Tag Archives: insurance

Petschauer Insurance’s Safety Guide To A Wonderful Tropical Vacation

Untitled design-4

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.

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.

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.

Great Tips For Keeping Your Cyber Information Secure

Technology provides us with great opportunities to make obtaining and sharing information easy, both in the workplace and our personal lives. While the below video from IIABNY refers to the insurance industry, it’s important for us all to be careful when communicating with others. You can come up with proper risk management procedures to prevent cyber liability. With October being National Cyber Security Awareness Month, this video is a great reminder with tips for the best practices.

How Will Purchasing Life Insurance Benefit Your Family?

Family dog

We would like to take this opportunity to shed light on the valuable benefits of purchasing life insurance. This is a chance to ensure your family is protected, accommodated, and comfortable in the event of your absence. Allow us to share some of the ways life insurance can take care of your family and potentially mitigate pressing expenses.

Income Replacement: If you’re the primary earner, your family depends on your livelihood. Life insurance can help your family cover the costs of expenses such as:

Mortgage: A mortgage may prove to be difficult to pay for as your family transitions to living life in your absence. The death benefit could help cover this cost while they adjust.

College Expenses: The death benefit could help cover tuition expenses for your children. It may take your spouse some time to find a job in your absence. Even then, there will be other expenses to account for and this benefit would allow your children to continue college with a smoother transition after their mourning period.

Family beachChild Care: If your spouse must work additional hours in your absence to supplement income or require assistance watching over young children, there may be a need for child care services. The death benefit can help pay for this expense.

Final Expenses: Your life insurance can also cover expenses related to your death, including:

  • Funeral
  • Burial
  • Last Rights
  • Medical expenses you leave behind that may not have been covered by health insurance.

Life insurance will offer your family some peace of mind while going through this sad and difficult time. Everyone’s situation is different, so feel free to contact us and we can tailor a plan that best fits your family’s needs in your absence.

Why Should Young Adults Consider Life Insurance?

Young Athlete

When’s the best time to purchase life insurance? The answer is NOW. If you find yourself thinking you’re too young to purchase life insurance, we urge you to stop and keep reading as we debunk other common life insurance myths with an assist from “Life Happens.”

It’s too expensive. In the ever-burgeoning budget of a young family, things like day care and car payments and possibly student loans eat up a good chunk of the money each month, and a lot of people think that life insurance is just outside those “necessities” when money’s tight. Life insurance is often not nearly as expensive as you might think, especially when you can get a good policy for less than the cost of a daily cup of coffee at the local café, and well, if money’s tight now, what if something happens to you? In other words, you cannot afford NOT to have life insurance.

I’m strong and healthy! You eat right, you stay active, and everyone admires how grounded and centered you are. You passed your last physical with flying colors! That’s GREAT! You’re neither immortal nor indestructible. It’s not even that something could happen to you—though it could—so much as when you’re at your strongest and healthiest, there’s no better time to get a policy to protect your loved ones. If you fall seriously ill or suffer significant injury later, it will make it tougher to get that kind of policy, if any at all. Simply put, purchase it now while you are healthy and it’s less expensive, so that it’s there for you and your family when cost/availability is out of reach in your mature years.

I don’t have kids. Kids are a big reason why some people get life insurance. That’s not the only litmus for needing protection. If there is anyone in your life who would suffer financially from your loss—your spouse or domestic partner, a sibling, even your parents—a life insurance policy goes a long way in making sure everyone’s still OK even if something happens to you. For peace of mind, purchasing life insurance now is key.

Check out more information from “Life Happens” during Life Insurance Awareness Month.