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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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Beware Of Negligent Supervision!

Author TonyScurich , 9/14/2016
Several courts have found yet another way for someone to sue contractors. This term refers to lawsuits against you for alleged failure to exercise proper control over your employers. For example, one of your employees might be accused of injuring others recklessly while driving a truck on company business. A "negligent supervision" suit would claim that you were negligent in hiring this worker because you either failed to discover or ignored the fact that she had a record of reckless driving. You also have an obligation to supervise your staff. Although you can't foresee every incident, a court will look at whether you took reasonable steps to identify and guard against potential wrongdoing by your employees: everything from unsafe behavior on the job site to sexual harassment. It's not only about whether a worker actually committed an offence - it's about what you did to prevent it. To head off liability for negligent supervision, we'd recommend that you:
  • Set and enforce clear guidelines for interviewing and hiring employees.
  • Provide training in conflict resolution and communication. Supervisors need to know when to report certain behaviors and which behaviors to look for, such as verbal abuse, failing to cooperate with supervisors or co-workers .and making inappropriate comments.
  • Conduct regular performance evaluations to address specific behavior or job performance changes.
  • Provide multiple avenues to receive allegations of misbehavior, and have unbiased managers investigate complaints so that no conflicts of interest exist. Investigate every incidents promptly and take decisive action.
We stand ready to review your company's exposure to negligent supervision claims - and how your Liability insurance coverage can help protect you. Just give us a call.

Construction Safety: Myth And Reality

Author TonyScurich , 9/9/2016
construction-646465_1920 Unfortunately, a number of erroneous beliefs about worksite safety are widespread in the construction industry. Here are seven common safety myths - and why they don't pass the reality check:
  1. Safety programs ensure worker safety. In practice, this means that binders on a variety of topics (usually regurgitated OSHA standards) end up gathering dust on a back shelf.
  2. Safety is common sense. Taking risk is a very personal matter. Some people skydive, others bungee jump; some race automobiles, others rock climb.
  3. Incentive programs improve safety. Because these programs usually reward not having a recordable incident, they benefit workers been lucky enough to avoid accidents - not to mention a natural tendency not to report injuries.
  4. Progressive punishment ensures safety compliance. The best punishment can do is achieve temporary compliance. Effective policing must be continuous and consistent, with clear consequences.
  5. Firing noncomplying workers solves safety problems. This is like trying to cure a disease by treating its symptom. Instead, find the error that led to unacceptable behavior and change it.
  6. Safety training is a leading safety indicator. The sign-in sheet shows only who attended the meeting. For training to work, managers need to test what individual workers learned - or didn't learn.
  7. Inspections and audits will uncover most workplace hazards. Inspections provide snapshots of workplace conditions at a given time, rather than an accurate picture of ongoing operations or activities.
Every construction firm needs to evaluate its safety systems, practices, and procedures critically, challenge the status quo where needed - and take decisive action. Our agency's professionals would be happy to offer their advice at any time, free of charge.

Saying 'I DO' To Wedding Insurance

Author TonyScurich , 7/22/2016
3

As the average cost of getting hitched keeps rising (to $27,000 in 2012), more and more couples are using Wedding Insurance to protect their investment against mishap - and help ensure peace of mind on this special day.

Wedding policies will reimburse you for losses due to:
  • Weather: The cost of rescheduling if the event has to be postponed because of rain or other bad weather.
  • Illness or injury to the bridal party. The expenses of postponing the wedding if essential people (such as the maid of honor or best man) can't be there.
  • A missing celebrant. Some of the costs if your minister, justice of the peace, rabbi, or other celebrant doesn't show up.
  • Missing vendors. Some, or all, of the expense (including rescheduling) if the caterer, florist, photographer, or other key vendor is missing in action.
  • Damage to the venue. Your losses if fire, electrical or mechanical outage, or going out of business makes the wedding or reception site unusable, forcing you to reschedule. (This coverage might not apply if the sites already carry insurance).
You can also buy coverage "riders" for a variety of other risks, ranging from a military service call-up to the bride or groom and damage to a wedding gown or tuxedo, to stolen or damaged gifts, and cancellation of your honeymoon due to illness, bad weather, or other mishap. If you're holding the ceremony in your home, you might also want Liability insurance in case a guest gets hurt or injures someone. Premiums can range from $100 to $1,000 (if you buy Liability coverage and host an open bar). We'd be happy to tailor a Wedding policy to meet your needs, and budget. Just give us a call.

Do Additional Insureds Belong On Your Umbrella?

Author TonyScurich , 3/2/2016
3 It's a regular occurrence for contractors: You receive a request from another party (an owner, general contractor, lien holder, other contractor, or a government entity) to add them as an additional insured on your insurance policies. Whether that's a good idea is up to you -- but the party often makes it clear that if you want to do business you'll need to add them as an additional insured. However, it's not necessarily a good idea to add this entity to all of your policies. For example, your Excess Liability coverages -- such as those under Umbrella insurance -- were probably bought specifically for your own protection in case of catastrophic loss. If an additional insured, who might be well within their rights, is added to your policies with protection up to your basic coverage limits, will they also be allowed to "piggyback" up to the full amount of your coverage? We'd advise you not to set up any procedure that makes all of your coverage limits available automatically to any additional insured. Add them to the specific coverages and amounts that they request, but go no further. If in doubt, consult with your attorney about contractual requirements and possible gaps between what the entity is requesting in being added to your coverage and what your coverage will actually provide. Once you're certain what you're being asked to do, and have decided that it's in your best interest to meet this request, there's one more action to take before adding the additional party to your coverages. Contact us to determine if your current coverage already meets the needed conditions, or what modifications (if any) might be required to do so. Remember: Although we want to help you meet your needs, our focus always remains on protecting you, even if against unreasonable demands from other entities. We're here to help.

What to Do if Your Identity is Stolen

Author TonyScurich , 7/10/2015

virtual-identityThe fastest-growing white-collar crime in the United States is identity fraud. ID fraud is when someone commits a crime or fraud in your name using your stolen personal information. No one, regardless of background or financial status, is immune to identity fraud and various cyber threats continue to grow with no sign of slowing down.

If your identity is stolen, it can affect your finances, credit history and reputation.

Take Action Immediately:

  • Flag your credit reports. Contact the fraud department of one of the three major credit reporting agencies (Experian, Equifax and TransUnion). Tell them you are an identity theft victim. Ask them to place a "fraud" alert in your file and confirm that they will contact the other two companies.
  • Get copies. Ask for a copy of the credit report. They are required to give you a free copy of your report if it is inaccurate because of fraud.
  • Consider requesting a credit freeze. You might want to place a credit freeze on your credit file, which means that potential creditors cannot get your credit report. This makes it less likely that a potential identity thief can open accounts in your name. First, contact your state’s Attorney General’s office, then contact each credit reporting company.
  • Contact creditors. Contact your creditors about any accounts that have been changed or opened fraudulently. Ask to speak with someone in the security or fraud department.
  • File a report. File a report with your local police. Get a copy of the police report, so you have proof of the crime.
  • Keep Records. Keep records of your conversations and all correspondence.
  • Get more information. For more information regarding identity theft, visit the following websites:Federal Trade Commission (FTC) (You can also call: 1-877-IDTHEFT (438-4338)) FTC Identity Theft Online Complaint Form www.fraud.org (You can also call: 1-800-876-7060)

You can also call the FTC’s Identity Theft Hotline at 1-877-IDTHEFT (438-4338).


Five Tips for Taking a Life Insurance Health Exam

Author TonyScurich , 1/30/2015
appleSome type of health exam is a requirement before you can take out many life insurance policies. The result of this exam can have a significant impact on your rates, and even on whether you qualify for a particular policy at all. Following these simple tips can help ensure that your health exam goes smoothly.

# 1: Eat a Healthy Diet

As soon as you know you are going to be taking the exam, start doing your best to eat a healthy diet. Many people feel that if their diet has been less than perfect in the past, there is no point in improving it before a health exam -- but nothing could be further from the truth! In particular, try to minimize or eliminate your intake of fried, salty or sugary foods, as well as sodas and alcoholic beverages. Instead, eat a balanced, nutritious diet containing plenty of fresh fruits and vegetables, complex carbs and lean proteins.

# 2: Stop Smoking

Never smoking at all, or at least stopping permanently, is of course the best course of action for your long-term health. However, if you do smoke, you can improve your exam results simply by not smoking for at least 24 hours prior to the exam; this will help improve your blood work, blood pressure and heart rate.

# 3: Cut Back on Physical Exertion

Normally, of course, physical exercise is very good for your health. However, for two to three days before the exam, avoid hard physical work and exercise. Such exertion can elevate the protein in your urine and be erroneously flagged as a kidney issue.

# 4: Rest

Go to bed early the night before your exam. Fatigue can negatively impact certain components in your blood, giving the appearance of a chronic health problem you do not actually have.

# 5: Avoid Caffeinated Beverages and Stimulants

Finally, avoid caffeine as much as possible during the days leading up to the exam. Caffeine can elevate your heart rate and blood pressure, negatively impacting the results of your exam.

Contractor Insurance Explained

Author TonyScurich , 2/3/2014
Scurich Insurance Services, CA, contractor insuranceAn ever increasing number of people in the labor force are contractors. As the owner of a business you normally use contractors to ensure that they have contractor insurance. An ever increasing number of people in the labor force are contractors. As the owner of a business you normally use contractors to ensure that they have contractor insurance. This type of insurance is useful in the event of injury or damage caused by the contractors on any of your property. As a contractor you will need contractor insurance to protect yourself from any claims made against you directly and/or any legal expenses incurred even if you are wrongfully sued by the company, organization or party’s involved. There are several people who are possible candidates for contractor insurance. This is an option for anybody who is a limited company contractor. Most companies are more likely to make use of you if you have a contractor insurance policy in place to protect them from any arising issues. Contractor insurance cover is mandatory if you want to contract for a governmental institution of a state, federal or even on a city level. Without contractor insurance you do not have a chance of being contracted to supply services to any governmental institution. You essentially have a responsibility over the work you provide to your customer and contractor insurance protects you and the other party from any issues that may result from it. A contractor insurance policy generally has three parts; it covers you, the person or company you are contracted to and member of the public who may be affected directly by your job as a limited company contractor. In each of these groups, it is necessary to have additional full protection available from your provider against accidental destruction or damage caused to property and equipment and full liability protection covering legal, medical and compensation costs. Contractor insurance does not cover negligent actions or deliberate errors. They will also not provide prolonged cover if you show a pattern of consistent and negligent behavior. Other than these two main exclusions, contractor insurance is a very complete cover since it gives you and the company a safety net that would otherwise not be available. There are more insurance products and services that the policy holder could take out in this range. Contractor insurance is mostly designed to include professional indemnity and public liability features. It also covers property and equipment to a large extent. If you need additional coverage in these areas as you realize the volume of business you will produce in a year it will be prudent for you to apply for a separate cover to have protection to a larger extent. A limited company contractor’s work may be used several years after he has completed his work. Therefore, contractor insurance may only be active many years after a contract has been completed. Contractor insurance will ensure that you are still covered for liability long after you retire as you will need to be covered in the event of any consequent legal action. This may take the form of an extension of the liability clause to your contractors insurance or a run-off insurance policy. Content provided by Transformer Marketing.

12 Reasons to Embrace the Chaos in 2014

Author TonyScurich , 1/22/2014
Scurich Insurance Services, CA, Chaos"What's the point?" I sometimes ask myself. It's such an uncertain world out there. I mean, "It all looks so bleak. Why should I even bother to try to move forward in life or my career? Why should I try to improve my circumstances when I don't think it will lead to anywhere? Why should I try anything in this crazy, uncertain, unpredictable and difficult environment?" Over the last few years as I have worked through trying to deal with uncertainty of life, the unpredictability of a career, chaos at work and the complex nature of things, I have come to some realizations that have helped me to keep going and move forward in life. For me, embrace the chaos means: to accept the uncertainty of life and move forward anyway! Take action despite not knowing how things will turn out. To stop over-thinking, stop over-analyzing, stop trying to predict. To go ahead, take action, move forward in life, move forward in a new career, take new action, start a new business, get into a new relationship and stop over thinking whether or not it will work. But self-doubt arises in all of us. No matter how strong we might be, the question of WHY always comes up: Why should I embrace the chaos? Here are my own reasons to get unstuck and move forward in life... 12 Reasons to Embrace the Chaos Next Year! 1. Accepting the chaos of life is better than trying to fight it Life has always been in unpredictable and full of uncertainty. We just didn't realize it. Accept it. Don't fight it. Accepting the reality of our world today is the most important way to learn to live in it. Let go of your ego. Let go of trying to force order and perfection to an imperfect life full of ups and downs and uncertainty. Often, stress, anxiety and tension occurs when you fight hard to change something you cannot change. You can't control the chaos. You can only change you... your thoughts and your actions. And that's really good news... to focus on what you CAN control... you! 2. You cannot predict the future Uncertainty about how things will turn out tomorrow holds a lot of us back from pursuing our life ambitions, relationships or business ideas. We waste so much time trying to make sure the path we take is the "right one," when the reality is that there is no right path... just the one you're on! No one knows what's going to happen tomorrow. That's a good thing in some respects because the walls around us are malleable and move constantly. You and I have just as good a shot as anyone at success and happiness. Stop trying to figure out the future and CREATE moments by working towards your purpose in the here and now. This moment right now is the only one you can be certain of. 3. You will feel better doing than not doing Taking a step forward in any direction makes you feel like you have some level of control of your life. When you take action, you stop over thinking and get less anxious because in some sense, you are creating your own future in the here and now. You get a rush when you're consumed with activity geared towards pursuing a goal, irrespective of how tough the goal. You feel like you're in charge again because you are... of your thoughts and your actions. The positive energy generated by movement of hands and body in forward motion towards the pursuit of a higher purpose, a life-long trip, a business goal or to raise a child, is often what keeps us energetic, youthful and feel alive. 4. One thing always leads to another Like a stone thrown into a pond of water, somehow one tiny little step forward puts in motion other pieces, rippling away, leading you to places, people and opportunities that you can never have imagined. You didn't get to where you are right now by your perfectly laid out plans years ago. So many of us arrived where we are through the zig zag motion of life, through stepping stones that were laid out all over the place. Some of the greatest things in your life right now, came to you by chance, randomness and luck. 5. You will become a better person... faster, stronger, leaner and sharper The mind is a muscle and like any muscle sometimes the mind needs resistance and tension to grow and develop as much as it needs nourishment and positive energy. Use the chaos of life to learn and develop. Adversity forces you to dig down deep inside to make you rediscover your inner strength or to fire synapsis in your brain that create new learnings. Moving forward in uncertainty forces the potential energy that is already within you to come out. 6. You are resilient and know how to adapt You don't know what real strength lies within unless you're put in a situation that forces you to bring it out. You have an innate ability deep within to adapt and improvise to our new environment. You can handle it because your DNA has gone through a history of difficult times and has progressed ever since. As human beings, we have this awesome ability to persevere in really difficult times with nothing more than what you've been given: an able body and a strong mind. The resiliency inside all of is dormant but kicks in when you move forward in life. 7. You are meant for bigger things Within each of us lies a potential for great things. Think about the possibility of becoming who you really want to become... a better parent, a more successful business person who creates jobs for many, a better spouse or partner or simply contribute more to society. This great person will never be realized unless you take steps to move forward in life and do something different... to accept the chaos and move forward anyway. All of us are meant to create positive impact to all those around us, in our own unique way. Read the entire article here. Content provided by http://www.huffingtonpost.com/bob-miglani/embrace-chaos_b_4433876.html