Moyer & Moyer Insurance Blog

Becky Moyer

Three Ways to Motivate Non-Profit Employees

How to Motivate Non-Profit Employees
Many non-profits don't have the budget for large salaries or great benefits. While the pay can be good, it's not going to rival that of large tech firms or Wall Street brokers. Most managers use salary or financial perks as one of the tools to motivate their people. Do great work; get a nice salary boost at the end of the year. Non-profit managers may not have that at their disposal. Still, most employees need some sort of motivation. How can you motivate non-profit employees ? Here are three ways: Hire people who believe in the non-profit's purpose. This is a great way to find motivated employees. Whether your non-profit helps the homeless or raises funds for cancer patients, people who believe in the mission have a built-in motivation. If they or a family member have been part of the population served at some point in their life, even better. Provide...
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BJ Moyer

Insurance Basics: What is Identity Theft Insurance?

Identity Theft Insurance Basics
Identity theft is a form of fraud that occurs when someone uses information about you -- such as credit card numbers, your address, or bank account numbers -- without your permission. According to the Bureau of Justice Statistics , nearly 18,000,000 people were victims of some form of identity theft in 2014. That's nearly 10% of the population. Unfortunately, account holders are held responsible for paying off what a thief charges on their accounts. When someone's identity is stolen, expenses for legal fees and other administrative costs for getting their accounts in order and clearing their name can really pile up. The good news is, a modern type of insurance called an identity theft policy may cover these costs should you be the victim of identity theft. Identity theft insurance reimburses policyholders the costs related to recovering from identity theft, not the dollar amount stolen as the result of the thief's...
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Becky Moyer

How to Transform Your Church into an Emergency Shelter

Tips for Turning Church Into an Emergency Shelter
Natural disasters such as hurricanes, wildfires, floods, tornadoes and landslides displace millions of people each year. While there's no way to prevent them from occurring, church owners can provide much-needed assistance to individuals and families who are affected. So, how do you transform a church into an emergency shelter ? Check Local Laws Before renovating or making any major changes to your church, check the local laws. Some cities and counties have requirements in place for creating an emergency shelter, such as shower facilities, restrooms, sleeping areas, etc. Failure to comply with these requirements could result in costly fines and/or temporary closure of your church. Fire Safety Contact your local fire department for more information on the fire safety requirements of an emergency shelter. This may include an occupancy limit; illuminated fire exit signs; maintaining clear paths to those fire exits; and functional fire extinguishers readily available. Supplies You should also...
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BJ Moyer

5 Steps to a Successful Background Screening in Your Organization

Tips for a Successful Background Screening Process
Background screenings are essential before hiring someone for your organization. You need to know that the person is of good character and trustworthy. Doing so is an important part of your stewardship of your organization’s trust. It is also an important part of stewardship of outreach and of funds. It’s not uncommon to be unclear about exactly how one does background screenings. Here’s a handy five-step guide: Get authorization. According to Federal law, you must get authorization for a background screening from the person being screened. You may want to include this in an application form. Check references. You can get references from the applicant’s volunteer or work history, or from teachers. It’s a good idea to talk to past supervisors. Depending on the needs of your organization, you may have a place where applicants can put references on the application form, or you may require it only after an interview....
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Becky Moyer

Protecting and Keeping Children Safe at Church: Prepare for What Can Happen

Tips for Keeping Kids Safe at Church
Our children are our most important resource. We love them and strive to keep them from harm. We can never relax our vigils even in the place we feel the safest. Protecting and keeping children safe at church may seem an easy job, but without proper preparation, bad things can happen. Ready your church to take proper care of its littlest patrons. Screen the volunteers who offer to serve in your church. This is especially important if they want to work in a capacity that brings them close to children. It is sad to say but there are predators everywhere, and they can invade your church. Do background checks before putting a person on your staff. Hire a company that specializes in screening individuals. Educate church staff and volunteers regarding child safety. Make all the areas in your building safe for young ones. Take child proofing measures such as installing outlet...
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Becky Moyer

Identifying and Mitigating Threats to Your Church's Cyber Security Measures

Cyber Security for Church
Whether it is via outside hackers, inside plants, or innocent mistakes, if you have little more than a hope and a prayer that your church won't be hit by cyber security issues , you need to take a closer look at what vigilance and diligence really means in today's hyper-connected world. As stewards, many of our clients are tasked with protecting a church's resources not just from a legal standpoint, but from a spiritual standpoint, as well. As such, it is incumbent upon members and leadership alike to fully understand the threat represented by those who would mistake Christian kindness for an easy mark. Your first line of defense is to educate your staff (and in some cases, your congregants) on where the risks lie and what they can do to help mitigate them. This includes everyone from nursery volunteers to the pastor's executive secretary to your in-house accountant. For staffers,...
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BJ Moyer

What You Need to Know About the Importance of Flood Insurance

Importance of Flood Insurance
Did you know that all Americans live in a flood zone? Were you aware that your homeowner's policy doesn't cover floods? Everyone in the United States lives somewhere flooding can happen -- the only difference is that designated areas are labeled as zones with a varying degree of risk (low, moderate or high). And many people assume that their homeowner's policy covers flood damage, but that's not the case. Flood insurance needs to be purchased separately. These are just two things that people are surprised to learn about floods and insurance. Consider these additional "Flood Facts" from The National Flood Insurance Program : In the past five years, all 50 states have experienced floods or flash floods. Just a few inches of floodwater can cause tens of thousands of dollars in damage. In a high-risk area, your home is more likely to be damaged by flood than by fire. Flooding is...
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BJ Moyer

Burglary Prevention Tips: Four Ways to Prevent Home Break-Ins

burglary prevention
Burglaries are damaging. Your property and valuable items may be taken, and your feeling of safety diminished. Burglars may destroy parts of your home in the break-in, leaving you with repair and replacement costs in addition to the loss of any items taken. Fortunately, there are a number of things one can do to prevent burglaries. Here are four burglary prevention tips. Make sure your social media sites and emails are secure . If untrusted, or people outside of your friends and family get news that you’re on vacation, it could be shown in the eyes of the wrong person. Unfortunately, it’s possible that the pictures of your vacation on Instagram or Facebook are shared with unknown people, so make sure all your platforms are private. It’s a sad fact, but some of these people might see this as an opportunity to rob your home. As for e-mail, while it is...
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BJ Moyer

When is the Perfect Time to Buy Life Insurance?

life insurance
While there probably is no “perfect” time to buy a life insurance policy, there are key signs that will help guide you in the right direction. The key ingredient needed to answer that question is your stage of life and how many people are depending on you. Life insurance policies provide for payments to family: wife, children, or other dependents in the event that you die and your income was a significant source of economic support. Life insurance is also used to pay for death-related expenses, such as funerals. While contemplating death is never pleasant, the prospect of leaving young children without the financial support a parent provides isn’t either. Who Should Have Life Insurance If you have just married and are contemplating starting a family, it’s time for you to start looking into life insurance. It will provide for your spouse and children which is always a reassuring feeling. If...
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BJ Moyer

4 Night Driving Dangers and How to Cope with Them

night driving dangers
Driving after dark brings challenges that daytime driving does not. But, we can't always stay put when the sun goes down! There are a few simple ways you can keep yourself -- and others -- safe on the road, no matter how late your next car trip lasts. Here is a look at some common night driving dangers and tips for staying safe when driving at night. Night Driving Danger #1: We Aren't Cats It's simply more difficult for the human eye to see at night. Your vision is compromised by the lack of natural light, making street signs, other cars, pedestrians and animals very difficult to see. The lack of light also affects your depth perception, and it becomes more difficult to tell how far away you are from other cars or objects. You can adjust to (and respond better) to many of these challenges by simply reducing speed and staying...
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