Author Archives: mtobol@cgtmarketing.com

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.

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!

2018 New Year’s Message from Our President Heidi Petschauer

New Year

2017 was our year to nurture the roots we planted here in Garden City over 2 years ago.  Our goal was to provide you with our consultative approach by offering you current, knowledgeable information to help you make the best insurance decisions for you, your family and your business, as well as deliver excellence of service. We always uphold our brand and values of relating with honesty and integrity to continue to build your trust in us with all your insurance needs. During this time of extreme challenges we will commit to honing our strategies and skills to continue to keep you feeling safe and protected by us in 2018.

We are especially excited for 2018 as Petschauer Insurance reached a mile stone of protecting our clients for 60 years! Please stay tuned on Social Media for a look back and a look forward as we celebrate with you and our amazing Petschauer Team.

Our success is solely driven by my amazing Team Petschauer. It is their continued dedication and commitment to our brand, our clients and our industry as well as their own personal brand that allows Petschauer Insurance to be here for you. Therefore, I offer my wholehearted appreciation and gratitude to every team member.

I also thank our clients for remaining loyal and trusting that we are here to listen and protect you.

As 2018 approaches, I wish you a New Year filled with love, health, happiness and much success.

How Snowbirds Can Winterize Their Homes Before Going Away

Snow home

If you are a snowbird heading south for the winter, there are several key things you can do to help protect your vacant home. Taking these steps can help protect your home from theft, water damage, heating or electrical system malfunctions while you are away.

Make Your Home Appear as Though It Is Continuously Occupied

Forward your mail, stop newspaper delivery, and ask a friend or relative to collect flyers or other items that may be left at your door.

Take Steps to Protect Your Home from Thieves

Secure external doors and windows with deadbolt locks, security-type hinges and sturdy door frames that cannot be spread apart. Install slide locks or other equivalent security locks on doors.

Protect Your Pipes to Avoid Water Damage by Turning Off Your Water Supply

Drain your pipes of all water by opening the faucets, and flush your toilet to clear the water from the tank and bowl, then consider pouring antifreeze in toilet tanks and bowls to prevent any remaining water from freezing.

Keep Your Home and Plumbing Warm if Your Water Supply Stays On

Set the temperature at 55°F or higher to help keep the interior of the floor and wall cavities above freezing temperatures. Keeping room and cabinet doors open also helps heat to circulate and warm the areas where pipes are located.

 Perform Routine Maintenance Before You Leave

If electrical service to the home is to remain on, consider having a licensed electrical contractor inspect your main electrical panel, wiring and outlets, if necessary.

Make Your Home Unattractive to Pests

Inspect your home for openings that animals could use to enter. For example, make sure your fireplace flue is closed, as bats, birds and squirrels are known to get inside this way.

Be Ready for Emergencies

Install smoke detectors on at least every floor (preferably tied to a constantly monitored fire alarm system so the fire department will automatically be notified in case of alarm), and confirm that the sensors and system are tested regularly.

For more information about how you can successfully carry out each of these steps and winterize your home, visit Travelers Insurance’s Snowbirds blog.