to learn how to inspect and replace your car’s windshield wiper blades.

Inspection

For the most part, your windshield wipers do not require too much attention.  However, if you notice that your windshield wiper blades aren’t touching your windshield, or if your wipers starting to skip, squeak, streak, smear or scratch, then it’s time to replace your blades.  Refer to the steps below to ensure that you are replacing them correctly.

Replacement

1) Measure– Before you start, measure your blades and refer to your car’s owner’s manual to make sure that you are using the right sized blades for your car.

2) Remove Old Blades– To remove your old blades, lift the arm of your windshield wiper away from your windshield.  Then, press the small tab located on the underside of the arm.  Continue to hold the tab down and slide the blade off the arm in a downwards direction.  Complete these steps for your other wiper.

3) Attach New Blade– To attach the new blade, simply slip the blade onto the wiper arm.  You should hear a soft clicking noise when the blade locks into place.  Then, lower the wiper arm until the blade comes into contact with your windshield.  Complete these steps for your other wiper.

4) Test– Finally, make sure that you test that your windshield wipers are operating correctly.  They should be able to clear water and other debris without creating streaks or scratches across your windshield.  Once you are satisfied with how your windshield wipers are operating, then you’re good to go!

Use this guide to help you inspect and replace your car’s windshield wiper blades this winter.  Want another way to care for your car?  Then make sure it’s covered by the right auto insurance.  To find the right policy for your needs, contact the team at Moser Group Inc. in New York.  Our experts are ready to get you the coverage you need today.

28 Dec 2017
Tips to Protect Your Car on New Year’s Eve

Tips to Protect Your Car on New Year’s Eve

Take these precautions to protect your vehicle this New Year’s Eve.

While you probably won’t be thinking about your car as you ring in the new year, it’s important to remember that your vehicle faces certain risks this New Year’s Eve.  Take these precautions to protect your car and yourself this coming holiday.

Don’t Drink and Drive

While this should go without saying, you should never, under any circumstances get behind the wheel of a car if you have had something to drink.  Not only is drunk driving illegal, but it places your life and the lives of others at risk.  If you are planning on drinking this New Year’s Eve, then rely on a designated driver, call a cab, or use a ride sharing service such as Uber to get home safely.

Stay Off the Streets

Unfortunately, just because you are being responsible doesn’t mean that other drivers will be.  The best way to avoid getting into an accident with a drunk driver this New Year’s Eve is by avoiding the street altogether.  Drunk drivers are most active between 8:00 pm and 2:00 am and this is also when most accidents take place.  To protect yourself and your vehicle, avoid driving around during this time period if at all possible.

Park Your Car Inside

Finally, you should do your best to park your car inside your garage on New Year’s Eve.  Not only will this protect your car from getting stolen, but it will also protect your car from getting hit by a drunk driver or vandalized by a mischievous teen.

Take these precautions to protect yourself and your car this New Year’s Eve.  We at Moser Group Inc. in New York City would like to take this opportunity to wish you all a very happy new year.  If you are looking for insurance coverage for 2018, then contact us.  We are always ready to get you the coverage you need today.

21 Dec 2017
Why You Should Conduct a Year-End Review of Your Insurance

Why You Should Conduct a Year-End Review of Your Insurance

Find out why a year-end insurance review is a good idea for you.

With 2018 almost upon us, it’s natural to start planning for the new year.  However, before you get too caught up in all your future plans, it’s important to stop and take a moment to review your insurance policies before the end of the year.  Not sure why a year-end review is necessary?  Here are a few reasons why reviewing your various policies is so important.

1) Update Your Information

One reason why you should review your insurance is to make sure that all your information is up-to-date.  Over the past year, you have probably experienced life changes.  If your home was damaged in a storm, if you purchased a new car, if you had a child, or if you experienced another major change, then it’s important that all these changes are reflected in your various policies.  If your insurance company does not have your most current information, then they can refuse to renew your policy, or, worse, refuse to cover a claim.

2) Investigate Policy Changes

Another reason why you should conduct an insurance review is to check for any changes in your policy.  One major change that you should look for is any premium increases.  While most premium increases are legitimate and can be explained by your insurance agent, sometimes these increases can be the result of a mistake or incorrect information.  By reviewing your various polices and investigating changes such as this, you can avoid paying more for your insurance than you need to.

3) Apply New Discounts

Finally, it’s a good idea to review your insurance policies to ensure that you are getting all the discounts that you qualify for.  Changes in your circumstances mean that you might now qualify for discounts that were previously unavailable to you.  Make sure that you take advantage of these new discounts and reduced rates.  Reviewing your insurance to make sure that these discounts are being applied will save you considerable money on your insurance in the new year.

These are just a few of the reasons why conducting a year-end review of your insurance is so important.  If you have any questions regarding your policies, or if you simply want to get the coverage that you will need for the coming year, then contact us.  We at Moser Group Inc. in New York are dedicated to getting you the right coverage to fit your needs.

14 Dec 2017
Why Life Insurance is Still Important for the 50+

Why Life Insurance is Still Important for the 50+

Find out why life insurance is still an asset for those over 50.

If you are over 50 and our children are out of the house and you no longer have any long standing financial obligations, then you might think that life insurance is no longer worth it for you.  However, before you cancel your policy, consider these reasons why life insurance is still important for you.

Life Changes

While you might not have any dependents or remaining financial obligations, there’s a chance that your circumstances might change.  For instance, you could become legal guardian to your grandchildren.  If this happened, you would need life insurance to provide for them in case you passed.  If this scenario seems unlikely to you, then imagine what would happen if you died after a long illness.  Not only would your loved ones be responsible for your medical costs, but they would face the expenses associated with your passing.  Without the help of your life insurance policy, your family might fall into economic hardship.

Means of Comfort

Even if neither of these scenarios are likely to happen to you, then it might help to remember that life insurance is one of the only types of insurance that is more for your loved ones that it is for you.  That’s why it’s important to consider your family’s needs before your own when deciding to cancel your life insurance.  One way to look at your life insurance is as a means of comfort for your family.  Having a policy in place saves them from having to carry the burden of your burial expenses and your policy could provide them with a means of financial stability as they grieve.  When you think of your life insurance as means of comfort rather than an annoying financial obligation, many people find that their life insurance is still a worthwhile investment for them.

Keep these considerations in mind before you decide to cancel your life insurance.  If you have any questions regarding your coverage or if you simply want to get a policy to provide for your loved ones, then contact the experts at Moser Group Inc.  Located in New York, our dedicated team is ready to assist you with all your insurance needs.

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.