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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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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


Safety Training: Reinforcement Pays

Author TonyScurich , 4/27/2015

If workers don't use what they've learned in safety training sessions, they've wasted their time – and their employer's money. In many cases, the reason is a lack of reinforcement when they get back on the job. The first step in avoiding this problem is to meet with participants beforehand to agree on mutual expectations and objectives for the session. Depending on the type of training, this discussion can take place up to four weeks before the program begins. Don't wait until the day before the meeting. After the session, simply asking trainees how they liked the program is not enough – even though that's where reinforcement often stops. Instead, meet with workers individually and as a group for follow-up to help determine whether the training met everyone's expectations, the work environment is supportive of the concept(s) taught, and the participants know how to implement what they learned on the job. To reinforce the effectiveness of training, job safety experts recommend these guidelines:
  1. Be sure that the trainer(s) have a solid understanding of the participants' jobs and make the content relevant and practical.
  2. Link the training to your company's goals and objectives so that workers understand the importance and the relevance of the information.
  3. Minimize interference from the job during the session so that trainees can give their full attention to the content.
  4. Allow for reflection and application throughout the training, giving participants a chance to think about how to use this knowledge and skills back on the job.
  5. Provide opportunities for practice and feedback to reinforce the training.
We're always ready to advise you on implementing an effective follow-up program on your job safety programs.

Have you gone on a helicopter ride?

Author TonyScurich , 9/29/2014
OceanAre you looking for something to do and a way to break out of your comfort zone?  Look no further than Specialized Aviation. Specialized Aviation offers a multitude of tours that you can choose from including wine tasting tours, coastal tours, and air charters.  Take a look: Coastal Tours Leaving from Watsonville Airport this charter offers four tours to choose from.  Head up the Santa Cruz coast line.  Want to venture further out?  You can also choose from the Big Sur Coast, Carmel Coast, or an airplane charter.  Pricing ranges from $99/per person to $299/per person and runs from 20-60 minutes.   You will enjoy breathtaking views that you normally would not be able to see anywhere else. Wine Tasting Tours This tour is like no other.  Head up in the helicopter and enjoy.  The wineries that we tour include Wrath Winery, Talbott Winery, Heller estate tour, or the Scheid Vineyard.  Pricing ranges from $350/per person-$475/per person. Air charters can range from $700-$995/per hour and can host up to 4 passengers. The next time you are looking for something fun to do and you are ready to do something unexpected, contact Specialized Aviation. Specialized Aviation also offers training on helicopters and airplanes.  Go on and live life! Content provided by Transformer Marketing. Source:  http://www.specializedheli.com/

Time to break out of your comfort zone

Author TonyScurich , 9/29/2014
Comfort ZoneComfort zones are there to tell us that we need to start to break out of our quicksand of comfortability.  In your comfort zone there is no growth, no discovery, your journey gets stagnant, and routine becomes your best friend. Now don’t get me wrong, stability is necessary, but boredom is not.  It’s time to get a little uncomfortable.  Not sure how?  Check out these tips. Go out and socialize, no matter how you feel.  It’s Friday night and you’ve been invited out with your friends but after a long week all you really want to do is curl up on the sofa with a good movie.  Stop right there.  This is where you fight your initial urge to lay up and force yourself to make the move to go out. Talk to someone you don’t know.  You’re riding the bus or standing in line at the store.  Stop and say hi and make small talk.  You could be the sun that brightens their day and vice versa. You know that thing that you’ve been avoiding because you’re terrified?  Yeah?  Do that.  The point is, don’t let fear get the best of you.  You go out and get the best of fear. Try new things.  When you keep doing the same things over and over again, life can get pretty boring.  It’s time to break the habit of your tuna sandwich for lunch and head out to that new restaurant. Break out of your funky, old stagnant life and find the excitement that is ready to meet you.  Your future self will thank your present self.  I guarantee it. Content provided by Transformer Marketing. Source:  http://www.mindbodygreen.com/0-15436/5-ways-to-live-a-bolder-happier-life.html    

Time to winterize your pipes

Author TonyScurich , 9/29/2014
PipesYour homeowner’s insurance policy probably won’t cover any damage from your pipes if investigations prove negligence or poor maintenance.   We have a few tips for you to use to winterize your pipes this fall.
  1. For all outdoor watering hoses and sprinklers, disconnect them and drain out the water.  Store them in a dry place.
  2. Make sure your shutoff valve is working properly.
  3. Check for broken windows or cracks where your pipes are located.  If cracks and/or broken windows are found, seal them up to prevent your pipes from freezing up.
  4. Make sure heat can evenly circulate throughout the house, especially around the pipes and water meters.
  5. If you have interior pipes, wrap them up with insulation.
  6. Don’t close your cabinet door.  Leave the cabinet doors open that are home to pipes so the heat can get to them.
  7. You may want to consider allowing your water run a little slower this winter.  It may cost a little more on your water bill, but when you compare the cost of repair your pipes, you’ll find that it’s worth it.
This winter, make sure that your pipes are well maintained and taken care of.  For more information about your homeowners insurance policy, feel free to contact Scurich Insurance Services. Content provided by Transformer Marketing. Source:  http://www.mainewater.com/Customers//media/Files/Bill%20Inserts%20and%20Fact%20Sheets/Winterizing%20Tips.pdf

It’s apple picking season!

Author TonyScurich , 9/29/2014
 ApplesIt’s the beginning of fall and apple picking season is in full effect.  And the place to be is Clearview Orchards. Organic Fuji and Gala apples are specialties of Clearview Orchards, although they also offer a number of other apple varieties. Bring your family and your picnic basket.  Once you are done enjoying a picnic on our lawn, feel free to pick your own apples.  Other delicious items you can pick up at Clearview:
  • Honey.
  • Pumpkins (we have red, white, or pink)
  • Dried lavender
  • Apple cider
  • Apple pops
Want a getaway?  We can do that too.  We offer a luxury yurt that boasts such amenities such as a queen bed, a full kitchen, sofa, and full bath with shower.  The yurt is centrally located amongst lavender fields, flower gardens, avocado, and Fuji trees.  An array of wildlife including deer, coyotes, raccoons, and hawks can be viewed from the yurt.  This would be a perfect getaway for you and your partner looking for a romantic country getaway. What:  Clearview Orchards for picnicking and apple picking Where:  646 Trabing Road in Watsonville When:  Saturday and Sundays from 10:00 am-5:00 pm through Sunday, October 26th. Cost:  $2 a pound for apples Who:  Everyone! Content provided by Transformer Marketing. Sources:  https://www.airbnb.com/rooms/3111208?s=QpQT and http://www.clearvieworchards.com/index.html

Tips on picking vegetables before they spoil

Author TonyScurich , 9/29/2014
VeggiesIt happens all the time.  You go to the grocery store to load up on vegetables only to find when you cut into them, that they are rotten.   Do you wanna know how to avoid that from happening again?  Follow these simple tips when buying vegetables. Asparagus is best purchased in the spring.  The tips should be closed and compact.  The stems should go be green. Beets are one of the vegetables that you can get all year around.  Good beets would be rich in red color and be firm and round. Brussel Sprouts are best between October and December, but you can still find good ones 10 months out of the year.  Good ones won’t have any bruising or blemishing, be firm, and rich in green color. Carrots are available all year long.  A firm carrot will be smooth and well formed.  The tops should be green in color. Celery is available all year long.  A glossy surface and green leaflets are tell-tale signs of healthy celery. Corn is available all year long with the best time for corn is May-September.  Green husks and plump kernels are the best way to tell if your corn is going to be good. There are no bad times to buy lettuce, mushrooms, or onions.  But in order to get the cream of the crop you have to look out for healthy and vibrant leaves on lettuce, Caps should be white or brown consistently throughout the mushroom, and onions should be firm with dry necks. Next time you are at the grocery store, you’ll know what to look for when purchasing your favorite vegetables. Content provided by Transformer Marketing. Source:  http://www.mindbodygreen.com/0-15388/how-to-pick-out-perfect-vegetables-infographic.html?utm_campaign=recommendation&utm_medium=popular&utm_source=feature

Let’s talk about chimney fires

Author TonyScurich , 9/29/2014
FireLet’s talk about chimney fires We’ve been discussing home improvement tips before the winter season come.  We have discussed the importance of maintaining your home, cleaning out your gutter, and a general list of other to-do’s this fall.  Now we are going to discuss about the importance of taking care of your chimney. Why do I need my chimney inspected? Creosote is what gets left behind after burning wood, and it’s highly flammable.  Pine wood is notorious for leaving a lot of creosote behind.  If your chimney has too much creosote (or under the right conditions) you could find yourself in the middle of a chimney fire. How often should I get my chimney inspected? It’s a good idea to get your chimney inspected annually.  Most chimney sweeps will not only check for built up creosote, but will also check to make sure that everything is working properly.  It’s not a bad idea to get your chimney cleaned out each year.  It’s a good preventive measure to save you and your family. By calling a chimney sweep and getting your wood stove, pellet stove, or fireplace inspected, you are maintaining your home and ensuring the safety of your family.  Plus, you’re also meeting the maintenance requirements for your homeowner’s insurance policy. For more information about your homeowner’s insurance policy, contact the friendly agents at Scurich Insurance Services. Content provided by Transformer Marketing.

Tips to clean out your gutter

Author TonyScurich , 9/23/2014
Now that you know what damage not cleaning your gutter can do to your home, we wanted to share some tips with you on cleaning that gutter out.
  1. Gutter 2Keep that ladder out and clean out all the debris that has been left in the gutter.  One way to do that is to use a pressure washer.  Keep that debris though, it could be used for mulch.
  2. Check all your spikes and make sure that the spikes are properly placed throughout the gutter.  You may need to consider getting some new ones, if warranted.
  3. Use bead silicon sealing to close up any leaks your gutter may have.  This sealant will be proven effective against rain, snow, and ice.
  4.  Inspect all the rivets that need to go into your gutter also.  It may be time to replace them.  Any local hardware store will have the rivets and a rivet gun for you to purchase.
  5. Before using the pressure washer, make sure your gutter is securely fastened with all the new rivets and spikes.
  6. If your gutters are rusted out, you may want to consider replacing them with aluminum or vinyl gutters.
Now that your gutters are all taken care of, let’s move onto the next in our home improvement series, chimney repair. Scurich Insurance Services can help you with all of your homeowners’ insurance needs.  Give them a call today. Content provided by Transformer Marketing. Source: http://www.diynetwork.com/remodeling/tips-for-cleaning-and-repairing-gutters/index.html

Gutter problems

Author TonyScurich , 9/23/2014
In an earlier article, we discussed tips to get your home ready for the fall season.  These tips are important, so there could be no potential denial of coverage should you need to file a claim. In this article, we want you to know what happens when you don’t clean out your gutter and the potential damage it could cause.
  • GutterLeaking gutters.  On the extreme side leaky gutters can also cause leaky roofs, mold, and it can rot away at the surroundings.
  • Leaky roofs.  If your gutter is filled with debris, any rain, snow, or ice, won’t be able to go anywhere, causing a leaky (and expensive repair) roof.
  • Basement leaks.  Gutters usually end up at the foundation of the house.  If there is any damage to the run off, then the water can wind up in your basement.
  • Rotted Wood.  Some houses and/or foundations are made of wood.  If the gutter is not properly taken care of, the build-up will cause wood to rot.
  • Cracks in foundation.  Same principle as above.  Any debris left can create cracks in the foundation.
This fall, don’t let your gutter get the best of you.  Stay tuned for Scurich’s tips to clean out your gutter. Content provided by Transformer Marketing.