Moyer & Moyer Insurance Blog

BJ Moyer

Have You Heard of Umbrella Insurance?

Umbrella
As you already know, anything can happen at any time.  You have a variety of insurance coverages for a variety of risk.  Anything can and does happen and it’s important to keep yourself and your family protected. An option to mitigate this risk is umbrella insurance.  Have you considered it? Have you heard of it? Umbrella coverage basically gives your existing policies and added boost.  The benefit? You get to enjoy the comfort of knowing you’re covered and that anything unexpected can and will be taken care of when it eventually happens.  Peace of mind is great isn’t it? Even if you aren’t a multi-millionaire - you could still face a lawsuit seeking millions in damages.  Can you identify with any of the following? You use social media. You volunteer or work with your HOA You have guests, events, or parties in your home You own property You have a...
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BJ Moyer

Online Safety Best Practices

onlinesafety
Keeping your home and car protected is a must.  What about your digital identity? Your personal information is at risk any time you log on, but there are a few things you can do to keep yourself safe. Multi-Factor Authentication:  You’ve likely seen this feature (and hopefully you’ve started using it) in which additional verification is required to sign in.  Not just a password. You will likely need to set up security questions or you can have a code or verification text or email sent to your phone.  It’s really a win-win! Granted, it takes a little longer to log in, you’ll be thankful you have added layers of security in the event of an attempted breach. Backup Your Data:  Having your phone or computer stolen is awful, but losing documents, photos, files, etc. doesn’t have to hurt as much!  Backup your data in a variety of ways. Buy an...
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BJ Moyer

More About Business Insurance

More About Business Insurance
In our previous blog, we discussed some basics of business insurance.  I want to continue talking about business insurance and the various coverages and endorsements available to protect your business.  Owning a successful business is no easy feat. Should trouble come your way, it’s important to have business insurance to protect your investment and your brand.  There are a number of coverages to consider as there are a variety of risks specifically associated with commercial policies. Let’s take a look at the most common: Employee Practices Liability Coverage:  In this day and age, hiring and firing employees opens your business up to some risk.  You have likely heard about any number of lawsuits based on discrimination, wrongful termination, harassment or sexual harassment.  These type of claims will cost you money and time. With EPL coverage, you can rest easy and not have to face the stress and exposure to such...
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BJ Moyer

Paint Yourself Happier: The Psychology of Color

The Psychology of Color
  Do you feel like you get the winter time blues?  Do short days and a lot of time indoors make you feel kind of blah?  Seasonal affective disorder is very real. However, the psychology of color is, too!  As we ramp up for Spring and you start your Spring cleaning and outdoor projects, it may be time to update the colors in your home as well.  Updating the interior paint in your home can do a lot for its value. It can also do a lot for your mental and emotional health. When it comes to your home, think calm and inviting.  Let’s delve into the psychology of colors and where to use them in your home.  Colors and uses are: Whites:   White is associated with clean (hospitals and doctors).  /  Best rooms: Bathrooms and kitchen Blues: Blue is associated with calm and peacefulness.  /  Best rooms: Bedroom...
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