Monthly Archives: January 2018

Keeping You Safe While Driving Through Severe Weather Conditions

Car in Snow

Today’s forecast consists of heavy rain and snow. In an effort to help prepare and keep you safe for the commute home, allow us to share some helpful reminders and additional information about driving in severe weather conditions from Travelers Insurance.

Driving for Winter Conditions

Before you leave the driveway or parking lot, take time to clear snow and ice off your car, including your windows, mirrors, lights, reflectors, hood, roof and trunk. Drive with your headlights on, and be sure to keep them clean to improve visibility. Use caution when snow banks limit your view of oncoming traffic.

As you get on the road, remember that speed limits are meant for dry roads, not roads covered in snow and ice. You should reduce your speed and increase your following distance as road conditions and visibility worsen. Turn your headlights on to help other vehicles see you. Avoid using cruise control in snowy or icy conditions – you want as much control of your car as possible. Be cautious on bridges and overpasses as they are commonly the first areas to become icy, and avoid passing snow plows and sand trucks. The drivers can have limited visibility, and the road in front of them could be worse than the road behind.

What Is Black Ice?

Black ice is not actually black in color — it’s clear enough that you can see the road beneath it, making it appear “black.” Black ice may also be difficult to distinguish from a wet roadway and may appear wet and shiny. An absence of air bubbles allows it to blend in with any surface, making it difficult to see for pedestrians on sidewalks as well as for drivers on winter roads. Fog, light freezing rain, and melting and refreezing precipitation can all cause black ice to form.

Even if the air temperature is above freezing, cooler surface temperatures may mean black ice could still present a hazard on the roads. Vehicle exhaust moisture can also cause black ice to form on roadways, where drivers may not expect it, such as intersections where stopped vehicles may idle for brief periods of time allowing condensate to form.

We wish you a safe commute home! Please feel free to contact us if you have additional questions or would like us to review your auto policy.

Study Shows Millennials Are Excited About The Insurance Industry

Young Man Workplace

The insurance industry is full of exciting and lucrative opportunities. It can serve as the perfect platform for someone of versatile talents to showcase their skills and continue flourishing at the same time.

According to a recent study by Vertafore, millennials agree.

Companies often look for young and energetic professionals that they can nurture and develop to fill various roles. In turn, millennials appreciate the stability and career-growth opportunities available. There are many benefits to working in the insurance industry and millennials are beginning to feel at home and stick around. The study states:

  • 82% of millennials working in insurance would recommend the field and that 39% have indeed been recruited by their friends.
  • 67% of millennials have been in the insurance industry for three or more years and have plans to stay as long as possible.
  •  63% of millennials recognize the growth opportunities as the most favorable benefit.
  • 55% believe the compensation is the most rewarding component.
  • 50% appreciate the refreshing work/life balance the industry affords them

According to Vertafore, there’s an abundance of optimism around the industry, and rightfully so. Insurance will be around forever! Regardless of the economic climate, there will always be a need for it. Such a foundation lays the groundwork for the potential of increased job security.

Millennials believe the future is bright. Such a sentiment goes far beyond these promising percentages. Working in the industry is very rewarding. Those who work in insurance feel a sense of purpose, able to protect people, their families, and respective assets.

The millennials have spoken. Looking forward to seeing for yourself? Visit our career page to stay on top of the opportunities we may have for you moving forward.

2018 New Year’s Resolutions For Your Commercial Insurance Protection Plan

cyber

As we reflect upon this past holiday season, we hope that you created wonderful memories to cherish with your loved ones over good food, laughter  and song,

Part of ringing in the New Year provides you with a fresh outlook and thirst for taking advantage of new beginnings.  We call these New Year Resolutions. At Petschauer Insurance, we are here to help you get a head start, offering our own version of New Year’s Resolutions to best protect your business or commercial property.

1) Risk Management: Make any necessary repairs such as sidewalks, stairways and guard rails which will reduce your slip and fall exposure

2) Purchase Cyber Liability Insurance to protect your business in the event of a data breach

3) Purchase Employment Practice Liability Insurance to cover you in case of a lawsuit for wrongful employment practices

4) Be mindful of the need for Special Event Coverage such as a wedding, Fundraiser, parties, client events

5) Purchase Commercial Umbrella Policy or increase your limits to cover your defense costs in the event of a lawsuit. We live in a very litigious society and defense costs are rapidly increasing

 

For more detailed information, please contact us so we can help you get 2018 off to a great start!  We wish you a Happy and Healthy New Year!

 

2018 New Year’s Resolutions For Your Personal Insurance Protection Plan

New Car Student

As we reflect upon this past holiday season, we hope that you created wonderful memories to cherish with your loved ones over good food, laughter and song.

Part of ringing in the New Year provides you with a fresh outlook and thirst for taking advantage of new beginnings.  We call these New Year Resolutions. At Petschauer Insurance, we are here to help you get a head start, offering our own version of New Year’s Resolutions to best protect your personal property and assets.

1) Insure Your Valuables – receiving jewelry, furs, or any other valuable as a  holiday gift is exciting.  Remember to add this item(s)  to your Homeowners or Valuable Items Policy

2) Take A Defensive Driving Course to save money on your Automobile Insurance

3) Install a Central Station Fire & Burglar Alarm in your home and send the receipt to your agent for discount on your Homeowners Policy

4) Purchase a Personal Umbrella Policy and increase your limits to cover your defense costs in the event of a lawsuit.

5) Purchase a Flood Policy to protect you home from an over flow of water. You do not need to live near a body of  water to consider this important coverage.

For more detailed information, please contact us so we can help you get 2018 off to a great start!  We wish you a Happy and Healthy New Year!

2018 New Year’s Resolutions For Your Life Insurance & Health Insurance Protection Plan

Gym

As we reflect upon this past holiday season, we hope that you created wonderful memories to cherish with your loved ones over good food, laughter and song.

Part of ringing in the New Year provides you with a fresh outlook and thirst for taking advantage of new beginnings.  We call these New Year Resolutions. At Petschauer Insurance, we are here to help you get a head start, offering our own version of New Year’s Resolutions to best protect you, your family and business, and life and health insurance needs.

 

1) Join a gym and contact your health insurance company for possible reimbursement

2) Purchase a Disability Plan to protect your income in the event of an unforeseen accident. Check with your employer as you may be eligible for group disability benefits at a reduce rate

3) Review Your Existing Life Insurance Plan to be sure it meets your current needs

4) Purchase Key-Man Insurance to protect your business from the death of a key employee

5) Review & Update Your Beneficiary to fit your needs

For  more detailed information, please contact us so we can help you get 2018 off to a great start! We wish you a Happy and Healthy New Year!