Tag Archives: petschauer insurance

Will your boat insurance keep you afloat this summer?

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With the warmer temperatures and sunny skies near, boating season is officially here! As you prepare your boat and look to embrace the summer season, do you ever wonder if you have adequate coverage or what else determines your insurance rate? Let us share some boating information with you.

Your basic boat policy will include Physical Damage, Liability, and Personal Property coverages. Physical Damage covers the boat in the event of collision, sinking, fire, and/or theft. In some cases, it may also cover your motor, auxiliary and fishing equipment. Liability protects you in the event of personal injury and/or damage to someone else’s property. Personal Property coverage extends to the personal belongings on the boat, including your clothes, entertainment equipment, etc.

Other characteristics that could factor into the pricing of a policy may include:

  • Age of Boat — how old is your boat?
  • Length  — What is the size of your boat?
  • Value – How much is your boat worth?
  • Speed/Horsepower – How fast is your boat?
  • Type — Is your watercraft an Inboard, Outboard, utility, cruiser, bassboat, saltwater fishing, or performance boat?
  • Territory/Usage — Will you sail your boat on an ocean, lake, bay, or river? Are you using this boat as a primary residence? Is it being used for racing purposes?

Valuation methods also factor into pricing and determine how much you will be paid in the event of a loss. The two most common valuation methods are Agreed Value and Actual Cash Value.  “Agreed Value” is based on the boat’s value when the policy was written. While it can cost more up front, there is no depreciation for a total loss of the boat. On the other hand, “Actual Cash Value” will only pay up to the value of the boat at the time the boat was lost or damaged.  These policies cost less up front, and depreciation is factored into the valuation.

Have more questions about your rate and the opportunities you may have to increase/upgrade your coverage? Feel free to contact us so that we can review your options. Otherwise, it’s time to sit back, relax, and enjoy your time in the sun on your boat!

2017 Mother’s Day Message from Our President

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Mother’s Day is a day to reflect on the lives of the special women who have impacted your world like no one else.  They may be your mom, a relative, a friend, a neighbor, a doctor, a teacher.  She is any woman that has the gift to help you realize your potential and worth, help you through the tough days, share your joys on the awesome days, and simply help you love and be yourself.

On this Mother’s Day, I celebrate and honor the amazing woman in my life, my Mom.  Her soft voice and encouraging words help to always keep me grounded and focused during my busy days leading our Petschauer team.  She truly is like a mother to each of our team members in the office. During those care free days we spend together, she makes me laugh and helps me feel so loved and relaxed.  There are no words to express how grateful I feel for her constant love and support throughout my life.

I wish you a very Happy Mother’s Day filled with love and laughter, as you are being celebrated and honored for all you do.

For those of you whose special women are no longer present, may the memories of their lives and love fill your hearts and your Mother’s Day with smiles and joy, as they are with you in spirit.

Happy Mother’s Day!

2017 New Year’s Message from Our President: Heidi Petschauer

 

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In 2016, we at Petschauer Insurance, focused on putting down our roots in our new home here in Garden City. Our goal was to enhance our client experience by promoting our brand of honesty and integrity so that we could continue building strong and trusting relationships.  It was also equally important for us to promote our brand within the Petschauer Team. We believe that being honest, relating with integrity and building trust by using our collaboration skills, enables us to work together as a team so that we can share our knowledge with you. Together, we can build the best insurance protection plan so that all your needs are covered.

I wholeheartedly thank my entire awesome Petschauer Team for their continued dedication and commitment to enhancing their insurance knowledge and for embracing our professional development and values. Their amazing perseverance, independence and team spirit is what fuels our success.

I also thank you, our clients, for giving us the opportunity to help protect you and provide you with the most current information to help you make good insurance choices for you and your family.

As this New Year begins, I wish everyone health, love, happiness and success throughout 2017.

HAPPY NEW YEAR!

Building Our Communicative & Collaborative Skills At Our Team Building Outing

143For 12 years, Petschauer Insurance has committed to annual team building outings so that all employees have a chance to develop professionally. JP, our founder, always invested in being honest and having integrity when he related to his staff and clients. We are honoring and promoting his legacy and brand by honing our collaboration and communication skills during this outing.

Our day began with an active discussion led by Dr. Josie Palleja, our management consultant. She engaged us by asking each person to reflect on what their personal brand was. She helped us think about our values and how we act out those values.  We were each able to define our personal brand.

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She then led us in an active conversation about our coping skills. Everyone spoke about how they coped with stress, confusion, and frustrating situations.  We then wrote down what strategies we would use to manage these challenges in a positive way.  Afterwards, we were then anchored with our emotional intelligence and strategies to handle what we were going to face in the day ahead.

We made our way to Artrageous,” a studio for ceramics and painting activities. We picked out the items we wanted to work with, then coordinated the design, colors, and décor of our projects before starting. Immediately, we were presented with the challenge of having to make decisions quickly.

049At Artrageous, Dr. Josie had 2 staff members work with us.  She previously arranged with them to provide us with conflicting instructions. The first staff member gave us one set of instructions and then immediately after that, the second staff member gave us conflicting instructions. All the while, we were held to very specific and tightly timed deadlines so we could complete each individual task.  We were challenged to engage our emotional intelligence and collaboration skills so we could remain positive and focused through some frustrating and confusing experiences.

You could feel the Petschauer team really collaborating amid confusion and conflicting direction. Some in our group acted quickly and were more hands on, while others took a step back to reflect and assess the situation before responding.  070

Our communication was open, positive, and supportive while we shared creative ideas, suggestions, and offered assistance to any teammates. The clock was ticking. As we approached our time limit, we were all helping each other. Sounds of laughter and singing were in the air while everyone finished their projects. Our mosaic pieces were unique, interesting, bright and just simply fabulous!

072When we debriefed about our experiences, it was clear that the outing gave each of us at JPI an opportunity to use our emotional intelligence. Did our strategies work? When we experienced challenging situations, did we respond the way we thought we would have? Amazingly enough, each of us found we stayed true to our personal brands. We all had the opportunity to share what we learned about ourselves, how we dealt with challenges, and what kind of decision-making process we exercised.

Overall, the emotional and intellectual muscles we flexed throughout the day helped us learn that we can meet the needs of our clients by communicating in a clear, positive, and effective way.

At Petschauer Insurance, we always aim to provide our clients with the best information to help them make good decisions for themselves, their families, and/or businesses. Our goal is to build trusting relationships that will last a very long time.

Group picture outing