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Scurich Insurance Services has been serving the Monterey Bay Area since 1924. Our mission is to partner with our customers and provide them superior service and value. We are a member of United Valley Insurance Services, Inc., a cluster of over 70 California Independent Insurance agencies, which produced over $530,000,000 of annual premium last year. At Scurich Insurance Services we understand your business and our community. Our customers look to us for comprehensive solutions. We have established relationships with more than 40 of the nation’s leading insurance providers, which allows us to deliver multiple, competitively-priced options and a team of experts to guide you through the process. When you need to file a claim, change a policy or process a certificate you can depend on Scurich Insurance Services to respond quickly to your request. SERVICES In order to provide value added benefits to our customers that go beyond the insurance policy Scurich Insurance Services offers the following additional services: Safety Programs – English and Spanish OSHA Compliance Safety Policies – English and Spanish Online OSHA 300 Log Safety Posters and Payroll Stuffers - English and Spanish Certificates of Insurance – If received before 3:30pm done the same day Risk Management Consulting Brokerage Services Represent most major insurance companies to better market your account. Safety tapes/DVD’s BUSINESS LINES Commercial Commercial Packages Business Auto Workers Compensation Umbrella Bonds Directors & Officers Professional Liability Employment Practices Liability Personal Auto Home Umbrella Recreational Vehicles Boatss Life & Health Individual Medical Individual Life Group Medical Group Benefits

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Posts tagged with Family - Family

NIOSH Offers Tips On Preventing Work-Related Highway Crashes

Author TonyScurich , 8/26/2016
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Employment-related accidents behind the wheel are the leading cause of death from traumatic injuries in the workplace, killing some 2,200 people a year and accounting for 22% of job-related fatalities. Deaths and injuries from these accidents increase costs and reduce productivity for employers - while bringing pain and suffering to family, friends, and coworkers.

Preventing work-related roadway crashes poses a significant risk management challenge. The roadway is a unique work environment. Compared with other work settings, employers have little ability to control conditions and exert direct supervision over their drivers. The volume of traffic and road construction continue to increase, while workers feel pressured to drive faster for longer periods, and often use mobile electronic devices that distract them behind the wheel.

To help reduce this risk, for both long-distance truck drivers and employees who occasionally use personal vehicles for company business, the National Institute for Occupational Safety and Health (NIOSH) recommends that employers follow these precautions:

  • Require drivers and passengers to use seat belts.
  • Ensure that employees who drive on the job have valid licenses.
  • Incorporate road fatigue management in safety programs.
  • Provide fleet vehicles with top quality crash protection.
  • Make sure employees receive training to operate specialized vehicles.
  • Offer periodic vision screening and physicals for employees whose primary job is driving.
  • Avoid requiring workers to drive irregular or extended hours.
  • Prohibit cell phone use and other distracting activities such as eating, drinking, or adjusting non-critical vehicle controls while driving.
  • Set schedules that allow drivers to obey speed limits.
  • Follow state laws on graduated driver's licensing and child labor.

For more information about how to prevent work-related driving deaths and injuries, just give one of our Risk Management experts a call at any time.


Auto Liability Insurance: How Much Is Enough?

Author TonyScurich , 3/7/2016
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Have you ever wondered about the three numbers that are part of your Auto Liability insurance, usually written in this form: XX/YY/ZZ?

The first number refers to the maximum amount of Bodily Injury Liability (BI) for an individual injured in an auto accident; the second is BI per coverage per accident; while the third covers Property Damage Liability (PD) per vehicle. For example a policy with 30/60/15 Liability coverage would pay up to $30,000 in BI per individual, $60,000 worth of BI per vehicle, and $15,000 in PD per vehicle.

Every state requires drivers to carry a minimum amount of Liability coverage under their Auto policy. Limits by state vary from 10/20/10 in Florida to 80/100/25 in Maine. These numbers have remained fairly stable for a number of years.

However, because a car accident can cost far more than the Liability minimums that most states require, people usually carry more coverage. The Insurance Information Institute recommends that you have at least $100,000 of BI protection per person and $300,000 per accident (known as 100/300).

If you hold the minimum coverage required by your state and you're involved in an accident in another state that requires higher minimum coverage, the chances are that your policy limits will increase automatically to meet the other state's minimum requirements.

We'd be happy to make sure that this feature applies under your Auto insurance - and to discuss the most cost-effective ways of protect yourself and your family from liability for accidents behind the wheel (such as increasing your Liability coverage or choosing higher deductibles).

For a complimentary review of your policy, just give us a call.


Social Media As A Hiring Tool - Employer Beware!

Author TonyScurich , 1/8/2016

4The spread of social media has revolutionized not only the way we connect with friends and family, but also how we conduct business. However, this asset can quickly turn into a liability if misused - for example, in recruiting your company's most valuable asset - its employees.

Many employers begin the hiring process by using social-media outlets to screen applicants. LinkedIn and Facebook can provide a wealth of information about applicants' education, their friends, and their personal behavior. Some companies reject candidates based on the content of their social-media pages. This might include anything from inappropriate photos or comments, discriminatory or slanderous statements, and references to alcohol and substance abuse, to sharing confidential information about their previous employers(s), displaying poor communication skills, or exaggerating their qualifications.

Although all of these indicators raise red flags, you could be risking a costly and annoying discrimination lawsuit if you access social-media sites which contain protected class information that's not privileged in the normal hiring process.

To minimize this risk, it makes sense to:

  1. When hiring, use outside third parties such as background-verification companies and/or recruiters who document content from social-media sites in selecting candidates
  2. Develop and enforce a comprehensive social-media usage policy.
  3. Purchase an Employment Practices Liability Insurance (EPLI) policy

For more information, please feel free to get in touch with our agency


Happy Holidays!

Author TonyScurich , 12/23/2015

Scurich - Happy Holidays

It’s the Holiday season and we just wanted to say ‘ Thank You ’ and that... It’s been a pleasure working with you this year... Hope you and your family have wonderful Holidays and... A Happy New Year.


Grill Fruit and Veggies to Boost Your Summer Health

Author TonyScurich , 7/27/2015

You already cook meat on the grill. Why not add fruits and veggies? They help you boost your summer nutrition and taste delicious.

Choose Fresh Produce Whether you decide to grill pineapple, watermelon, corn or asparagus, make sure it's fresh. Ideally, the produce you grill should be firm and picked within the past three days. Brush on the Oil You'll want to stock quality canola, olive or coconut oil in your pantry before you grill produce. It adds extra flavor to your grilled produce and a light coating works together with foil packets or a non-stick grate to ensure the fruits and veggies don't stick to the grill. Mix a Few Marinades In addition to the oil, prepare a few marinades. Olive oil infused with herbs, raspberries, mint or other flavorings, honey and low-fat or Greek yogurt enhance the taste of your grilled produce. Leave the Skin On The skin of many fruits and veggies contains healthy nutrients. So, leave veggie skins on when you grill them and maximize the nutrient content of the grilled veggies you eat. Most fruits, however, grill better without the skin. Pre-Cook Some Veggies Certain veggies cook more evenly on the grill when you pre-cook them in the kitchen. To prep asparagus, beets, broccoli, parsnips, potatoes, squash and carrots for grilling, steam or blanch them until they're al dente. Alternatively, tomatoes, sweet potatoes, peppers, mushrooms, onions and eggplant will cook evenly when you grill them raw. Use the Right Temperature When you cook fruits and veggies over moderately hot coals, the outside could cook faster than the inside. You'll want to rotate the produce between direct and indirect heat so that each piece cooks evenly and completely. Whether you cook for one or 100, prepare fruits and veggies on the grill and enjoy a summer nutrition boost. They help you stay healthy, and you'll feel good knowing that you're helping your family and friends stay healthy, too.  

When wildfire spreads, preparation is key

Author TonyScurich , 6/8/2015

Get tips on how to prepare for wildfire.

Wildfire preparation

Wildfires can pose particular dangers because they often begin unnoticed and can spread quickly, threatening both lives and property in their paths. If you live in an area prone to wildfires, you can help keep yourself, your family and your property safe by taking steps to reduce your risks.

Well before a wildfire threatens

  • Keep your home well maintained by regularly cleaning your gutters and trimming tree limbs that may be too close to your home. Be sure your smoke alarms are working, fire extinguishers are operational and a home escape ladder is accessible if you need to evacuate quickly from an upper floor.
  • Landscape your home with wildfire safety in mind, using fire-resistant shrubs and trees.
  • Maintain a defensible space zone between structures and natural growth that is free of brush, trees and grasses to help keep a wildfire from getting too close to your property. If you live on a hill, extend that zone on the downhill side, since fire can race uphill quickly.
  • Prepare a survival kit, map out an evacuation plan and create a home inventory of all your belongings. Visit our preparedness timeline to learn more about disaster planning.
  • If you are remodeling your home, think about including fire-resistant materials such as non-combustible roofing and siding and fire-rated glass or fire shutters for windows.

When a wildfire approaches

  • Stay tuned to local news about wildfires in the area, and follow evacuation instructions given by local officials.
  • Review emergency plans with your family. Be sure to designate a meeting place and a check-in telephone number if you are separated during evacuation. Also make certain that everyone has emergency numbers stored in their phones.
  • If you have time, close windows, doors and blinds and shut off utilities. Open the fireplace damper and close fireplace screens.
  • Have your car ready to leave at a moment’s notice and keep the keys handy. Roll up the windows to keep smoke out.

What to do during a wildfire

  • If advised to evacuate, do so immediately. Wear protective clothing, such as a long- sleeved cotton or wool shirt and pants, and take a wet cotton towel or handkerchief to protect your face.
  • Take your survival kit and choose a route away from fire and smoke. Follow your evacuation plan and be sure everyone knows where to go and what to do.

How to respond after a wildfire

  • Check with fire officials before attempting to re-enter your home. Use caution when entering since fires can re-ignite quickly, even after dying down.
  • Discard any food or medication that came in contact with smoke or fire.

At Travelers, we understand that a wildfire can be a frightening and dangerous event. We hope our expertise and insight will help you protect your family and property no matter what comes your way. For more wildfire safety tips, visit the Insurance Institute for Business & Home Safety® website.


Tree maintenance can minimize property damage

Author TonyScurich , 5/15/2015

The trees in your yard can enhance your property, provide shade and offer abundant environmental benefits. However, trees can also pose a safety hazard to your family and your home if they are not properly inspected and maintained.

Trees can present a particularly significant danger during a storm. Wind, lightning, snow and ice can all transform a tranquil row of trees into an imminent threat to your property. Proper tree maintenance involves more than pruning and trimming overgrown branches. These are some of the key steps you can take to protect your trees and prevent them from becoming a safety hazard.

The trees in your yard can enhance your property, provide shade and offer abundant environmental benefits. However, trees can also pose a safety hazard to your family and your home if they are not properly inspected and maintained. Trees can present a particularly significant danger during a storm. Wind, lightning, snow and ice can all transform a tranquil row of trees into an imminent threat to your property. Proper tree maintenance involves more than pruning and trimming overgrown branches. These are some of the key steps you can take to protect your trees and prevent them from becoming a safety hazard.
Steps to Take Before a Storm
  • Remove any dead trees on your property.
  • Enhance the health of trees through timely watering, proper fertilization and protection from soil compaction. Healthy trees will be able to better adapt to changes in the environment, remain firm in the wind and react more effectively to damage.
  • Regularly prune dead or broken limbs to help trees maintain their structural integrity. In addition, thin excess branches every three to five years. For more information, visit arborday.org.
  • Remove or treat pest problems as soon as you spot them to minimize potential damage to trees. Be careful not to over-treat tree hollows, and do not remove decayed wood from hollows unless it falls away in your hands. Cleaning hollows can cause additional internal damage to trees. If possible, cover the opening to hollows.
Six Signs to Monitor When performing maintenance on the trees in your yard, please make safety a priority. If you are unable to safely prune or remove trees and limbs, contact a professional tree-care service or arborist to help you do so. It may be a good idea to consult with a professional if the trees in your yard already display any of the following characteristics:
  • Cracks in the trunk or major limbs
  • Signs of hollowing and decay
  • Mushrooms growing from the bark
  • Significant leaning to one side
  • Limbs in contact with power lines
  • Branches hanging over your house
    • Although the branches may not be touching your house under normal conditions, high winds can cause trees and branches to bend or break.

Sources: Travelers, Clatterbuck, Wayne. "Storm-Damaged Residential Trees: Assessment, Care and Prevention." Extension.Tennessee.edu. The University of Tennessee; Coder, Kim. "Storm Damaged Trees: Prevention & Treatments." Warnell.Forestry.UGA.edu. The University of Georgia.


Lower Your ATV Insurance Premium With Seven Tips

Author TonyScurich , 3/16/2015
atvRiding ATVs with your buddies or family combines the thrill of the great outdoors with the power of a four wheeling machine. Insurance protects your investment if it's damaged or stolen, and some riding clubs require insurance before they'll allow you to join. Lower your ATV insurance premiums with seven tips. 

1. Buy a utility model. Sporty models or ATVS with bells and whistles look and ride nice, but they may cost more to insure. Utility models are often economical to insure. Likewise, keep in mind that the ATV's mileage, condition and age also affect your premium. 

2. Take a safety course. Most ATV dealers offer safety courses that include a book test and riding instruction. Your insurance company may reward you and anyone who shares your machine for knowing how to navigate your ATV safely in all terrains. 

3. Maintain a clean driving record. Your insurance premium stays low when you operate the ATV safely and only on grounds where you have permission to ride legally.

4. Store your ATV safely. Locking your toy in the garage and installing an anti-theft device on it can reduce your insurance costs.

5. Compare policies. Different insurance companies offer different deductibles, coverage options and rates, so take your time and comparison shop.

6. Use one company for all your insurance needs. Most companies give you a discount when you combine, home, auto and ATV insurance.

7. File claims only when you have to. You pay for insurance so that you can file a claim if you have to, but don't file for every little damage or your premium will rise. 

If you love riding your ATV, make sure it's properly insured. Then, use these seven tips to obtain a lower premium. Call us today for additional information on how we can help you find the affordable ATV insurance coverage you need.

Disability Insurance: Differences Between Short & Long Term Policies

Author TonyScurich , 3/2/2015
Scurich Insurance Services, CA, Insurance ServicesYou know you should probably get disability insurance at some point. After all, you never know when an accident or illness will make it difficult for you to work. With both short and long term policies available, however, the choices can be confusing. Knowing the differences between these polices will help you sort out which one is better for you. The Long and Short of It  Short term disability is insurance that kicks in once you have exhausted the sick days available from your employer. Though policies vary, short term disability typically last about six months. While you might see payments that are nearly the same as your usual salary early on, they are often reduced to a percentage of that amount within a few weeks. Long term disability is designed for those catastrophic events that have the potential to mark the end of your paycheck-earning days. In many cases, long term disability begins when short term policies end. While some plans last only five to ten years, a more viable long term disability insurance policy lasts at least until you are 65 years of age. You Need Both for Complete Coverage  Given the overview outlined above, it is easy to see the place for both types of insurance in your life. Short term disability insurance is the ideal way to ensure coverage if you come down with pneumonia that sends you out of work for two weeks when you have already used up nearly all your sick days. Long term disability insurance is vital if that bout of pneumonia turns out to be a more serious illness that requires extensive care that could result in you being out of work on a permanent basis. Protect your assets and your family by ensuring that you have the necessary insurance coverage should you find yourself unable to work.

Top 3 Insurance New Year Resolutions

Author TonyScurich , 1/9/2015
Comfort ZoneWith the new year comes the tendency to make resolutions that are designed to help a person address what they perceive to be as their own shortcomings. While resolutions such as "exercise more" and "lose weight" are often at the top of the list, these types of resolutions often fall by the wayside all too soon after the first of the year. The following insurance resolutions for the new year are simple to implement and can have long lasting effects. 1. Purchase Life Insurance This is a resolution that should be on everyone's list but it does not always seem to make it to fruition. Make 2015 the year you talk to your insurance agent and find the ideal life insurance plan for your circumstances and your budget. You'll rest easier at night knowing that your loved ones are taken care of and your assets are protected. 2. Take a Fresh Look at Your Homeowners Insurance Did you or a member of your family receive an expensive gift this holiday season? If so, you might want to take a look at the deductibles that you previously chose for your homeowners insurance. While a high deductible often looks attractive because it can make your payments lower, if it is too high it can be difficult to replace items that are covered unless you dip into savings or other monetary reserves. 3. Does it Make Sense to Bundle? If you have insurance with more than one company, you could be missing out on significant savings. Most insurance companies have a bundle plan that allows you to save money if you have more than one policy with them. Much like car insurance policies that give you a multi-car discount, bundling your insurances with one company can often allow you to enjoy savings on your policies.