Moyer & Moyer Insurance Blog

5 Steps to Reduce Risks of Bursting, Freezing Pipes

water pipes in building
A burst pipe is more than an unpleasant problem; it can also have a devastating financial impact on a property owner. With the average burst pipe claim  costing $15,000, it is vital for homeowners and church leaders to take measures to address freezing pipes. Reduce your risk of freezing pipes bursting in your home or church with the following tips. 1. Make sure pipes in your home or church are properly insulated. Pay special attention to exposed pipes, as they are more likely than other pipes to freeze. Your degree of protection will rise with the amount of insulation you apply, so be careful not to skimp on your insulation, especially if you live in a raised home that is  more prone to freezing pipes . 2. Wrap pipes with heat tape. This can provide added protection to your pipes and can also help counteract the freezing process if it...
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Flu Prevention Just in Time for Flu Season

Flu Prevention Just in Time for Flu Season
Every fall to winter season, we come upon the inevitable start of flu season. During this time, we also face the decision of whether to get a flu shot. According to the CDC , peak flu season occurs from December to February. "Millions of people are sickened, hundreds of thousands are hospitalized and thousands or tens of thousands of people die from the flu every year." Follow these flu prevention tips to reduce the risk of falling ill this upcoming season. Wash Your Hands Properly One of the easiest and most cost-effective practices for overall health and flu prevention is washing your hands thoroughly. Hands should be washed not only after using the bathroom, but also before eating, and whenever you have been in contact with potential pathogens (i.e. anytime you are exposed to other people's germs). Any temperature of water and kind of soap can be used. The secret...
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Identity Theft: Are You at Risk

Identity Theft Are You at Risk
In the USA Today article “ Identity Theft Hit an All-Time High in 2016 ,” consumer advocate, technology expert, and author Bob Sullivan stated, "about 1 in every 16 U.S. adults were victims of [identity] theft last year (6.15%) — and the incidence rate jumped some 16% year over year.” The US Department of Justice defines identity theft and identity fraud as " all types of crime in which someone wrongfully obtains and uses another person's personal data [...], typically for economic gain. " Four consequences of having your identity stolen:  Submission of your identifying information on fraudulent loan and/or credit card applications Withdrawal of money from your bank accounts Fraudulent use of your online accounts Identity theft opens the door for the identity thief to secure goods or services which s/he would have otherwise been denied, if it were dependent upon his or her own identity. It can happen...
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Must Haves for Your First Aid Kit

Must Haves for Your First Aid Kit
Accidents are unpredictable and seem to happen when you least expect them. Having a well-stocked first aid kit is essential, especially when it comes to young children. Items listed below are a starting point for you to explore other important tools to add to your first aid kit. Take time each month to inspect your first aid kit to ensure all items are stocked and not outdated. Keeping a list of all items, the expected quantities, and expiration dates inside the kit can make it easier to manage. Over time you can add items you find beneficial to your environment and experiences. Non-latex gloves to protect against the spread of infection Sterile dressings for wounds including: Absorbent gauze pads and gauze wrap Adhesive tape Adhesive bandages in multiple sizes Antiseptic wipes or alcohol wipes to clean wounds Topical ointments: Antibiotic ointment for open wounds Hydrocortisone cream for insect bites and...
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How is Your Church Prepared to Evacuate in the Case of an Emergency?

exit sign in building
In case of disaster, have you discussed the need to evacuate with your members and guests? Do you have an action plan prepared and posted in plain sight for everybody entering the building? Emergencies and disasters happen at a moment's notice, sometimes without any warning. Suddenly out of nowhere, a church of joy can turn to crisis of pure chaos. When an emergency that produces fear or panic hits a group of unprepared people, the fight or flight instincts trigger to keep us safe. People may react uncharacteristically, often hurting each other in mayhem more than the threat itself does in the aftermath. For that reason, it is critical to be prepared for evacuation anytime a group of people has gathered at your church. The more people a church has gathered, the more critical the need to ensure the safety of all who attend. With some, like a tornado or...
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Disaster Preparedness Tips for Property Owners: Eleven Foods Which Can Be Stored Long-Term (Part II)

Disaster Preparedness for Property Owners
If a disaster hits, you need to be prepared. In our last blog, we examined six foods that can be stored long-term—not just for a few months but many years. This week we check out the last five long-term foods in our disaster preparedness tips for property owners . Sugar What would our lives be like without sugar? It’d be pretty boring! Although sugar is like salt in that it’ll absorb moisture, you can eliminate the problem by simply adding a bit of rice to the sugar container. We all know that sugar is a good sweetener for breads, drinks and cakes; but did you know sugar has other uses too? Sugar works well as a preserver, as a beauty aid, in your garden, a cleanser for spice or coffee grinders, removing grass stains from clothes and curing. It even works as an insecticide—if you have cockroaches, use equal parts...
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Disaster Preparedness Tips for Property Owners: Eleven Foods Which Can Be Stored Long-Term (Part I)

Disaster Preparedness
When you’re attempting to store food for a long-term period, it’s important to know which foods can last forever—well, okay, at least for your life. You and your family will depend on these items if a disaster strikes. For long-term food storage, preppers should consider purchasing food in bulk; you should search for items that will stand the test of time and have many uses. In the first part of disaster preparedness tips for property owners , we look at six of these long-term foods. Salt The shelf life of this mineral is limitless even though it can soak up moisture. If a catastrophe happens, such as the collapse of our country’s government or a third world war, you’ll discover that salt will be vital for survival and a terrific bartering tool. It has many uses such as medical, preserving, a fire extinguisher, tanning hides, cooking, a deicer, curing, cleaning...
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Firework Safety

Firework Safety
Independence Day just wouldn't be the same without fireworks, but all that fun can be a bit dangerous: in the month around July 4, about 230 people go to the emergency room every day as a result of a fireworks-related injury. These include burns, lacerations, and eye injuries. In 2014, children under the age of 15 suffered 40 percent of all fireworks-related injuries. That doesn't mean you have to stay home on July 4, but you should follow a few fireworks safety guidelines to ensure a happy, healthy holiday. The National Council on Fireworks Safety shares these tips: Know and obey all laws regarding fireworks in your area. This might include rules about what types can be used and where they can be set off. Don't use homemade fireworks. Don't let children use fireworks. An adult should be supervising at all times. Don't drink alcohol while using fireworks. Keep water...
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Signs of Employee Fraud or Theft in Your Organization

Signs of Employee Fraud in Your Organization
It’s unfortunate, but fraud or theft on the part of employees is all too common. It’s estimated that one-third of employees will steal if given the opportunity. Theft costs employers nationwide about $50 billion every year. How do you protect against employee fraud or theft? Vigilance. Watch out for these warning signs of employee fraud or theft . A sudden upward change in spending habits. If someone is suddenly driving an expensive car with a decidedly moderate income, wonder why. It could be entirely legitimate: a gift, a bequest in a will, or good investments. Maybe he or she has been saving for a long time. But sudden evidence of large expenditures is a leading sign of theft or fraud. Expensive homes, clothes, vacations — all could be signs if the person could not afford these things on a salary. Working before or after hours. If people are either stealing...
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Prevent Slips and Falls This Spring: Steps to Follow

Prevent Slips and Falls
Although Spring is beautiful, it's also a time when slips and falls can occur more frequently than they do in other seasons. Why? Well, the very showers that bring flowers can cause slip and falls. All you need is blame your organization, and leave it liable for damages -- for medical care or time off work. In addition, people may be unprepared for the weather activity that can cause slips and falls. They may go out without umbrellas or hike through a lawn, not realizing the degree of mud or rain. So what's the best way to PREVENT SLIPS AND FALLS THIS SPRING ? Here are 4: Make sure you have equipment to clean up and warn. In case of water on stairs or walkways, you need mops and buckets. You need warning signs, barricades, and/or cones to warn the public about any potentially unsafe conditions. Have enough of both....
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