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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.

Triangulating Fraud

Author TonyScurich , 9/21/2016

Most people who commit fraud at work are not career criminals - and are often trusted staff with no criminal history. According to criminologist Donald Cressey, there are three factors (the "Fraud Triangle") that lead an ordinary person to fraud: opportunity, pressure, and rationalization.

Take this example: a bartender who splashes a little more scotch into his friends' drinks when they come into the bar is succumbing to opportunity; his peers' expectations that he'll do this create pressure; while telling himself that "everybody does this - and we're too stingy on our pours, anyway" provides a rationalization.

How can you use this three-legged tool to detect and deter fraud?

You can't do much with about rationalizing fraudulent misbehavior because everyone does it without announcing their decision in advance.

You can't learn whether employees might be under financial pressure to commit fraud without investigating their personal finances - which is impractical and illegal. However, you might be able to minimize work-based pressures they face (for example, forbidding managers from ordering them to hit their goals at all costs).

Opportunity provides the most effective leg in the triangle to curb fraud by making it more difficult. Here's how:

  1. Segregate duties so that no one has sole control over accounting, reconciling, custody of assets, and approval of transactions.
  2. Make sure that transactions which are unusual or involve large amounts have strong managerial oversight and follow-up.

In other words, develop effective control systems so that any larcenous employee will need to be clever enough to avoid several pair of eyes while running a gauntlet of people who reconcile accounts and monitor budget.

If fraud does strike despite these precautions, make sure that you have the right insurance to protect you from loss. For more information, just give us a call.

NIOSH Offers Tips On Preventing Work-Related Highway Crashes

Author TonyScurich , 8/26/2016

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.

11 Ways To Help Your WorkersS Manage Stress

Author TonyScurich , 5/30/2016
4 You can't eliminate the stress that your employees bring to work - but you can offer them these guidelines to help manage workplace stressors on their own:
  1. Prioritize, streamline, delegate, and discard. When facing a task, ask if it's really necessary to do immediately.
  2. Break things up. Take two - to three - minute breaks every hour and commit to doing at least one fun thing every day.
  3. Make time. Build time into your schedule for creative expression, healthy eating, moderate daily exercise, hanging out with friends, and enjoying nature.
  4. Be on time. Build in cushion time between appointments to allow for traffic and the unexpected.
  5. Send negativity flying. If a co-worker is on the warpath, visualize an airplane with an ad banner over the person's head, with each negative word floating up into the banner and out of view.
  6. Relax and watch what happens. Do mini-meditations or mindful breathing while you're between tasks or in line at the cafeteria.
  7. Get essential nutrients. Go beyond vitamins and begin to think about daylight and laughter as integral parts of your daily life.
  8. Consider what you're consuming. Sugar, caffeine, and alcohol can increase stress levels.
  9. Watch your words. Don't let negative internal chatter and self-recrimination distract and demoralize you.
  10. Be kindDo something nice for a different co-worker every day until it becomes second nature to reduce stress for others.
  11. Sleep on it. Sleep deprivation a major culprit in stress is Try to get restful, restorative slumber every night, and watch your stress level decline.

Use Social Media As A Risk Management Tool

Author TonyScurich , 5/11/2016

Given the dramatic impact of social media on the speed and delivery of news and information, it makes sense to make this fast-growing technology part of your risk management program.

More and more reputational crises — such as the recent stranding of the Carnival Triumph cruise ship — are born on social networking platforms and can grow exponentially if mishandled. Consider how Apple Inc. responded to consumer displeasure with the iPhone 4 shortly after its 2010 introduction. Negative comments about the product spread quickly over social media channels, but were largely ignored by Apple executives until mainstream news outlets began reporting on its flaws.

Failing to actively engage social media users in conversations about crisis or business practice of your company means losing an invaluable opportunity to protect your reputation. Otherwise, you risk having other people tell your story.

Social media participation gives you a way to enhance this reputation through regular interaction with customers, business partners and the public. Using this tool to develop relationships and help people, rather than just sell products and services, can create some valuable allies.

Encouraging your employees to participate in social media offers a great way to use them as advocates for your company. A 2012 poll of more than 1,000 registered voters by Hill+Knowlton Strategies found that a corporation's employees are the second-most trusted source of information about its business practices, second only to friends and family members.


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

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.  

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:    

Summer Party Liability Concerns

Author TonyScurich , 6/2/2014
Scurich Insurance Services, CA, Homeowners insuranceSummer is right around the corner, and with it comes a parade of graduations, barbecues, holidays and other gatherings with family and friends. Although summer parties are a source of excitement for most people, these get-togethers can also raise the risk of expensive liability claims.  Whether you are throwing a birthday party or hosting a Father's Day picnic at your home, you never know when an accident could occur. As more people enter your home, the risk of someone sustaining an injury on your property increases dramatically. For example, if you are operating a grill during a summer barbecue, your guests could be burnt accidentally. Likewise, if you own a pool, guests could injure themselves diving in, or they could slip and fall on the wet ground next to the pool. If someone sustains an injury on your property, they may file a lawsuit against you in order to recover medical expenses and/or lost wages related to the injury. If you don't have enough homeowners insurance coverage to pay the damages awarded to the individual in court, you will be forced to come up with the money on your own, which can lead to serious financial problems. In some cases, a large liability settlement could even require you to file bankruptcy or sell your home and other valuable assets in order to pay the amount you owe. If you are planning to host any parties this summer, review your homeowners insurance policy before you send out the invitations to ensure that you have the proper amount of liability coverage. If you discover that your coverage is lacking, consider investing in additional coverage to protect yourself against loss. If you aren't sure whether your policy provides sufficient coverage, consult our office for guidance.

Police Officer Raises $100,000 After Tragedy, Proves 'Humankind Really Does Care'

Author TonyScurich , 5/28/2014
Scurich Insurance Services, CA, Good deedsSAN JOSE, Calif. (AP) — After 17 years on the force, San Jose Police officer Huan Ngyuen had learned not to get emotionally involved in his work. But then one got through. On May 6, a road rage slaying in his Little Saigon neighborhood, on the streets where he grew up and now patrols, took the life of a Vietnamese immigrant like himself. The victim was a 37-year-old bus driver who left behind a widow and two young children, one with severe autism. "We try not to get emotional, but sometimes these things really affect me," Nguyen said. "It kind of hit the soft core of my body." Ngyuen and his colleagues sent texts to friends and family asking if they could help the widow. Then, at his friends' urging, he launched a website, hoping to raise a few thousand dollars. Word spread quickly: Now, less than three weeks since the murder, nearly $100,000 has poured in from the local Vietnamese community and far beyond, including Houston, Boston, New York, even London. "I'm very thankful, and I'm very surprised," said widow Dieu Huynh, a limited English speaker whose husband's cremated remains were buried last weekend. Sinking into her couch with her 4- and 7-year-old sons, she fought back tears, telling Ngyuen in Vietnamese how her youngest son, Steven, keeps asking her to call his father. Her older son, Henry, can't talk, but hugs and kisses her. Unable to function independently, Henry dashes out the door into the street if left unattended, has seizures, and will need a lifetime of constant care. "When I met this family, I could see they were going to need help," said Ngyuen, himself a father of two. "It really, really got to me." National Center for Victims of Crime Executive Director Mai Fernandez said online, crowd-sourced fundraisers are increasingly common for crime victims, but usually it's friends or family who launch them. "I've never heard of a police officer stepping in like this. This sounds like a really special person," she said. "When there's a tragedy out there, there are a lot of heroes who step up. It's amazing to see the outpouring of generosity of the public. Humankind really does care about each other." Ngyuen, who sought approval before reaching out publicly and has the full support of San Jose Police Chief Larry Esquivel, said he's shy about being in the spotlight. "But this isn't about me at all," he said. "My job is to help others. No amount of money can replace their dad, but this can help those boys as they grow up." Ngyuen also is keeping an eye out on his patrols for the suspect who shot Huynh's husband, Phuoc Lam. That morning, with a rare few hours free, Lam and Huynh were doing errands for her upcoming birthday party. Suddenly Lam slammed on his brakes to avoid hitting two men in a Volkswagen Jetta who pulled out of a mobile home park driveway in front of him, police said. Lam climbed out of the driver's side to survey the scene. Words were exchanged, and as Huynh was stepping out to see what was going on, her husband was shot. Police said she told them she saw Lam fall. Huynh doesn't speak of it in front of her children. But at that moment her life crumbled. Read the entire story here. Content provided by  

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