Archive Archives - Page 8 of 9 - Moser Group Insurance

11 Aug 2016

Archive, General Articles, Personal Insurance mosergroup 0 comment

Ask the Right Questions When Looking for Flood Insurance

Know what to ask your agent when looking for flood insurance.

Whether it’s a burst pipe or a raging winter storm, flooding can be detrimental to your home. While you may think that your homeowners insurance covers flooding, that’s not the case. You need flood insurance for water damage. Get the coverage that you need for water damage. Check out what you need to know about flood insurance and ask your agent these questions.

What Does Flood Insurance Cover?

Flood insurance gives you the coverage that you need to protect your home from rising water levels and mudflows. From mold removal to getting rid of debris, your coverage helps to give you the coverage that you need to repair your home after the damage is done.

Are There Any Coverage Gaps?

Keep in mind that while flood insurance is extremely helpful in a bind, it has its limitations. Once the coverage limits have been exceeded, you’re responsible for the difference. Additionally, it only covers the structure of your home and only a few basement essentials. Your personal belongings are also at risk. While you’ll receive some coverage for your personal possessions, know that it’s extremely limited. Also, flood insurance only covers floods. If there’s any damage done by land movement, you’re not covered.

How Do I Protect My Home from a Storm?

Taking preventative measures is a must when it comes to minimizing damage and protecting your home. When a storm is coming, take the necessary precautions such as purchasing sandbags, and moving personal belongings above ground level. Additionally, it’s a good idea to take a home inventory so that if you do need to file a claim with your insurer, you’ll be ready to go.

Protect your home from water damage and invest in the right flood 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.

04 Aug 2016

Archive, General Articles, LIfestyle, Uncategorized mosergroup 0 comment

Check Out this Recipe for National Chocolate Chip Cookie Day

Celebrate National Chocolate Chip Cookie Day with this recipe.

It’s National Chocolate Chip Cookie Day! Channel your inner cookie monster and whip up a homemade batch of chocolate chip cookies. Enjoy fresh cookies and check out this recipe to help you get started.

Ingredients:

1 cup butter

1 cup white sugar

1 cup packed brown sugar

2 eggs

2 teaspoons vanilla extract

3 cups all-purpose flour

1 teaspoon baking soda

2 teaspoons hot water

1/2 teaspoon salt

2 cups semisweet chocolate chips

1 cup chopped walnuts (optional)

Start your batch of cookies by preheating the oven. Set the temperature to a toasty 350 degrees and prepare a baking sheet lined with parchment paper. Set the sheet aside and start making the dough.

In a large bowl combine the softened butter, white sugar and brown sugar together until smooth. Next, add in the eggs one at a time as you stir them in. Add in the vanilla. In a separate small bowl, dissolve the baking soda in hot water. Add in the baking soda solution and the salt to the batter. Then slowly stir in the flour, chocolate chips, and the walnuts (if you choose).

Spoon the batter onto the baking sheet into one inch balls and proceed to evenly space them to avoid baking into each other.

Place the cookies into the oven and bake for about ten minutes or until the cookies are browned. Let them cool, and enjoy them with friends, family, and a big glass of milk.

Enjoy making this chocolate chip recipe and many more recipes in your kitchen. Ensure that your kitchen is protected 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 insurance needs.

21 Jul 2016

Archive, General Articles mosergroup 0 comment

Check Out These Ways Your Business Can Go Green & Save Money!

Implement environmentally sustainable practices into your business to save money.

Going green has its benefits. Not only does it help to improve your business image and support environmental conservation efforts, but they can help your business to save quite a bit of money. Help your business incorporate more environmentally sustainable business practices. Check out these ways that you can go green at the office.

Switch Out Your Light Fixtures.

Nowadays you can save energy just by switching out your light bulbs. Traditional bulbs have been remodeled. Compact fluorescent bulbs use significantly less energy to light up your workspace. Plus, they last longer too. That means you’ll have a lower energy bill and will have to change the bulbs less frequently.

Upgrade to Energy Efficient Appliances.

You’re sure to have an appliance or two when it comes to your office space. The next time you need to replace an appliance, get an Energy Star-approved appliance. That way your machines will be more efficient, which will help you to save time and money.

Use Less Paper.

Technology has made great progress in the past few decades. Move your company’s focus to a more digital business practice. That way you’ll use less paper, which means you’ll be spending less money on materials. If you absolutely must use paper, try switching to post-consumer waste (PCW) brands so that you can be sure that they are recycled.

Encourage Telecommunication.

Working from home is easier than ever. Not only is it an added perk for employees, but it helps the environment and saves you money. Letting your employees telecommute means that they won’t have to drive to the office, which helps to reduce contributions to air pollution. Additionally, you won’t have to pay to keep your office open. Therefore, you can save money on your utility bills. It’s a win-win-win!

When it comes to your business practices, go green. They’ll help to improve your business and save you money. Don’t forget to protect your business with the right business 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.

07 Jul 2016

Archive, General Articles, Local Events mosergroup 0 comment

Hosting a Special Event this Summer? Check Out Why You Need Event Insurance

Protect your special events with the right insurance.

Along with the warm, sunny weather, summer brings a variety of activities and events. From weddings to outdoor concerts to company barbecues, hosting an event this summer is exciting. However, it also comes with lots of responsibility. You need event insurance to keep your event well protected. Check out why you need event insurance for all your summertime special occasions.

Liability Risk.

Hosting an event comes with enormous responsibility. If anything goes wrong, you’re the go-to person. From property damage to injuries, you could be liable as the event host. Fortunately, event insurance can give you the necessary coverage to help offset expensive legal fees and medical bills. Additionally, if you’re planning on serving alcohol at your event, you want all your bases covered. Bartenders and caterers don’t always have the insurance that they should. Invest in an added liquor liability policy to protect yourself from any issues down the line.

Cancellations.

Life doesn’t always go to plan. For one reason or another, you may have to cancel your event. However, if you’re too close to the date of the event, it may be too late to get your deposits back. That’s where event insurance comes in. It can help to reimburse you for lost monies due to a cancellation.

Workers’ Compensation.

You can’t host an event without a well-trained staff. With lots of lifting heavy objects and climbing ladders to hang decorations, the event staff has a dangerous job. Give them the protection that they need, and invest in an event insurance policy. In some cases, it can help to give event staff the workers’ compensation they need to get the right medical treatment.

Keep your summertime occasions running smoothly with the right event 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.

01 Jul 2016

Archive, General Articles mosergroup 0 comment

Celebrate the Fourth of July with This Patriotic Potato Salad Recipe

Have a happy Fourth of July with this patriotic potato salad recipe.

Get ready for Independence Day! Whether you’re hosting your own backyard barbecue or you’re heading over to the neighbors’, dazzle everyone with this Fourth of July potato salad recipe. Complete with red, white, and blue potatoes, this patriotic potato salad is sure to be a hit. Check out the recipe and see what you need to get started.

Ingredients:

2 cups fingerling potatoes

2 cups small red potatoes

2 cups small blue potatoes

1/4 cup red onion

3 large hard-boiled eggs

2 tablespoons fresh parsley

1 tablespoon fresh dill

1 tablespoon fresh chives

Dressing:

1/2 teaspoon freshly ground black pepper

1 1/4 teaspoons salt

1 garlic clove, minced

1/4 cup red wine vinegar

2 tablespoons olive oil

2 teaspoons Dijon mustard

Start by prepping all your ingredients. Wash all your potatoes and finely chop the onion, parsley, dill, chives, and egg. Next, boil the potatoes. Put the fingerling and the red potatoes together in the same pot and bring them to a boil. Once they’ve started to bubble, reduce the heat to a simmer and let them cook until tender. Then take them out of the pot to let them cool a bit. In a separate pot, boil the blue potatoes. Once again bring the pot to a boil and then let it simmer until the potatoes are tender. Let them cool and then transfer all the potatoes into a large mixing bowl.

In the mixing bowl, add the onion, parsley, dill, chives, and eggs. Toss the salad so that it’s evenly mixed. In a small bowl, create the dressing. Combine the vinegar, Dijon mustard, olive oil, salt, pepper, and garlic. Whisk well and then pour over the potatoes. Toss the salad so that the dressing evenly coats the vegetables.

Have a happy and safe Fourth of July! Ensure that you’re safe all year round 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.

30 Jun 2016

Archive, General Articles mosergroup 0 comment

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

Archive, General Articles mosergroup 0 comment

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

Archive, General Articles mosergroup 0 comment

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

Archive, General Articles mosergroup 0 comment

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.

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