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.


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.


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.


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.


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.


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.


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.


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.


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.


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.

21 Sep 2017
Finding the Right Liability Insurance

Finding the Right Liability Insurance

Make sure your business has the right liability coverage.

Finding the right liability insurance for your business is never a simple process.  Liability insurance policies come in all shapes and sizes, so it’s important that you choose the best policy for your business.  Here are a few things to keep in mind as you look for your liability coverage.

Understand what Liability Insurance Is

Liability insurance covers you and your business from legal claims, such as injury and property damage, that can occur during business operations.  If you have employees, the law mandates that you have liability insurance.  If your business doesn’t have employees, you may not be required to have a liability policy, but you should still be ready.  A single claim could hurt your business irreparably.

Know the Types of Liability Insurance

Many business owners are unaware that there are different types of liability insurance to choose from.  It’s important to know that there is a policy for any imaginable risk your business might face.  Types of liability insurance include: General Liability, Product Liability, Professional Liability, Commercial Property, and Home-based Business.

Identify your Risk

It’s important to understand what risks your business might encounter.  Speak to an experienced insurance agent to discuss your risk and determine if you need additional insurance options to cover your business completely.  As a business owner, you know your business the best, so take the time to consider any possible coverage needs.

Shop Around

Don’t settle for the first insurance provider you talk to.  Consider different options to ensure that you have the right insurance professionals by your side.  Use this as a networking opportunity, and ask other small businesses for referrals.

Consider these tips and make sure that your business has the liability insurance it deserves.  To discuss your liability coverage, contact the experienced professionals at Moser Group Inc. in New York for all your personal and commercial insurance needs.

14 Sep 2017
How Do I Choose the Right Home Insurance Deductible?

How Do I Choose the Right Home Insurance Deductible?

Maximize your home insurance by choosing the best deductible for you!

Deciding on your home insurance deductible can be a stressful balancing act.  Before starting the process, learn what a deductible is and how it affects you.

In plain words, a deductible is the amount of money you agree to pay out-of-pocket before your home insurance kicks in.  For example, if you have a deductible of $100 and you make a claim for $300, your insurance company will pay $200.

Many insurance companies have a minimum deductible that you must assume.  However, they also offer you the opportunity to balance your deductible against your premium.  This means that the higher deductible that you agree to pay, the lower your annual premium will be.  While increasing your home insurance deductible is a common money-saving strategy, it’s important to know the risks this decision entails.  Many homeowners agree to pay a higher deductible to save money on their premium only to find that they can’t pay their deductible when disaster strikes.  Agreeing to pay a higher deductible than you can afford means you might not receive coverage when you need it.

On the flip side, many homeowners decide on a lower deductible to ensure that they can afford coverage when they need it.  However, if these homeowners consistently avoid filing a claim, they might find themselves losing money by paying their high premium costs.

Ultimately, when choosing the right deductible for you, it’s important to look at your finances and determine what you can afford to pay comfortably.  Please remember that how your deductible affects your premium differs depending on state and local regulations.  Your individual insurance company will also affect the balance between your deductible and premium.  To learn more and get help choosing the right home insurance deductible in New York, contact the friendly team at Moser Group Inc.

07 Sep 2017
Little Things That Cost Your Business Big

Little Things That Cost Your Business Big

How little details could cost your company big money.

If you’re trying to run a company, chances are you miss little details from time to time.  While these small expenses or mistakes may not seem important at that moment, over time they can compound and have a huge financial impact on your business.  Here are some of the most common overlooked details business owners should avoid.

Pay stubs

With the rise of direct deposit and programs that make it easy to automatically pay your employees, it’s easy to forget something as little as a pay stub.  However, it is mandatory by law that each employee receive a pay stub with every pay check.  While failure to provide a complete pay stub results in a fine as little as $50, this fine could add up tremendously.  Imagine that you have 15 employees and you forget to give out a pay stubs one payday.  This little mistake could result in a penalty of $750, and that’s just for a first offense.  A subsequent missed pay stub can result in a $100 penalty.

Phone bills

If your company has relied on the same phone service provider for a long time, there’s a good chance you are overpaying on your phone bill.  Invest the time it takes to compare different providers to ensure that you’re getting the most out of your money.  Alternatively, consider exchanging your phone service for a VoIP (Voice Over IP) service, such as Skype, to save some cash.

Office Perks

While offering your employees coffee and tea is often a necessary expense, make sure that you’re buying these supplies in bulk to get the best deal possible.  This means being vigilant about your supply and planning your shopping trips accordingly.  Sent the intern out on the third emergency coffee run this month?  That Starbucks bill is definitely going to add up!

Keep these small details and expenses in mind and save your business more money every month.  To find out ways you can save on your business insurance, contact the insurance experts at Moser Group Inc. in New York.