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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.

That's Hot! Home Insurance Technology Trends

Author TonyScurich , 7/20/2016
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If you want to insure a mansion or a priceless art collection, don't be surprised if a certified thermographer shows up at your door, infrared camera in hand.

Thermal imaging cameras are among the latest high-tech tools Homeowners insurers are using to help stem losses before they become catastrophes, saving policyholders from heartbreak and companies millions in damage claims. One major insurance company is using thermal imaging cameras for its high-value homes, letting inspectors "see" hidden hot or cool spots. A hot reading might indicate a fire hazard from an electrical malfunction, while a cool reading could come from a leak. In one case, the camera detected a cool spot in a ceiling due to a leak caused by a faulty 37-cent clip in an upstairs ice maker. If the ceiling had collapsed, it would have caused $125,000 in damage. High-tech devices aren't limited to the high-end market. One insurer offers an online risk-assessment tool that its Homeowners clients can use to find the risks for flooding, wildfire and storm surge, based on their address. This company also provides its clients inexpensive alarms that can detect potential water leaks before they can cause extensive, and expensive, damage. Insurance companies are exploring new technologies. One insurer has patented a data recorder that can be installed in building to analyze potential causes of damage or destruction. Another company has filed a patent for a system that would use spectroscopy to identify chemical changes caused by wildfires and other natural disasters. If such a change were detected and confirmed, the company could speed up the claims process.

Online Employee Education, Anyone?

Author TonyScurich , 5/9/2016

Non-traditional voluntary employee benefits are becoming increasingly popular with workers because they address their real-world lifestyles and financial needs. If you'd like to offer your workers a benefit that can help them invest in their future, advance their careers - and make them more productive - all without costing you a dime, consider online learning programs.

According to a recent nationwide study by Harris Interactive, more than half (53%) of workers and their spouses surveyed would be at least "somewhat likely" to use educational services for themselves or their families through an employee purchase program.

While higher education has become essential to get ahead in today's high-tech world, skyrocketing costs have made it increasingly difficult for workers to afford. More than nine in ten college students have taken out loans to earn their bachelors degree - and the value of student loan debt has topped $1 trillion ($300 billion more than credit card and auto loan debts combined)!

Many employers currently offer some form of tuition assistance for the continuing education of their workers. However, online learning can provide a more affordable and convenient alternative for your employees to fund their education and that of their family members (through tutoring programs and SAT/ACT preparation programs) while learning at their own speed. Workers would pay through convenient pain-free payroll deductions, providing a responsible way to budget, together with the opportunity to graduate free of debt. What's more, the program won't burden your employee benefits budget.

To learn more about how you can offer this creative benefit to your workers, just give us a call.


Ways to help prevent home theft

Author TonyScurich , 6/2/2015
Burglars will not find your home an "easy mark" if they are forced to work in the light, if they have to take a lot of time breaking in, or if they cannot break in without making a lot of noise. Research shows that if it takes more than four or five minutes to break into a home, the burglar will go elsewhere. Most insurance companies provide 2 percent to 15 percent discounts for devices that make a home safer—dead-bolt locks, window grates, bars and smoke/fire/burglar alarms. However, when improving the security of your home, do not exchange security for personal safety. Do not make your home such a fortress that you are unable to escape in case of a fire or other emergency. Check your Home for Weaknesses and Correct Them
  • Take the time to "case" your house or apartment, just as a burglar would. Where is the easiest entry? How can you make it more burglar-resistant?
  • Trim trees and shrubs near doors and windows, and think carefully before installing a high, wooden fence around your back yard. High fences and shrubbery can add to your privacy, but can also be an asset to a burglar. Consider trading a little extra privacy for a bit of added security.
  • Force any would-be burglar to confront a real enemy—light. Exterior lights and motion detectors, mounted out of easy reach, can reduce the darkness a burglar finds comforting.
  • Simple security devices—nails, screws, padlocks, door and window locks, grates, bars and bolts—can increase the amount of time it takes to break into your home.
  • Invest in a burglar alarm. The most effective ones also ring at an outside service.
Are any of your valuables—paintings, a silver collection or a computer—easy to see from outside the house? Rearranging your furnishings might be advisable if it makes your home less inviting to criminals. Simple Security Steps Doors Make sure you have strong doors. Outside doors should be metal or solid hardwood, and at least 1 3/4 inches thick. Frames must be made of equally strong material, and each door must fit its frame securely. Even the most efficient lock, if it is placed in a weak door, will not keep out a determined burglar.A peephole or a wide-angle viewer in the door is safer for identifying visitors than a door chain.Sliding glass doors present a special problem because they are easy to open, but if you have these doors, you can find special locks for them. A broomstick in the door channel can also help, but cannot be depended on.LocksDeadbolt locks are best. They usually are locked with a key from the outside and a thumb turn on the inside. The cylinder (where the key is inserted) should be pick-resistant. Ask your hardware dealer for a reputable brand or buy your locks from a locksmith.WindowsKey locks are available for all types of windows. Double-hung windows can be secured simply by "pinning" the upper and lower frames together with a nail, which can be removed from the inside.For windows at street level or on fire escapes, consider installing metal accordion gates.Home Security HabitsEstablish a routine to make certain that doors and windows are locked and alarm systems are turned on. Avoid giving information to unidentified telephone callers and announcing your personal plans in want ads or public notices (such as giving your address when advertising items for sale). Notify the police if you see suspicious strangers in your area. Do not carry house keys on a key ring bearing your home address or leave house keys with your car in a commercial parking lot or with an attendant. Do not hide your keys in "secret" places outside your home—burglars usually know where to look. Vacation TipsLeave blinds open in their usual position. Have mail and packages picked up, forwarded or held by the post office. Lower the sound of your telephone ringer and answering machine so they cannot be heard outside. Arrange to have your lawn mowed in summer and your walk and driveway shoveled in winter. Stop newspaper deliveries. Ask a friend to pick-up "throw-away" newspapers and circulars. Use automatic timers to turn lights on and off in various parts of the house at appropriate times. Consider connecting a radio to a timer. Tell police and dependable neighbors when you plan to be away and join with your neighbors to keep a close watch on what's happening in your area. Working closely with them is a good way to prevent crime.

Stop being a target for identity theft

Author TonyScurich , 1/13/2014
Scurich Insurance, CA, Identity TheftIdentity theft is moving a lighting speed.  Credit scores get destroyed, bank accounts and investments get heisted, and people's lives are ruined.  And it's so swift, it's practically unnoticeable until you get to the bank. Unfortunately, you may be giving the thieves everything they need to take everything you have.  Here are a few tips that you can start doing today to protect yourself from identity theft.
  • Log off all public computers.  Using the public library's computer is a good tool if you don't have your own computer.  But be cautious while you are using it.  Make sure you log off from all of your programs and applications.  Staying logged in may give the person who uses the computer after you, all the information they need.
  • Change your passwords.  Don't write your passwords out for everyone to see.  Keep your passwords in a safe location that only you know of.  Every so often, change out your passwords.  Hackers can get your information if you have a weak or the same password for everything.
  • You fall for phishing scams.  Phishing scams are commonly seen in your email.  You receive a notification from your bank telling you that you have a problem with your account, and they need you to sign in.  Don't fall for it!  Those are scams trying to get your information.  You may also find emails that say you're entitled to a large sum of money when some unknown relative in a distant country died and left you all of their fortune.  If you don't know this unknown relative, chances are they never existed, along with this large inheritance.
  • Get that paper shredder out.  Don't just throw out papers with your personal information on it.  Shred them.
  • Shop on secured sites.  Make sure when you do your online shopping the address starts with https://.  Make sure your anti-virus program is up to date.
  • Don't give out information over the phone.  If you get an unsolicited call from your bank or credit card company chances are, they are scammers.
  • Hold on to your belongings.  Keep your bag and your phone with you at all times.  It may seem like a quick  trip to the store and, "Why not?  I'll be out in a jiffy."  Problem is, it takes just a jiffy for thieves to break into your car and grab your belongings.  It's not worth it.
  • Don't text confidential information.  Your phone can easily be hacked by hackers.  Keep your confidential information off the phone.
  • Don't store your personal information on your computer.  If your computer gets stolen, so does all of that information.
  • Public WiFi.  Don't use public WiFi to do transactions.  It's never a good idea, your information is out there and ready for others to grab a hold of.
Keep your personal information safe and out of the hackers grasp.

Content provided by Transformer Marketing.