Monthly Archives: February 2018

2018 Annual Insurance Review: Check Up On Your Policies

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Scheduling an annual insurance review is key to ensuring your 2018 continues on the right path. Much like having an annual physical exam, an insurance checkup is key so that you know your policies are in top shape and that the needs of you, your family, and your business are being met.

Allow us to share five suggestions to help you get started.

1. Request a current Schedule of Insurance. This will provide you with a snap shot of your coverages at the time of your request. Once you know what coverages are in place, you can discuss the need for any additions, deletions or changes with greater confidence and understanding.

2. Schedule a meeting or a telephone call with your agent to review ALL your policies. This will include an overall review of your Personal, Commercial, as well as Life and Health insurance needs. This is a great opportunity to review your entire portfolio including property values, deductibles, and any need for additional (excess) liability coverage. We recommend the best time to schedule this call or visit is at least 30 days before your renewal date or if you are thinking about purchasing a new location, vehicle, boat or any other type of major purchase.

3. Speaking to your insurance agent is another opportunity to discuss any changes that have occurred in your life, such as the purchase of a primary home, a rental property, a vacation home, the birth of a new baby, a new business venture or even a change in your current business operations, or personal status. This may be a good time to also discuss health care options, long term care insurance for you or your parents, life and/or disability insurance or retirement planning. Your agent can assist you in making the right choices for you and your family.

4. If you are a business owner, perhaps your business is in growth mode and you are expanding by hiring more employees. You may be required by law to provide Workers Compensation Insurance and Short Term Disability or face steep penalties depending on your state laws.

5. Be sure to discuss areas where there may be opportunities for discounts such as multi-car, defensive driving, packaging auto, home and umbrella policies, non-smokers, burglar alarms and mature market discounts just to name a few. In today’s economic climate, any means of saving money is sure to help a family or business’ insurance budget.

For more detailed information, contact us today so that we can help you continue to steer 2018 in the right direction!

Ask Sherri: Insuring Your Valentine’s Day Gifts

Happy Valentine’s Day! In the spirit of the holiday, we’d like to bring back one of our classic Ask Sherri videos. If you have a nice surprise in the form of a beautiful piece of jewelry planned for that special someone, we highly recommend that you check out this episode.

Watch below as Sherri explains why you may want to consider a Valuable Articles policy as you present these special gifts.

We hope that love is in the air as you and your loved ones celebrate and enjoy this fun holiday together! Please contact us with any questions about your homeowners or renters policies.

Petschauer Insurance’s Safety Guide To A Wonderful Tropical Vacation

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As President’s Week approaches, this can provide family and friends the opportunity to take a break and embrace a well-deserved vacation! When the temperatures are cooling down closer to home, some vacationers enjoy heading to a more tropical place (like the Caribbean) to find sunshine. If you have kids and are planning for a getaway during a break from school, there is no doubt you are set for a great deal of fun, laughter, and adventure! According to AIG, it’ll also be in your best interests to keep safety in mind when venturing out to explore different places.

As you consider potential destinations and get ready for your vacation, we would like to help prepare you with what to be on the lookout for.

Before You Leave:  First things first:

  • Purchase travel insurance.  Travel Insurance will cover trip cancellations and delays, as well as provide medical expenses and emergency evacuation coverages.
  • Research your destination to know what to expect In terms of culture and climate.
  • Make your bank aware so that there are no surprise declines on your card while traveling.
  • Visit a doctor to be given a clean “bill of health”, so that you have no worries upon departing!
  • Be careful not to broadcast your whereabouts on social media before or during your trip, as this could serve as an invitation for home invaders to take advantage of your absence.

Hotel Safety:

  • It’s best to have a travel agent set up your tours and excursions, and/or seek out direct assistance from hotel concierge services. The vendors and tour guides that walk along beaches are not necessarily associated with your hotel and may target you as part of a scam.
  • Please keep in mind that your hotel room should be equipped with a safe, to secure your more personal belongings during your stay.
  • Research the safer food and drink options before you arrive. Mexico has water sanitation problems. Use bottled water, not only for drinking, but rinsing your mouth while brushing teeth as well. Vietnam has questionable bottled water.

On-the-Go, exploring your destination:

  • Please keep your eyes and ears open at all times, especially when leaving hotel grounds! Areas that are known for petty and violent crimes may have offenders that look to target tour buses.
  • It may make sense to utilize taxi services as often as possible, to alleviate you from the pressures of renting a car, getting rental insurance, the and dealing with potential confusion over travel routes.
  • When walking around at night, keep in mind that bugs are more likely to come out at dusk. Dress accordingly.

We want you to have a wonderful vacation and are happy to answer any questions you have about mitigating risks and making this adventure as enjoyable as possible! You have earned it! Contact us today to review your coverage before you leave.

Super Bowl LII Traditions and Treats From Petschauer Insurance

Chips & football

It’s that time of year again! The Super Bowl is one of America’s favorite past times. Even if you aren’t the biggest football fan, the big game serves as a great opportunity for family and friends to come together. In addition to the game highlights, there are commercials and good food to enjoy, with fun activities to partake in. With Tom Brady and the Patriots set to face off against Nick Foles and the Eagles this Sunday, our team at Petschauer Insurance would like to share some of our favorite traditions, recipes, and venues with you.


Game Day Traditions:

We have Bourbon Tasting during half time. Everyone brings a bottle of bourbon (we look for something special or new) to the host’s house. During half time, we all try the different bourbon and then judge and vote for the best bourbon of the year. The host gets to keep all the bottles everyone brought. It’s very collaborative and fun! — Rosmarie Wyszinski, Office Manager

We play “quarters.” Each participant puts 25 cents in a bowl at the start of the big game. The party host is the first person to hold the bowl. Each time a play is made and no points are scored, everyone adds 25 cents to the bowl and the bowl is passed along to the next person. When one teams scores, the person holding the bowl is the winner of the contents. We then start the process over again, with one exception; the person to the left of the winner starts off with the bowl. – LuAnn Schook, Commercial Lines Manager


Recipes:

Office Assistant Tina Rustyak’s Spinach Dip:

INGREDIENTS and STEPS

  • 1 box (10 oz.) frozen chopped spinach, cooked, cooled and squeezed dry
  • 1 container (16 oz.) sour cream*
  • 1 cup Real Mayonnaise
  • 1 package Vegetable recipe mix(dry soup mix)

Serve: cold on large hollowed out bread. Enjoy!

Commercial Lines Associate Account Executive Fanny Calle’s Guacamole:

INGREDIENTS and STEPS

  • Mash up avocados and mix with fresh lime juice
  • Dice up tomatoes and red onions
  • Season it with chopped cilantro, ground cumin, salt and pepper
  • Add in a dash or two of your favorite hot sauce and/or diced green jalapenos

Personal Lines Account Executive Lori Halloran’s Cherry Bombs:

INGREDIENTS and STEPS

  • Drain Maraschino cherries (keep stems)
  • Soak in vodka (or your favorite alcohol) for 24 hours
  • Drain & dry cherries
  • Dip cherries in melted chocolate
  • Then dip into colored sprinkles (optional)
  • Save cherry flavored alcohol for use later in your favorite cocktail!!

Recommended Super Bowl Venues:

Gottscheer Hall, 657 Fairview Ave. Ridgewood, New York

No cover! Great prices on game day snack favorites.

Click here for the regular menu.

Plattduetsche Park, 1132 Hempstead Tpke. Franklin Square, New York

Hosting an open bar, free wings, and a halftime buffet. All included for $55 dollars (in advance)

Click here for more Super Bowl specials.

Paulaner NYC, 265 Bowery, New York, NY 10002

No cover! Great prices on food platters and freshly brewed German beer right in the restaurant. With two projection screens and two more flat screens, you have a great view of the game from any seat in the house!

Click here for more Super Bowl specials.


Study Up Before The Game!

Those who aren’t huge football fans may still enjoy watching the big game. If that includes you, take a look at the video clip below for a crash course on the matchup between the Patriots and Eagles.