General Articles Archives - Page 2 of 3

22 Sep 2016

Archive, Commercial Insurance, General Articles mosergroup 0 comment

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

Archive, General Articles, LIfestyle mosergroup 0 comment

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

Archive, General Articles, Personal Insurance mosergroup 0 comment

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

Archive, General Articles, LIfestyle, Uncategorized mosergroup 0 comment

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

Archive, General Articles mosergroup 0 comment

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.

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.

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