Category: Uncategorized

25 Aug 2016
Insurance Coverage That You Need for Your Swimming Pool

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.

04 Aug 2016
Recipe for National Chocolate Chip Cookie Day

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.

14 Jul 2016
Tips to Stay Focused on the Road & Avoid Distracted Driving

Avoid Distracted Driving Dangers on the Road and Check Out These Tips to Stay Focused

Nix the distracted driving and put safety first with these tips.

It’s no surprise that distracted driving is on the rise. In an ever increasing age of technology, our mobile devices go everywhere with us, including the car. From texting, to eating, to daydreaming, there are lots of ways in which your focus is taken off the road. While it may not seem like a big deal, distracted driving is incredibly dangerous. Put safety first, and check out these tips to help you stay focused on the road.

Turn Your Phone Off.

It’s no secret that texting while driving is dangerous. However, talking on your phone, even while using a Bluetooth device can be just as distracting. Avoid the risk of cellphone-related disasters all together and turn off your cellphone. You can even stow it away in the glove box until you reach your destination. That way you won’t be tempted to reach for your phone while behind the wheel.

Come Prepared.

Inputting an address into your GPS or fiddling with your wallet to pay the toll, takes your focus off the road. Avoid such distractions and prepare ahead of time. Before you leave for a new destination, set up the GPS and have your money ready before you even start your engine. That way you can rest assured that your only concern on the road is driving safely.

Enlist the Help of You Passengers. 

Having other people in the car can be dangerous as a deep conversation can easily distract you from the road. However, traveling with passengers can have its advantages. Have your passengers help you turn on the radio, text, or look up directions so that you’re free to drive safely.

Use these tips to stay focused and avoid distracted driving. For added protection, invest in the right auto insurance policy. 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.

26 May 2016
Grilling Safety Tips For Your Memorial Day Barbecue

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
How to Drive Safely to Save on Your Auto Insurance

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

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
How to Use Your Tax Refund Effectively & Wisely

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.