insurance Archives - Moser Group Insurance

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.

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.

14 Jul 2016

LIfestyle, Uncategorized mosergroup 0 comment

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.

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.

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