commercial insurance Archives - Moser Group Insurance

18 May 2017

Archive, Commercial Insurance mosergroup 0 comment

Learn How Business Interruption Insurance Provides You with the Right Coverage

What to know about how business interruption insurance gives you the coverage that you need.

When it comes to protecting your business, it’s important that you’re well-prepared. When disaster strikes, your business could be left with costly damage that can temporarily impact your ability to function. Such a business interruption requires the necessary insurance coverage to help you get back on your feet. Find out what you need to know about business interruption insurance so that you can keep your company as secure as possible.

About Business Interruption Insurance Coverage.

When your business is forced to close its doors temporarily due to a disaster, business interruption coverage helps to get you back on your feet. Such coverage provides you with the financial resources to cover your expenses like rent, utilities, and employee salaries, lost revenue, and temporary operating costs if you’re forced to relocate for a little while. It’s a necessary safeguard to help protect your business from ruin.

Choosing the Right Business Interruption Coverage.

When it comes to investing in the right business interruption policy, it’s important to be aware that this policy does not exist as a stand-alone policy. Instead, it’s offered as supplemental coverage to other commercial insurance. Usually, when adding business interruption coverage, it’s added to a commercial property insurance or business owners policy. These types of policies give you general protection for your business that can then be customized by adding on additional endorsements. That way you ensure that you have adequate protection for your business to stay afloat after a disaster.

Be ready for disaster with the right insurance coverage. Protect your company with the right business interruption 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 needs.

27 Apr 2017

Archive, Commercial Insurance mosergroup 0 comment

Get the Right Commercial Coverage for Your Business Size with These Tips

Find out what sort of coverage you need for your business size.

When it comes to your business, it’s important that you have the right insurance coverage. However, the coverage that you need for your business depends on your business size. The larger your business, the more coverage you need. Find out what you need to know about choosing the right amount of insurance coverage for your business size.

Home Business.

When it comes to your home business, it’s important that you have the right insurance coverage. While many home business owners assume that they’re covered under their homeowners insurance policy, it’s often not the case. Business conducted in your home requires a separate home business policy or a supplement to your homeowners insurance. Without the right coverage, you could be paying for damages out of pocket. Ensure that you get the right coverage so that you’re well protected.

Small Business.

As a small business with 50 or fewer employees, it’s important that you take care to protect yourself from common threats like property loss or lawsuits. A BOP (business owners policy) helps to give you baseline commercial property and liability coverage to protect your business. However, it’s a good idea to evaluate all your business risks, especially when they’re specific to your industry. That way you can customize your insurance coverage to best protect your business.

Larger Business.

The larger your business, the greater the risk. Ensure that your business is well protected with the right policies and the right coverage limits. Evaluate your risks so that you’re better able to match your coverage to your needs.

Keeping your business well protected is a top priority. Invest in the right commercial insurance coverage for your business size. 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 needs.

16 Mar 2017

Archive, Commercial Insurance mosergroup 0 comment

Get the Best Commercial Insurance to Keep Your Business Safe

Learn how these types of commercial insurance can keep your business safe.

Keeping your business as safe as can be is an important part of your business practices. There are various risks that threaten the safety of your company, from lawsuits to property damage. Life is unpredictable, and you need the right coverage to protect yourself. Check out how commercial insurance can help to keep your company safe. Here’s what you need to know.

General Liability.

Lawsuits are more common than ever, and they’re not pretty. They’re expensive, time-consuming, and they can destroy your business. Fortunately, you can help to offset these costs and protect your business with the right general liability coverage. From copyright infringement accusations to slander, you have the protection that you need to help keep your business safe and secure.

Product Liability.

When it comes to your business, accidents happen. If there’s an issue with the products that you produce, you could be liable for any associated damages. Be ready for the unexpected with the right product liability coverage. That way you have the coverage that you need to keep your business safe from issues like manufacturing flaws and design defects.

Cyber Liability.

Most business practices carried out today involve the use of digital technology. While they help to make tasks easier, they come with various risks. They’re vulnerable to cyber-attacks and should sensitive information get out, you could face a serious cyber liability suit. Get the protection that you need with the right cyber liability insurance.

When it comes to your business, it’s important that you have the tools that you need to stay well-protected from common threats. Invest in the right commercial insurance so that you can keep your company as safe as can be. 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 needs.

02 Feb 2017

Archive, Commercial Insurance mosergroup 0 comment

Compare Your Insurance Quotes so You Get the Best Business Insurance Coverage

Learn how to get the best small business insurance with these tips.

When it comes to your business, it’s important that you have the right insurance coverage. That way you have the protection that you need in the event of a disaster. However, when it comes to choosing the right policy, you must compare policies to get the best price. Check out these tips to help you get the best commercial insurance for your business.

Look at Your Current Policy.

It’s important that you have the right tools to protect your business. When searching for a new policy, it’s important to consider your old policy. That way you can identify areas that need improvement. Once you determine where your present policy lacks the coverage you need, you’re better apt to choose a policy that gives you better insurance.

Give Yourself Wiggle Room.

As your business continues to grow, it’s important that you choose a policy that can weather the changes of your business. That way you can rest easy knowing that you’re well-protected. When comparing insurance quotes, check to see what sorts of coverages each policy offers so that you can make the best decision for your company.

Think Value, Not Cost.

When it comes to choosing a policy, many of us look for the lowest price. However, when it comes to comparing insurance quotes, it’s important to look at how far your money goes. Choose the policy that gives you the most bang for your buck. Look at the amount of coverage that you get for the price, so that you know you’re well-protected.

Get the commercial insurance coverage that you need for your small business. 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 needs.

12 Jan 2017

Archive, Commercial Insurance mosergroup 0 comment

Lower Your Risk for Slips & Falls on Your Commercial Property This Season with These Tips

Reduce your risk for slips and falls this winter.

Winter is here and along with it comes nasty winter weather. Snow and ice can pose serious safety hazards when it comes to your commercial property. Implement the necessary safety precautions so that you’re best able to keep your employees and customers safe. Check out what you need to know about these fall prevention tips for winter.

Create a Plan of Action.

It’s important to be prepared. Outline your policy and procedure for handling winter weather so that you’re ready when the time comes. Set parameters so that everyone is on the same page when it comes to salting walkways and laying out carpets at entrances.

Keep Track of the Weather.

The weather is unpredictable. However, when the weather changes quickly, it’s important that you’re ready. Regularly monitor the weather so that you can take action when the time comes. That way you increase your chances of keeping employees and visitors safe while on your property.

Record Prevention Activities.

Make it a standard practice to write down what measures were taken to prevent any accidents. Include the name of the individual that carried out the action as well as what action was performed along with the weather conditions, time, date, and any special notes. That way you can keep track of your prevention measures.

Be Mindful of Procedures.

When it comes to your precautionary measures, ensure that they’re done properly. Consider issues that may arise such as refreezing or snow piles that may obstruct walkways or visibility. That way you can increase safety on your commercial property.

When it comes to keeping your commercial property secure during the winter, ensure that you implement the right safety precautions. Invest in the right commercial liability insurance to keep your business safe all year long. 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 needs.

22 Dec 2016

Archive, Commercial Insurance mosergroup 0 comment

Use This Financial Check List to Get Your Business Ready for the New Year

Get your business finances ready for the New Year with these tips.

As 2016 ends, it’s time to look to the New Year ahead. Full of promise and opportunity, the coming year is the perfect time to achieve new business goals. However, before you continue to grow your business, it’s important that you have your finances in order. Check out what you need to know about getting your finances in check with this end of year checklist.

Look at Your Cash Flow.

One of the most important aspects of your business finances is cash flow. Without it, you’re left without any revenue to help build your business. Determine how much was brought in, how much was spent, and how it was allocated over time to get a better idea of how your business is doing financially. Look at investing activities, financial activities, and operating activities so that you know have a well-rounded view of your cash flow.

Reconcile Accounts.

At the end of the year, it’s important that you tie up loose ends. Make an effort to reconcile unpaid accounts. Collect on any outstanding bills so that you have more revenue for the coming year. Additionally, it can help make your taxes all the more easy come April.

Analyze Reports.

It’s a good time of year to run reports to see where you need to improve your business. Run reports to look at cash flow, profit and loss statements, and a balance sheet so that you have what you need to determine where you need to make improvements or adjustments in your business finances.

When it comes to your business, get ready for the year ahead by getting your finances in order. Protect your business’s bottom line with the right commercial 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 needs.

08 Dec 2016

Archive, Commercial Insurance mosergroup 0 comment

It’s Write a Business Plan Month! Check Out What You Need to Know About How to Draft the Perfect Plan

Learn how to make a business plan during Write a Business Plan Month.

As the year comes to an end, ensure that you’re ready for the year ahead. Prepare your business for anything that life throws your way during Write a Business Plan Month. It’s a great way to get all your ducks in a row so that you can start off the New Year on the right foot. Check out what you need to know about writing a business plan.

Executive Summary.

Your executive summary is a snapshot of your business practices. It represents the foundation upon which your company is built. It establishes what the business goals are from the get-go to clearly communicate what you intend to do.

Design & Development Plan.

The design and the development are key components to bringing a product to life. With design and development, you outline the design of a product along with how the product will be made and how it will be marketed. It’s the guideline to establish how a product will become an integral part of your business.

Market Strategies.

In order to sell a product, you need to market it to potential buyers. That’s where your market strategies come in. After plenty of research, a marketing strategy will develop that, as to maximize attention to the target market.

Competitive Analysis.

In order to help improve your business, you need to learn about the competition. When it comes to building your business plan, it’s important to factor your competitors into your plans. Consider how they conduct business so that you can learn from their mistakes and that you can improve upon their strategies.

Keep your business secure with a business plan and the right commercial 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 needs.

17 Nov 2016

Archive, Commercial Insurance mosergroup 0 comment

Update Your Professional Liability Insurance with These Tips!

Find out how you need to update your professional liability insurance updates.

As a business owner, you’re well aware of all the disasters that threaten your business. From natural disasters like hurricanes or blizzards to legal disasters that result in lengthy court cases, it’s important to be prepared with the right insurance. However, despite covering the basics, you often need supplemental coverage. Keep your business well protected with the right professional liability insurance. Already have a policy? Learn how to update your coverage so that your business stays safe and secure.

Reviewing Your Coverage.

Every year, it’s important to check up on your insurance coverage. That way you can adjust your policy limits to best fit your ever-changing business needs. Meet with your insurance agent to help you evaluate how much professional liability coverage you need so that you can update your policy accordingly.

Hiring New Employees.

Whether you’ve hired new employees or you’ve downsized a bit, it’s important that you have the necessary coverage. Look into adding more coverage when you hire new employees or how to lessen your coverage if your company has let a few people go. That way you have the right amount of coverage for your business needs.

Talk with Your Contractors.

When it comes to your professional liability policy, you’re only covered for your employees. If you’ve hired an independent contractor, you don’t have coverage to protect yourself. Before agreeing to bring on a contractor or subcontractor, ensure that they’ve purchased their own professional liability coverage so that you can rest easy knowing that everyone has adequate coverage.

When it comes to your business, get the commercial insurance coverage that you need and update your professional liability 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 needs.

10 Nov 2016

Archive, Commercial Insurance mosergroup 0 comment

Check Out These Tips to Help Your Business Thrive on Small Business Saturday!

Participate in Small Business Saturday with these tips!

Thanksgiving is all about spending time with your loved ones. You gather around the holiday table and share a festive meal. Immediately following Thanksgiving, you jump into shopping mode. It’s the best time to start getting all your holiday gifts in order. However, while Black Friday gets lots of attention, don’t forget about Small Business Saturday on November 26, 2016. Help support community business and foster your local economy and shop small. As a small business, check out what you need to know about participating in Small Business Saturday.

Market for the Holidays.

As Thanksgiving comes to an end, consumers start to think about gift giving for the holidays. Take advantage of the holidays and incorporate it into your Small Business Saturday marketing plan. Create special offers for the occasion, and encourage customers to sign up to be on your business’s mailing list.

Increase Cyber Security.

Your customers don’t have to shop in-store to participate in Small Business Saturday. Offering a wide range of online options can help to boost your sales. However, it’s important that you’re wary of your online security. Boost your cyber security to help lessen the risk of a security breach and increase trust from your customers.

Boost Your Online Presence.

We live in a digital world. It’s important that you put your business online. Ensure that you make the investment and build your online presence. Keep your website up to date with a mobile-friendly option. Plus, consider a social media campaign to get your name out along with your Small Business Saturday promotions.

As a business participating in Small Business Saturday on November 26, 2016, ensure that you’re well protected with the right commercial 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 needs.

13 Oct 2016

Archive, Commercial Insurance, General Articles mosergroup 0 comment

Cyber Security Tips to Keep Your Business Well Protected from Cyber Threats

Protect your business from cyber threats with these cyber security tips.

As the world becomes increasingly digital, so does your business. Using technology in your business practices can be immensely beneficial. However, using so much technology comes with its fair share of risk. With so much sensitive data, it’s imperative that you keep it well protected. Minimize your risk for a cyber disaster, and check out these cyber security tips.

Make Frequent Updates.

When it comes to your protection systems, it’s imperative that you have the most up to date versions. As your firewall, anti-spyware, and anti-malware software find new ways to protect you, threats also evolve and find new ways to attack you. For the best, most secure protection, you need to update your software regularly.

Change Your Passwords Regularly.

Your passwords help to keep you safe. However, passwords can be broken. When it comes to your passwords, ensure that they’re varied and that you change them every three months. No account should have the same password. Additionally, it’s imperative that you create a strong password with plenty of special characters, a combination of uppercase and lowercase letters, and numbers. That way it’s harder to hack, and your passwords will be more secure.

Toss Old Information.

The longer you hold on to sensitive information like client payment information or old employee tax records, the more risk you have of leaking confidential information. Don’t expose your business to unnecessary cyber liability. Review which items that you need to keep and which ones you can toss. Get rid of the ones that you can eliminate so that you can help reduce your risk for a data breach.

Keep your business safe from a cyber disaster with the right cyber liability insurance and these tips to reduce your risk. 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.

1 2 Next →