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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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Avoid Sticker Shock For Your Teenage Driver

Author TonyScurich , 10/3/2016
Adding a teenager to your auto policy can raise your rate by more than 40%. The good news: you and your teen can reduce these hikes significantly in a variety of ways:
  1. Get good grades. Most insurance companies offer high school or college students with a B average or better a discount of up to 10%.
  2. Live away from home. Students at college or living at least 100 miles from their parents without a car can usually get a 5%-10% discount.
  3. Take an additional driving class. Although most insurance companies don’t give a discount for mandatory drivers’ed instruction, some companies will reduce premiums by 5% for teens who go to follow-up classes.
  4. Sign a parent-teen driving contract. Your insurer might offer up to a 5% discount if your teen agrees to follow such rules as not driving at night or with friends in the car.
  5. Raise your deductible. However, bear in mind that you’ll have to pay this deductible if your teen driver damages the car. If you repair every ding, you could spend a lot more than you'll save on premiums with a higher deductible.
  6. Reduce or drop some coverage. If you have an older car, you might not need Comprehensive or Collision insurance. Be wary of lowering Liability limits. In most cases, it makes sense to keep Personal Injury Protection (PIP) coverage, which pays medical expenses of anyone injured in an auto accident.
  7. Choose a safe vehicle. The higher the safety rating of your car, the lower your premiums – and the safer your teenager will be behind the wheel.
We’d be happy to help you minimize the sticker shock of adding a teen driver. Just give us a call.

Top 5 Causes of Workplace Injuries

Author TonyScurich , 2/5/2015
Although the incidents of workplace injuries have continued to drop for most of the past 11 years, the Bureau of Labor Statistics reported than over three million people were injured on the job in 2013. These figures encompassed people employed by private employers. According to figures obtained in 2012, five of the most common reasons for workplace injuries accounted for more than 65 percent of the costs.
  • With 25 percent of the 59.58 billion dollars that was spent on workplace injuries in 2012, overexertion was the number one cause. These types of injuries were most often the result of holding, carrying, throwing, pushing, lifting and pulling.
  • Falls accounted for 9.19 billion dollars -- or more than 15 percent -- of the costs of workplace injuries. This category includes only those falls that occurred on one level as opposed to falls from a different height.
  • Being struck by equipment of some sort or an object accounted for 8.9 percent of the cost burden worth more than $5 billion in costs.
  • The fourth most prevalent cause of workplace injuries was due to falls from a height. With this category encompassing 8.2 percent of the cases reported, the monetary cost was $5.12 billion.
  • Overexertion injuries that were not in the first category round out the top five most common causes of workplace injuries. Some examples of the injuries that could fall under this classification include those caused by stepping, crawling, bending, kneeling, twisting, reaching, walking, reaching, standing or sitting. They accounted for 7.2 percent of the total injuries with a cost of $4.27 billion.
Another 18.4 percent of the costs associated with workplace injuries fell into five other categories. These include injuries caused by road vehicles, slips and trips without falling, being compressed between or by equipment or objects and repetitive movements.

Monarch butterfly population dwindles

Author TonyScurich , 2/5/2014
Scurich Insurance Services, CA, Monarch butterflyPACIFIC GROVE, Calif. —Studies show the number of monarch butterflies making their annual migration is dwindling. So much so, experts are worried they are in danger of disappearing altogether. Although there has been a drop in the number of monarchs migrating through Pacific Grove over the years, die hard butterfly fans are hopeful the monarchs will make a comeback. The Monarch Butterfly Sanctuary in Pacific Grove acts as a temporary home to hundreds of Monarchs, all migrating from the U.S. to Canada. Experts say their numbers have dropped severely. The number of butterflies wintering in Mexico is the lowest level ever recorded, too, but butterfly fans in Pacific Grove remain optimistic that they will continue to show up. Migration is an inherited trait and although no butterflies live to make the full round trip, it's unclear how they remember the route back to the same patch of forest each year. Scientists theorize they may rely on magnetic fields, the position of the sun, polarization of the sun's rays, scenting or pure genetic instinct. Content provided by:  http://www.ksbw.com/news/central-california/monterey/monarch-butterfly-population-dwindles/-/5738820/24238720/-/rc821rz/-/index.html#ixzz2sHWUeyo6