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.

A 2017 Thanksgiving Message From Our President Heidi Petschauer

Thanksgiving Table

During this special time of year where we pause to give thanks, I begin this message with a very heartfelt thank you to my dad, the founder of Petschauer Insurance, John Petschauer. He always provided me with an opportunity to learn the insurance business as well as understand the importance of collaborating with others.

Because of my dad’s imparting wisdom, as leader of the Petschauer Insurance Team, I always focus on promoting everyone working together.  Everyone on our team has incredible strengths which are all unique and appreciated. Therefore, pooling our strengths truly promotes our values of always relating with honesty and integrity, so that we can continue to build trusting relationships with you – our valued clients.

So now, my heartfelt thank you goes out to our amazing Petschauer Team! They are always open and committed, as I was, to seeking every opportunity to learn and grow so that they can continue to keep you, your families and your businesses protected and feeling safe. I am truly blessed to have them as my Team!

To you: our clients, I am so grateful and appreciate your continued trust in us and the values we uphold.

I wish everyone and their families a very blessed, safe and wonderful Thanksgiving holiday. May you all take this time to reflect on the many blessings in your life.

Petschauer Insurance’s Guide To A Happy And Safe Thanksgiving

Thanksgiving turkey

The Thanksgiving holiday is an awesome opportunity to spend quality time with family and friends, enjoy great food, and create long-lasting memories! We want to ensure that you have the most enjoyable time you can. With that in mind, please allow us to share some great tips around safety and extracurricular activities to make this holiday a phenomenal one from start to finish!

Cooking Up A Great Meal: Preparing the turkey and all the tasty fixings is a big part of the Thanksgiving tradition. In an effort to help everything go smoothly, Travelers Insurance provides a fantastic guide of do’s and don’ts for cooking a successful meal, complete with smart cooking attire ideas and what to be mindful of in the kitchen. The company also provides reassurance by explaining what to do in the event of a fire.

Helping Your Pets Enjoy Thanksgiving: While you and your loved ones enjoy a great meal, your pets deserve to be treated to something good as well. Cooked turkey, sweet potato, and green beans will help them truly embrace the spirit of the holiday! However, as tasty as they may look, the ASPCA suggests that you keep the sweet treats away from your furry friends!

Thanksgiving family dinner

Thanksgiving Gifts That Keep On Giving:  Hosting Thanksgiving at your home will allow you to reap all the benefits of leftovers that last for days! In the spirit of rewarding the host for all of their efforts, Nationwide’s Thanksgiving blog outlines some very creative spins on a bevy of leftovers recipes that may make dinnertime easy for the foreseeable future: try stew, stuffed peppers, and plenty of finger food.

From football, to board games and pleasant conversations, the outstanding traditions often go far beyond the food. Thanksgiving is a time to be grateful and count our blessings, so we would like to wish you and your loved ones a Happy Thanksgiving filled with wonderful memories as you enjoy each other’s company.

Open Enrollment 2018: Key Information, Dates and Reminders

Doctor visit

If you are currently without health insurance, Open Enrollment for individuals is here. Open Enrollment is your opportunity to purchase this coverage so that you can be covered on January 1, 2018.

It is important to be aware that if you are earning an income above the Federal Poverty Level, you will be required to pay a penalty for any three consecutive months that you are without health insurance. If you have lost your coverage previously sponsored by an employer, or you no longer qualify to be on your parent’s plan because you are over 26 years old, Open Enrollment is your time to take action to purchase health insurance.

Here is how you can take advantage of this sign-up period to secure health insurance and avoid any subsequent penalties.

What is Open Enrollment?

This is a period during which an individual can apply for health insurance with fewer restrictions than any other time during the year. It is important for those uninsured individuals to make note of this eligibility period. Open Enrollment for the calendar year of 2018 extends from November 1st through December 15, 2017. During Open Enrollment, insurance companies    waive underwriting guidelines and any requirement for evidence of insurability. When Open Enrollment ends on 12/15/17, individuals seeking coverage need to be “qualified” for Special Enrollment, or they will be required to wait until the next scheduled open enrollment period for 2019.

What is Special Enrollment?

This is a period outside open enrollment during which you are given an exception and can purchase health insurance following a qualifying life event, including divorce, marriage, birth, adoption, moving, death and loss of employer sponsored coverage.

How can individual insurance be purchased?

A number of Health Insurance Companies are offering Individual health coverage either directly through health carrier websites, via the New York State Health Exchange, or off the Exchange through independent insurance brokers.

What penalties will you be responsible to pay if you are not covered?

In 2018: $695 or 2.5% of income (individual) and $347.50 (child). The maximum penalty will be set at $2,085.

Health insurance is extremely important for all individuals, even for those with a clean bill of health. Accidents happen, as do unforeseen illnesses.  The cost of emergency room visits, x-rays, MRIs, hospital stays and doctor visits can all add up and be a financial burden to you and your family. We urge you to take advantage of this opportunity to purchase health insurance.  Please contact us with any questions you have about Open Enrollment.