Tag Archives: petschauer insurance

How Will Purchasing Life Insurance Benefit Your Family?

Family dog

As part of Life Insurance Awareness Month, 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.

13th Annual Petschauer Insurance Team Building Outing

 

Petschauer Insurance recently completed yet another successful team-building experience at our 13th Annual Team Building Outing. We spent the day working on our professional development skills so that we always remain mindful and present when consulting and communicating with our loyal and valued clients. We did this all while having fun and learning to dance with Heather Berman at the Garden City Dance Studio! By supporting one another through the emotional intelligence process of turning our challenges into successes, these strategies enable us to continue being the best insurance professionals we can be for you! Watch our video and let us know what you think.

Keeping You Safe Through the Sunshine & Fun Summer Season

Family Dog Outdoors

After eagerly awaiting through the cold winter months, we’ve finally arrived at summertime! This is an opportunity to soak in the sun, go for a swim, grill up some burgers, and participate in a number of other fun outdoor activities.

Along with the incoming heat wave, however, comes a need for safety and increased awareness.  Taking cues from some of our carrier partners, we’d like to highlight ways to practice safety while still having fun this time of year.

BBQ

HOW TO BE SAFE WHEN MAKING a dynamite meal FOR FAMILY & FRIENDS: It’s important to check your propane tank for leaks before you begin. As you start cooking up that delicious food, make sure kids and pets are both far away from the grill.   Afterwards, be mindful to clean the grease/fat buildup off the grill and respective trays so that you are ready for your next fabulous meal!  For more suggestions, Travelers offers a full pre, during, and post grilling guide here.

Help your pets enjoy summer, too! Sometimes the blazing heat can just be too hot for us to bear on a summer day. There’s a good chance that our pets feel the same way. According to the ASPCA, it only takes ten minutes for the inside of a car to reach 102 degrees on an 85 degree day.  Please, do not even think about leaving pets in the car, even for a minute while you run into a store!  This can lead to hyperthermia or WORSE! There are ways to make your furry friends comfortable during the sunshine.  Here are a few: when traveling outdoors with your pet, carry large amounts of cold water, exercise during cool parts of the day, find shady areas or bring umbrellas, walk in the grass and be sure they always wear a life vest if they are near the water or on a boat.

Pool PartyMake a positive splash! It’s always an exciting time of year when opening the pool. If you have young kids around, there are ways to ensure a safe environment before you officially hit the water. It would be best to secure the perimeter with fencing, a gate, and/or locked entrance. You can also equip the pool area with life preserver rings and rope, as well as a reaching pole with a rescue hook. Trusted Choice provides more pool safety/maintenance tips here.

One small step for “man”, one giant leap for safety!  The warm weather allows us to enjoy a variety of outdoor activities we look forward to all year round. For some, that includes jumping on a trampoline, using fire pits and waterfalls. Coverage on your homeowner’s policy may vary depending on the carrier so call your agent today to be sure your guests are covered in the event of an unforeseen accident. There are carriers that provide coverage based on certain safety measures being met. For your convenience, Nationwide offers insight as to how you can forge ahead with caution.  In addition, Travelers has you covered as well!

We’re all excited for summer and we wish you a safe and fun time!  Enjoy the start of the season!

What are the benefits of taking a defensive driving course?

Driver seatbeltWhen speaking to our clients about their auto insurance, we are often asked what determines their premium and what opportunities they may have to help lower it without jeopardizing their coverages.  In the interest of offering helpful information, we have one potential solution for you.

We’d like to share the benefits of taking a defensive driving course. Completion of a New York DMV-approved Point & Insurance Reduction Program will result in a 10% reduction of a driver’s liability, no fault and collision premiums. The discount extends over a three year period and applies to each vehicle for which you are considered the primary operator. In addition, it could result in up to a 4-point reduction on your driving record if you have previously received a traffic ticket.  The course would also be a good opportunity for young drivers who have recently received their licenses and/or more experienced drivers to benefit from a refresher, all while lowering their rate at the same time.Driving School

There are two different ways to take the course.  We offer this course online via our website to easily fit into your busy schedule.  If you prefer the in-person engagement, there are also classroom-sessions available.  You can click here for a full listing of New York state locations offering this type of option.

This is just one of the ways you can work on lowering your premium.  Feel free to contact your agent for more suggestions and/or information about your auto policy. We would be happy to answer your questions and review your options!

Will your boat insurance keep you afloat this summer?

Boat

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

 

new-years-2017

 

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